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

NYSE:ASBA • US0454876006

Current stock price

24.79 USD
-0.06 (-0.24%)
Last:

This ASBA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. ASBA Profitability Analysis

1.1 Basic Checks

  • ASBA had positive earnings in the past year.
  • ASBA had a positive operating cash flow in the past year.
  • 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.
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 2025 200M 400M 600M 800M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.02%, ASBA is in line with its industry, outperforming 58.42% of the companies in the same industry.
  • With a Return On Equity value of 9.27%, ASBA perfoms like the industry average, outperforming 52.37% of the companies in the same industry.
Industry RankSector Rank
ROA 1.02%
ROE 9.27%
ROIC N/A
ROA(3y)0.56%
ROA(5y)0.71%
ROE(3y)5.25%
ROE(5y)6.55%
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 2025 2 4 6 8

1.3 Margins

  • ASBA has a better Profit Margin (30.99%) than 79.47% of its industry peers.
  • In the last couple of years the Profit Margin of ASBA has grown nicely.
  • 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) 30.99%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.92%
PM growth 5Y6.68%
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 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. ASBA Health Analysis

2.1 Basic Checks

  • ASBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ASBA has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ASBA has been increased compared to 5 years ago.
  • Compared to 1 year ago, ASBA has an improved debt to assets ratio.
ASBA Yearly Shares OutstandingASBA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 10B 20B 30B 40B

2.2 Solvency

  • The Debt to FCF ratio of ASBA is 1.56, which is an excellent value as it means it would take ASBA, only 1.56 years of fcf income to pay off all of its debts.
  • ASBA has a Debt to FCF ratio of 1.56. This is comparable to the rest of the industry: ASBA outperforms 56.84% of its industry peers.
  • A Debt/Equity ratio of 0.18 indicates that ASBA is not too dependend on debt financing.
  • ASBA's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. ASBA outperforms 47.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.56
Altman-Z N/A
ROIC/WACCN/A
WACC16.48%
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 2025 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 2025 200M 400M 600M 800M 1B

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

6

3. ASBA Growth Analysis

3.1 Past

  • ASBA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.57%, which is quite good.
  • Measured over the past years, ASBA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.95% on average per year.
  • ASBA shows a strong growth in Revenue. In the last year, the Revenue has grown by 43.33%.
  • ASBA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.10% yearly.
EPS 1Y (TTM)17.57%
EPS 3Y6.14%
EPS 5Y18.95%
EPS Q2Q%40.35%
Revenue 1Y (TTM)43.33%
Revenue growth 3Y6.26%
Revenue growth 5Y3.1%
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 6.62% yearly.
  • The Revenue is expected to grow by 10.54% on average over the next years. This is quite good.
EPS Next Y1.18%
EPS Next 2Y6.62%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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6

4. ASBA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.82, the valuation of ASBA can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of ASBA indicates a rather cheap valuation: ASBA is cheaper than 88.42% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.88. ASBA is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 8.72, the valuation of ASBA can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, ASBA is valued a bit cheaper than 78.16% of the companies in the same industry.
  • ASBA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 8.82
Fwd PE 8.72
ASBA Price Earnings VS Forward Price EarningsASBA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • ASBA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ASBA is cheaper than 84.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.1
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)7.48
PEG (5Y)0.47
EPS Next 2Y6.62%
EPS Next 3YN/A

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

5

5. ASBA Dividend Analysis

5.1 Amount

  • ASBA has a Yearly Dividend Yield of 3.92%.
  • Compared to an average industry Dividend Yield of 2.78, ASBA pays a bit more dividend than its industry peers.
  • ASBA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 3.92%

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

  • ASBA pays out 36.29% of its income as dividend. This is a sustainable payout ratio.
  • ASBA's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.29%
EPS Next 2Y6.62%
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 2025 200M 400M 600M
ASBA Dividend Payout.ASBA Dividend Payout, showing the Payout Ratio.ASBA Dividend Payout.PayoutRetained Earnings

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ASBA Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:ASBA (3/27/2026, 8:04:00 PM)

24.79

-0.06 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners87.16%
Inst Owner ChangeN/A
Ins Owners0.82%
Ins Owner ChangeN/A
Market Cap4.11B
Revenue(TTM)1.49B
Net Income(TTM)461.00M
Analysts68.57
Price Target28.25 (13.96%)
Short Float %0.01%
Short Ratio1.2
Dividend
Industry RankSector Rank
Dividend Yield 3.92%
Yearly Dividend1.01
Dividend Growth(5Y)3.73%
DP36.29%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10%
Min EPS beat(2)6.9%
Max EPS beat(2)13.11%
EPS beat(4)4
Avg EPS beat(4)8.05%
Min EPS beat(4)4.04%
Max EPS beat(4)13.11%
EPS beat(8)8
Avg EPS beat(8)11.79%
EPS beat(12)11
Avg EPS beat(12)7.69%
EPS beat(16)15
Avg EPS beat(16)9.48%
Revenue beat(2)2
Avg Revenue beat(2)1.12%
Min Revenue beat(2)0.81%
Max Revenue beat(2)1.43%
Revenue beat(4)3
Avg Revenue beat(4)0.15%
Min Revenue beat(4)-1.88%
Max Revenue beat(4)1.43%
Revenue beat(8)4
Avg Revenue beat(8)3.62%
Revenue beat(12)5
Avg Revenue beat(12)4.77%
Revenue beat(16)7
Avg Revenue beat(16)3.84%
PT rev (1m)2.41%
PT rev (3m)-1.03%
EPS NQ rev (1m)0.75%
EPS NQ rev (3m)1.8%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)-0.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.97%
Valuation
Industry RankSector Rank
PE 8.82
Fwd PE 8.72
P/S 2.77
P/FCF 7.1
P/OCF 6.68
P/B 0.83
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)2.81
EY11.34%
EPS(NY)2.84
Fwd EY11.47%
FCF(TTM)3.49
FCFY14.08%
OCF(TTM)3.71
OCFY14.96%
SpS8.96
BVpS29.98
TBVpS22.66
PEG (NY)7.48
PEG (5Y)0.47
Graham Number43.53
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 9.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.99%
GM N/A
FCFM 38.94%
ROA(3y)0.56%
ROA(5y)0.71%
ROE(3y)5.25%
ROE(5y)6.55%
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 3Y2.92%
PM growth 5Y6.68%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.56
Debt/EBITDA N/A
Cap/Depr 61.48%
Cap/Sales 2.45%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 125.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.48%
ROIC/WACCN/A
Cap/Depr(3y)83.43%
Cap/Depr(5y)87.31%
Cap/Sales(3y)4.13%
Cap/Sales(5y)4.48%
Profit Quality(3y)277.2%
Profit Quality(5y)239.6%
High Growth Momentum
Growth
EPS 1Y (TTM)17.57%
EPS 3Y6.14%
EPS 5Y18.95%
EPS Q2Q%40.35%
EPS Next Y1.18%
EPS Next 2Y6.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)43.33%
Revenue growth 3Y6.26%
Revenue growth 5Y3.1%
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 1Y8.23%
FCF growth 3Y-9.59%
FCF growth 5Y3.18%
OCF growth 1Y6.11%
OCF growth 3Y-10.07%
OCF growth 5Y2.28%

ASSOC BANC-CORP - ASB 6 5/8 03/01/33 / ASBA Fundamental Analysis 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 5 / 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 4 / 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 3 / 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 1.18% in the next year.