ASBA Fundamental Analysis - ASSOC BANC-CORP - ASB 6 5/8 03/01/33

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to ASBA. ASBA was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of ASBA have multiple concerns. ASBA may be a bit undervalued, certainly considering the very reasonable score on growth

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1. Profitability

1.1 Basic Checks

In the past year ASBA was profitable.
In the past year ASBA had a positive cash flow from operations.
Each year in the past 5 years ASBA has been profitable.
ASBA had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

ASBA's Return On Assets of 0.37% is on the low side compared to the rest of the industry. ASBA is outperformed by 84.07% of its industry peers.
ASBA's Return On Equity of 3.36% is on the low side compared to the rest of the industry. ASBA is outperformed by 83.81% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.37%
ROE	3.36%
ROIC	N/A

ROA(3y)0.52%

ROA(5y)0.67%

ROE(3y)5.09%

ROE(5y)6.1%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ASBA has a worse Profit Margin (14.09%) than 78.33% of its industry peers.
ASBA's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for ASBA so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	14.09%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-30.12%

PM growth 5Y-15.92%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ASBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ASBA has more shares outstanding
The number of shares outstanding for ASBA has been increased compared to 5 years ago.
Compared to 1 year ago, ASBA has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of ASBA is 1.77, which is an excellent value as it means it would take ASBA, only 1.77 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.77, ASBA is in line with its industry, outperforming 52.22% of the companies in the same industry.
A Debt/Equity ratio of 0.20 indicates that ASBA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.20, ASBA is in line with its industry, outperforming 42.56% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.77
Altman-Z	N/A

ROIC/WACCN/A

WACC19.27%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ASBA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.79%, which is quite good.
Measured over the past 5 years, ASBA shows a small growth in Earnings Per Share. The EPS has been growing by 3.84% on average per year.
ASBA shows a small growth in Revenue. In the last year, the Revenue has grown by 5.93%.
Measured over the past years, ASBA shows a decrease in Revenue. The Revenue has been decreasing by -3.13% on average per year.

EPS 1Y (TTM)9.79%

EPS 3Y2.96%

EPS 5Y3.84%

EPS Q2Q%30.36%

Revenue 1Y (TTM)5.93%

Revenue growth 3Y-0.65%

Revenue growth 5Y-3.13%

Sales Q2Q%17.21%

3.2 Future

The Earnings Per Share is expected to grow by 10.26% on average over the next years. This is quite good.
ASBA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.09% yearly.

EPS Next Y13.46%

EPS Next 2Y8.77%

EPS Next 3Y10.26%

EPS Next 5YN/A

Revenue Next Year21.27%

Revenue Next 2Y15.83%

Revenue Next 3Y13.09%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.70, which indicates a very decent valuation of ASBA.
Based on the Price/Earnings ratio, ASBA is valued cheaper than 85.90% of the companies in the same industry.
When comparing the Price/Earnings ratio of ASBA to the average of the S&P500 Index (27.32), we can say ASBA is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.85, the valuation of ASBA can be described as very reasonable.
ASBA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ASBA is cheaper than 79.37% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.30. ASBA is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.7
Fwd PE	8.85

4.2 Price Multiples

ASBA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ASBA is cheaper than 83.55% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.38
EV/EBITDA	N/A

4.3 Compensation for Growth

ASBA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.72

PEG (5Y)2.53

EPS Next 2Y8.77%

EPS Next 3Y10.26%

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5. Dividend

5.1 Amount

ASBA has a Yearly Dividend Yield of 3.60%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.91, ASBA pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.86, ASBA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.6%

5.2 History

The dividend of ASBA has a limited annual growth rate of 3.73%.
ASBA has paid a dividend for less than 5 years, so there is no long track record yet.

Dividend Growth(5Y)3.73%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

ASBA pays out 101.18% of its income as dividend. This is not a sustainable payout ratio.
The dividend of ASBA is growing, but earnings are growing more, so the dividend growth is sustainable.

DP101.18%

EPS Next 2Y8.77%

EPS Next 3Y10.26%

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ASSOC BANC-CORP - ASB 6 5/8 03/01/33

NYSE:ASBA (1/21/2026, 8:04:00 PM)

25.03

+0.11 (+0.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-23 2025-10-23/amc

Earnings (Next)01-22 2026-01-22/amc

Inst Owners87.31%

Inst Owner ChangeN/A

Ins Owners0.77%

Ins Owner ChangeN/A

Market Cap4.15B

Revenue(TTM)1.16B

Net Income(TTM)163.70M

Analysts68.57

Price Target28.36 (13.3%)

Short Float %0.01%

Short Ratio1.06

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.6%

Yearly Dividend0.95

Dividend Growth(5Y)3.73%

DP101.18%

Div Incr Years1

Div Non Decr Years1

Ex-Date02-13 2026-02-13 (0.4141)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)5.47%

Min EPS beat(2)4.04%

Max EPS beat(2)6.9%

EPS beat(4)4

Avg EPS beat(4)6.11%

Min EPS beat(4)4.04%

Max EPS beat(4)8.15%

EPS beat(8)8

Avg EPS beat(8)10.29%

EPS beat(12)11

Avg EPS beat(12)7.02%

EPS beat(16)15

Avg EPS beat(16)9.65%

Revenue beat(2)2

Avg Revenue beat(2)0.83%

Min Revenue beat(2)0.23%

Max Revenue beat(2)1.43%

Revenue beat(4)3

Avg Revenue beat(4)8.86%

Min Revenue beat(4)-1.88%

Max Revenue beat(4)35.66%

Revenue beat(8)4

Avg Revenue beat(8)8.3%

Revenue beat(12)4

Avg Revenue beat(12)4.7%

Revenue beat(16)7

Avg Revenue beat(16)3.84%

PT rev (1m)-0.65%

PT rev (3m)0.91%

EPS NQ rev (1m)1.15%

EPS NQ rev (3m)2.8%

EPS NY rev (1m)-0.15%

EPS NY rev (3m)2.42%

Revenue NQ rev (1m)0.28%

Revenue NQ rev (3m)0.36%

Revenue NY rev (1m)0.27%

Revenue NY rev (3m)0.74%

Valuation

		Industry Rank	Sector Rank
PE	9.7
Fwd PE	8.85
P/S	3.57
P/FCF	7.38
P/OCF	6.87
P/B	0.85
P/tB	1.14
EV/EBITDA	N/A

EPS(TTM)2.58

EY10.31%

EPS(NY)2.83

Fwd EY11.3%

FCF(TTM)3.39

FCFY13.55%

OCF(TTM)3.64

OCFY14.56%

SpS7

BVpS29.34

TBVpS22.02

PEG (NY)0.72

PEG (5Y)2.53

Graham Number41.27

Profitability

		Industry Rank	Sector Rank
ROA	0.37%
ROE	3.36%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.09%
GM	N/A
FCFM	48.45%

ROA(3y)0.52%

ROA(5y)0.67%

ROE(3y)5.09%

ROE(5y)6.1%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-30.12%

PM growth 5Y-15.92%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.77
Debt/EBITDA	N/A
Cap/Depr	70.74%
Cap/Sales	3.6%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	343.83%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC19.27%

ROIC/WACCN/A

Cap/Depr(3y)101.71%

Cap/Depr(5y)88.11%

Cap/Sales(3y)5%

Cap/Sales(5y)4.84%

Profit Quality(3y)309.46%

Profit Quality(5y)249.06%

High Growth Momentum

Growth

EPS 1Y (TTM)9.79%

EPS 3Y2.96%

EPS 5Y3.84%

EPS Q2Q%30.36%

EPS Next Y13.46%

EPS Next 2Y8.77%

EPS Next 3Y10.26%

EPS Next 5YN/A

Revenue 1Y (TTM)5.93%

Revenue growth 3Y-0.65%

Revenue growth 5Y-3.13%

Sales Q2Q%17.21%

Revenue Next Year21.27%

Revenue Next 2Y15.83%

Revenue Next 3Y13.09%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y27.46%

FCF growth 3Y3.89%

FCF growth 5Y1.1%

OCF growth 1Y20.37%

OCF growth 3Y3.09%

OCF growth 5Y0.21%

ASSOC BANC-CORP - ASB 6 5/8 03/01/33 / ASBA FAQ

Can you provide the ChartMill fundamental rating for ASSOC BANC-CORP - ASB 6 5/8 03/01/33?

ChartMill assigns a fundamental rating of 4 / 10 to ASBA.

What is the valuation status of ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) stock?

ChartMill assigns a valuation rating of 7 / 10 to ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA). This can be considered as Undervalued.

How profitable is ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) stock?

ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) has a profitability rating of 2 / 10.

Can you provide the financial health for ASBA stock?

The financial health rating of ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) is 2 / 10.

What is the expected EPS growth for ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) stock?

The Earnings per Share (EPS) of ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) is expected to grow by 13.46% in the next year.

ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

ASSOC BANC-CORP - ASB 6 5/8 03/01/33 / ASBA FAQ

Can you provide the ChartMill fundamental rating for ASSOC BANC-CORP - ASB 6 5/8 03/01/33?

What is the valuation status of ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) stock?

How profitable is ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) stock?

Can you provide the financial health for ASBA stock?

What is the expected EPS growth for ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) stock?