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

NYSE:ASBA • US0454876006

Current stock price

24.96 USD
-0.03 (-0.12%)
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.
  • In the past year ASBA had a positive cash flow from operations.
  • Each year in the past 5 years ASBA has been profitable.
  • In the past 5 years ASBA always reported a positive cash flow from operatings.
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

  • ASBA has a Return On Assets (1.02%) which is in line with its industry peers.
  • ASBA has a Return On Equity (9.27%) which is comparable to the rest of the 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 78.72% of its industry peers.
  • ASBA's Profit Margin has improved in the last couple of years.
  • ASBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
  • The number of shares outstanding for ASBA remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for ASBA has been increased compared to 5 years ago.
  • The debt/assets ratio for ASBA has been reduced compared to a year ago.
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

  • ASBA has a debt to FCF ratio of 1.56. This is a very positive value and a sign of high solvency as it would only need 1.56 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.56, ASBA is in line with its industry, outperforming 56.12% of the companies in the same industry.
  • A Debt/Equity ratio of 0.18 indicates that ASBA is not too dependend on debt financing.
  • ASBA has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.56
Altman-Z N/A
ROIC/WACCN/A
WACC16.37%
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

  • The Earnings Per Share has grown by an nice 17.57% over the past year.
  • ASBA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.95% yearly.
  • ASBA shows a strong growth in Revenue. In the last year, the Revenue has grown by 43.33%.
  • Measured over the past years, ASBA shows a small growth in Revenue. The Revenue has been growing by 3.10% on average per year.
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

  • Based on estimates for the next years, ASBA will show a small growth in Earnings Per Share. The EPS will grow by 7.43% on average per year.
  • Based on estimates for the next years, ASBA will show a quite strong growth in Revenue. The Revenue will grow by 10.29% on average per year.
EPS Next Y0.58%
EPS Next 2Y7.01%
EPS Next 3Y7.43%
EPS Next 5YN/A
Revenue Next Year15.48%
Revenue Next 2Y12.12%
Revenue Next 3Y10.29%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 2028 500M 1B 1.5B 2B
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 2028 1 2 3

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6

4. ASBA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.88, which indicates a very decent valuation of ASBA.
  • 91.49% of the companies in the same industry are more expensive than ASBA, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.95. ASBA is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 8.83, which indicates a very decent valuation of ASBA.
  • Based on the Price/Forward Earnings ratio, ASBA is valued cheaply inside the industry as 85.64% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.68, ASBA is valued rather cheaply.
Industry RankSector Rank
PE 8.88
Fwd PE 8.83
ASBA Price Earnings VS Forward Price EarningsASBA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 86.70% of the companies in the same industry are more expensive than ASBA, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.12
EV/EBITDA N/A
ASBA Per share dataASBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)15.33
PEG (5Y)0.47
EPS Next 2Y7.01%
EPS Next 3Y7.43%

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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 3.50%.
  • Compared to an average industry Dividend Yield of 2.57, ASBA pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, ASBA pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.5%

5.2 History

  • The dividend of ASBA has a limited annual growth rate of 3.73%.
  • ASBA has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)3.73%
Div Incr Years0
Div Non Decr Years2
ASBA Yearly Dividends per shareASBA Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 36.29% of the earnings are spent on dividend by ASBA. This is a low number and sustainable payout ratio.
  • The dividend of ASBA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.29%
EPS Next 2Y7.01%
EPS Next 3Y7.43%
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 (4/20/2026, 4:15:00 PM)

24.96

-0.03 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners87.66%
Inst Owner ChangeN/A
Ins Owners1.89%
Ins Owner ChangeN/A
Market Cap4.13B
Revenue(TTM)1.49B
Net Income(TTM)461.00M
Analysts71.43
Price Target27.41 (9.82%)
Short Float %0.05%
Short Ratio3.59
Dividend
Industry RankSector Rank
Dividend Yield 3.5%
Yearly Dividend1.01
Dividend Growth(5Y)3.73%
DP36.29%
Div Incr Years0
Div Non Decr Years2
Ex-Date05-15
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)-3%
PT rev (3m)-3.37%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)1.52%
EPS NY rev (1m)-0.59%
EPS NY rev (3m)-0.04%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)0.36%
Revenue NY rev (1m)1.82%
Revenue NY rev (3m)4.38%
Valuation
Industry RankSector Rank
PE 8.88
Fwd PE 8.83
P/S 2.77
P/FCF 7.12
P/OCF 6.7
P/B 0.83
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)2.81
EY11.26%
EPS(NY)2.83
Fwd EY11.32%
FCF(TTM)3.5
FCFY14.04%
OCF(TTM)3.72
OCFY14.92%
SpS9
BVpS30.09
TBVpS22.75
PEG (NY)15.33
PEG (5Y)0.47
Graham Number43.6195 (74.76%)
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
WACC16.37%
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 Y0.58%
EPS Next 2Y7.01%
EPS Next 3Y7.43%
EPS Next 5YN/A
Revenue 1Y (TTM)43.33%
Revenue growth 3Y6.26%
Revenue growth 5Y3.1%
Sales Q2Q%13.81%
Revenue Next Year15.48%
Revenue Next 2Y12.12%
Revenue Next 3Y10.29%
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.


Can you provide the profitability details for ASSOC BANC-CORP - ASB 6 5/8 03/01/33?

ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) has a profitability rating of 4 / 10.


What is the valuation of ASSOC BANC-CORP - ASB 6 5/8 03/01/33 based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) is 8.88 and the Price/Book (PB) ratio is 0.83.


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 0.58% in the next year.