Is Associated Banc Stock a Good Investment?
Associated Banc Investment Advice | ASB |
- Examine Associated Banc's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Associated Banc's leadership team and their track record. Good management can help Associated Banc navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Associated Banc's business and its evolving consumer preferences.
- Compare Associated Banc's performance and market position to its competitors. Analyze how Associated Banc is positioned in terms of product offerings, innovation, and market share.
- Check if Associated Banc pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Associated Banc's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Associated Banc Corp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Associated Banc Corp is a good investment.
Sell | Buy |
Buy
Market Performance | Modest | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Associated Banc Stock
Researching Associated Banc's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 80.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.93. Some equities with similar Price to Book (P/B) outperform the market in the long run. Associated Banc Corp has Price/Earnings To Growth (PEG) ratio of 2.27. The entity last dividend was issued on the 2nd of December 2024. The firm had 3:2 split on the 13th of May 2004.
To determine if Associated Banc is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Associated Banc's research are outlined below:
| Over 80.0% of the company shares are held by institutions such as insurance companies | |
| On 16th of December 2024 Associated Banc paid $ 0.23 per share dividend to its current shareholders | |
| Latest headline from thelincolnianonline.com: Retirement Systems of Alabama Sells 2,596 Shares of Associated Banc-Corp |
Associated Banc Quarterly Good Will |
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Associated Banc uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Associated Banc Corp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Associated Banc's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 18th of April 2024 Upcoming Quarterly Report | View | |
| 18th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 23rd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Associated Banc's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Associated Banc's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2011-04-21 | 2011-03-31 | 0.08 | 0.09 | 0.01 | 12 | ||
2011-01-20 | 2010-12-31 | 0.05 | 0.04 | -0.01 | 20 | ||
2011-07-21 | 2011-06-30 | 0.13 | 0.15 | 0.02 | 15 | ||
2009-04-16 | 2009-03-31 | 0.25 | 0.28 | 0.03 | 12 | ||
2020-10-22 | 2020-09-30 | 0.2 | 0.24 | 0.04 | 20 | ||
2020-07-23 | 2020-06-30 | 0.31 | 0.26 | -0.05 | 16 | ||
2018-07-19 | 2018-06-30 | 0.48 | 0.53 | 0.05 | 10 | ||
2017-10-19 | 2017-09-30 | 0.36 | 0.41 | 0.05 | 13 |
Know Associated Banc's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Associated Banc is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Associated Banc Corp backward and forwards among themselves. Associated Banc's institutional investor refers to the entity that pools money to purchase Associated Banc's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Pzena Investment Management, Llc | 2024-09-30 | 2.5 M | Alliancebernstein L.p. | 2024-09-30 | 2.2 M | Charles Schwab Investment Management Inc | 2024-09-30 | 2.1 M | Northern Trust Corp | 2024-09-30 | 1.8 M | Bank Of New York Mellon Corp | 2024-09-30 | 1.7 M | American Century Companies Inc | 2024-09-30 | 1.7 M | Morgan Stanley - Brokerage Accounts | 2024-09-30 | 1.5 M | Goldman Sachs Group Inc | 2024-09-30 | 1.2 M | Norges Bank | 2024-06-30 | 1.1 M | Blackrock Inc | 2024-06-30 | 19.3 M | Vanguard Group Inc | 2024-09-30 | 16.6 M |
Associated Banc's market capitalization trends
The company currently falls under 'Mid-Cap' category with a total capitalization of 3.91 B.Market Cap |
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Associated Banc's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.01 | 0.01 | |
| Return On Equity | 0.04 | 0.04 |
Determining Associated Banc's profitability involves analyzing its financial statements and using various financial metrics to determine if Associated Banc is a good buy. For example, gross profit margin measures Associated Banc's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Associated Banc's profitability and make more informed investment decisions.
Please note, the presentation of Associated Banc's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Associated Banc's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Associated Banc's management manipulating its earnings.
Evaluate Associated Banc's management efficiency
As of December 21, 2024, Return On Tangible Assets is expected to decline to 0. In addition to that, Return On Capital Employed is expected to decline to 0.01. At present, Associated Banc's Intangibles To Total Assets are projected to increase slightly based on the last few years of reporting. The current year's Fixed Asset Turnover is expected to grow to 4.21, whereas Total Assets are forecasted to decline to about 21 B. Associated Banc's management efficiency ratios could be used to measure how well Associated Banc manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 27.83 | 29.22 | |
| Tangible Book Value Per Share | 19.63 | 20.61 | |
| Enterprise Value Over EBITDA | 13.04 | 13.69 | |
| Price Book Value Ratio | 0.77 | 0.73 | |
| Enterprise Value Multiple | 13.04 | 13.69 | |
| Price Fair Value | 0.77 | 0.73 | |
| Enterprise Value | 3.5 B | 3.6 B |
Leadership at Associated Banc emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Dividend Yield 0.0388 | Forward Dividend Yield 0.0388 | Forward Dividend Rate 0.92 | Beta 0.904 |
Basic technical analysis of Associated Stock
As of the 21st of December, Associated Banc shows the Downside Deviation of 1.77, risk adjusted performance of 0.0553, and Mean Deviation of 1.53. Associated Banc Corp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.Associated Banc's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Associated Banc insiders, such as employees or executives, is commonly permitted as long as it does not rely on Associated Banc's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Associated Banc insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Associated Banc's Outstanding Corporate Bonds
Associated Banc issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Associated Banc Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Associated bonds can be classified according to their maturity, which is the date when Associated Banc Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand Associated Banc's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Associated Banc's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0553 | |||
| Market Risk Adjusted Performance | 0.0729 | |||
| Mean Deviation | 1.53 | |||
| Semi Deviation | 1.67 | |||
| Downside Deviation | 1.77 | |||
| Coefficient Of Variation | 1643.68 | |||
| Standard Deviation | 2.72 | |||
| Variance | 7.41 | |||
| Information Ratio | 0.049 | |||
| Jensen Alpha | 0.1008 | |||
| Total Risk Alpha | 0.0794 | |||
| Sortino Ratio | 0.0755 | |||
| Treynor Ratio | 0.0629 | |||
| Maximum Drawdown | 22.15 | |||
| Value At Risk | (3.44) | |||
| Potential Upside | 2.59 | |||
| Downside Variance | 3.12 | |||
| Semi Variance | 2.78 | |||
| Expected Short fall | (1.90) | |||
| Skewness | 3.75 | |||
| Kurtosis | 24.18 |
| Risk Adjusted Performance | 0.0553 | |||
| Market Risk Adjusted Performance | 0.0729 | |||
| Mean Deviation | 1.53 | |||
| Semi Deviation | 1.67 | |||
| Downside Deviation | 1.77 | |||
| Coefficient Of Variation | 1643.68 | |||
| Standard Deviation | 2.72 | |||
| Variance | 7.41 | |||
| Information Ratio | 0.049 | |||
| Jensen Alpha | 0.1008 | |||
| Total Risk Alpha | 0.0794 | |||
| Sortino Ratio | 0.0755 | |||
| Treynor Ratio | 0.0629 | |||
| Maximum Drawdown | 22.15 | |||
| Value At Risk | (3.44) | |||
| Potential Upside | 2.59 | |||
| Downside Variance | 3.12 | |||
| Semi Variance | 2.78 | |||
| Expected Short fall | (1.90) | |||
| Skewness | 3.75 | |||
| Kurtosis | 24.18 |
Consider Associated Banc's intraday indicators
Associated Banc intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Associated Banc stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Associated Banc Corporate Filings
F4 | 17th of December 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F3 | 13th of December 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
8K | 11th of December 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 15th of November 2024 Other Reports | ViewVerify |
Associated Stock media impact
Far too much social signal, news, headlines, and media speculation about Associated Banc that are available to investors today. That information is available publicly through Associated media outlets and privately through word of mouth or via Associated internal channels. However, regardless of the origin, that massive amount of Associated data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Associated Banc news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Associated Banc relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Associated Banc's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Associated Banc alpha.
Associated Banc Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Associated Banc can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Associated Banc Corp Historical Investor Sentiment
Investor biases related to Associated Banc's public news can be used to forecast risks associated with an investment in Associated. The trend in average sentiment can be used to explain how an investor holding Associated can time the market purely based on public headlines and social activities around Associated Banc Corp. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Associated Banc's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Associated Banc and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average Associated Banc news discussions. The higher the estimate score, the more favorable the investor's outlook on Associated Banc.
Associated Banc Corporate Directors
| Karen Lith | Independent Director | Profile | |
| Robert Jeffe | Independent Director | Profile | |
| Michael Desorcy | Director VP | Profile | |
| John Bergstrom | Independent Director | Profile |
Already Invested in Associated Banc Corp?
The danger of trading Associated Banc Corp is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Associated Banc is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Associated Banc. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Associated Banc Corp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Associated Banc Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Associated Banc's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Associated Banc Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Associated Banc Corp Stock: Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Associated Banc Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state. You can also try the Portfolio Optimization module to compute new portfolio that will generate highest expected return given your specified tolerance for risk.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Associated Banc. If investors know Associated will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Associated Banc listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.057 | Dividend Share 0.88 | Earnings Share 1.2 | Revenue Per Share 6.717 | Quarterly Revenue Growth 0.033 |
The market value of Associated Banc Corp is measured differently than its book value, which is the value of Associated that is recorded on the company's balance sheet. Investors also form their own opinion of Associated Banc's value that differs from its market value or its book value, called intrinsic value, which is Associated Banc's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Associated Banc's market value can be influenced by many factors that don't directly affect Associated Banc's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Associated Banc's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Associated Banc is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Associated Banc's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.