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

NYSE:ASBA • US0454876006

24.97 USD
+0.02 (+0.08%)
Last: Feb 20, 2026, 08:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

ASBA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. ASBA has a bad profitability rating. Also its financial health evaluation is rather negative. ASBA is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

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.
  • ASBA had positive earnings in 4 of the past 5 years.
  • ASBA had a positive operating cash flow in 4 of the past 5 years.
ASBA Yearly Net Income VS EBIT VS OCF VS FCFASBA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

  • The Return On Assets of ASBA (0.37%) is worse than 84.17% of its industry peers.
  • With a Return On Equity value of 3.36%, ASBA is not doing good in the industry: 84.43% of the companies in the same industry are doing better.
Industry RankSector 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
ASBA Yearly ROA, ROE, ROICASBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • ASBA has a Profit Margin of 14.09%. This is in the lower half of the industry: ASBA underperforms 78.89% of its industry peers.
  • In the last couple of years the Profit Margin of ASBA has declined.
  • The Operating Margin and Gross Margin are not available for ASBA so they could not be analyzed.
Industry RankSector 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
ASBA Yearly Profit, Operating, Gross MarginsASBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • ASBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for ASBA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ASBA Yearly Shares OutstandingASBA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
ASBA Yearly Total Debt VS Total AssetsASBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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.
  • ASBA has a Debt to FCF ratio (1.77) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.20 indicates that ASBA is not too dependend on debt financing.
  • ASBA's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. ASBA outperforms 42.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.77
Altman-Z N/A
ROIC/WACCN/A
WACC19.12%
ASBA Yearly LT Debt VS Equity VS FCFASBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ASBA Yearly Current Assets VS Current LiabilitesASBA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.57% over the past year.
  • The Earnings Per Share has been growing by 18.95% on average over the past years. This is quite good.
EPS 1Y (TTM)17.57%
EPS 3Y6.14%
EPS 5Y18.95%
EPS Q2Q%40.35%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.81%

3.2 Future

  • ASBA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.90% yearly.
  • ASBA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.54% yearly.
EPS Next Y1.34%
EPS Next 2Y6.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.42%
Revenue Next 2Y10.54%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ASBA Yearly Revenue VS EstimatesASBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
ASBA Yearly EPS VS EstimatesASBA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.89, the valuation of ASBA can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of ASBA indicates a rather cheap valuation: ASBA is cheaper than 91.29% of the companies listed in the same industry.
  • ASBA is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 8.77, which indicates a very decent valuation of ASBA.
  • Based on the Price/Forward Earnings ratio, ASBA is valued cheaper than 86.54% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.02, ASBA is valued rather cheaply.
Industry RankSector Rank
PE 8.89
Fwd PE 8.77
ASBA Price Earnings VS Forward Price EarningsASBA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, ASBA is valued cheaply inside the industry as 85.75% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.36
EV/EBITDA N/A
ASBA Per share dataASBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ASBA does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.63
PEG (5Y)0.47
EPS Next 2Y6.9%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • ASBA has a Yearly Dividend Yield of 6.62%, which is a nice return.
  • ASBA's Dividend Yield is rather good when compared to the industry average which is at 2.74. ASBA pays more dividend than 95.51% of the companies in the same industry.
  • ASBA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 6.62%

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
ASBA Yearly Dividends per shareASBA Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 101.18% of the earnings are spent on dividend by ASBA. This is not a sustainable payout ratio.
  • ASBA's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP101.18%
EPS Next 2Y6.9%
EPS Next 3YN/A
ASBA Yearly Income VS Free CF VS DividendASBA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
ASBA Dividend Payout.ASBA Dividend Payout, showing the Payout Ratio.ASBA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

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

NYSE:ASBA (2/20/2026, 8:17:27 PM)

24.97

+0.02 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners87.31%
Inst Owner ChangeN/A
Ins Owners0.77%
Ins Owner ChangeN/A
Market Cap4.14B
Revenue(TTM)N/A
Net Income(TTM)163.70M
Analysts68.57
Price Target27.59 (10.49%)
Short Float %0%
Short Ratio0.58
Dividend
Industry RankSector Rank
Dividend Yield 6.62%
Yearly Dividend0.95
Dividend Growth(5Y)3.73%
DP101.18%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-13
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)-2.72%
PT rev (3m)-2.42%
EPS NQ rev (1m)-1.23%
EPS NQ rev (3m)1.48%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.27%
Valuation
Industry RankSector Rank
PE 8.89
Fwd PE 8.77
P/S 3.57
P/FCF 7.36
P/OCF 6.85
P/B 0.85
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)2.81
EY11.25%
EPS(NY)2.85
Fwd EY11.4%
FCF(TTM)3.39
FCFY13.58%
OCF(TTM)3.64
OCFY14.59%
SpS7
BVpS29.33
TBVpS22.01
PEG (NY)6.63
PEG (5Y)0.47
Graham Number43.06
Profitability
Industry RankSector 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 RankSector 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
WACC19.12%
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)17.57%
EPS 3Y6.14%
EPS 5Y18.95%
EPS Q2Q%40.35%
EPS Next Y1.34%
EPS Next 2Y6.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.81%
Revenue Next Year13.42%
Revenue Next 2Y10.54%
Revenue Next 3YN/A
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 3 / 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 6 / 10 to ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA). This can be considered as Fairly Valued.


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 1.34% in the next year.