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Upturn AI SWOT - About
ASB 
Associated Banc-Corp (ASB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: ASB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $28.6
1 Year Target Price $28.6
| 1 | Strong Buy |
| 1 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.96% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.48B USD | Price to earnings Ratio 38.59 | 1Y Target Price 28.6 |
Price to earnings Ratio 38.59 | 1Y Target Price 28.6 | ||
Volume (30-day avg) 10 | Beta 0.83 | 52 Weeks Range 18.14 - 27.46 | Updated Date 08/29/2025 |
52 Weeks Range 18.14 - 27.46 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.38% | Basic EPS (TTM) 0.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.45% | Operating Margin (TTM) 44.2% |
Management Effectiveness
Return on Assets (TTM) 0.32% | Return on Equity (TTM) 3.09% |
Valuation
Trailing PE 38.59 | Forward PE 10.38 | Enterprise Value 7910004736 | Price to Sales(TTM) 4.32 |
Enterprise Value 7910004736 | Price to Sales(TTM) 4.32 | ||
Enterprise Value to Revenue 8.35 | Enterprise Value to EBITDA - | Shares Outstanding 165848000 | Shares Floating 162074273 |
Shares Outstanding 165848000 | Shares Floating 162074273 | ||
Percent Insiders 0.78 | Percent Institutions 86.78 |
Upturn AI SWOT
Associated Banc-Corp
Company Overview
History and Background
Associated Banc-Corp was founded in 1861 as Kellogg National Bank in Green Bay, Wisconsin. It has grown through acquisitions and organic expansion to become one of the largest bank holding companies in the Midwest.
Core Business Areas
- Corporate and Commercial Banking: Offers a range of lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Provides checking and savings accounts, mortgages, personal loans, and investment services to individuals and families.
- Risk Management and Compliance: Oversees compliance with regulatory requirements and risk mitigation strategies.
Leadership and Structure
The company is led by a board of directors and a management team. The organizational structure is hierarchical, with clear lines of responsibility and reporting.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Market share is difficult to pinpoint precisely, but they compete with regional and national banks. Competitors: US Bancorp, BMO Harris.
- Mortgages: Home loans for individuals and families. Competitors: Rocket Mortgage, Wells Fargo.
- Treasury Management Services: Helping businesses manage cash flow and working capital efficiently. Competitors: JPMorgan Chase, Bank of America.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Associated Banc-Corp is a regional bank with a strong presence in the Midwest. It differentiates itself through its customer service and community involvement.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is estimated to be in the billions of dollars. ASB is positioned to capture a share of this TAM through its regional presence and diversified offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified product offerings
- Experienced management team
- Strong capital position
Weaknesses
- Limited geographic reach
- Dependence on interest income
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- BMO
- JPM
Competitive Landscape
Associated Banc-Corp faces competition from larger national banks and smaller regional banks. Its competitive advantage lies in its strong customer relationships and local market knowledge.
Major Acquisitions
Bank Mutual Corporation
- Year: 2018
- Acquisition Price (USD millions): 482
- Strategic Rationale: Expanded ASB's presence in Wisconsin and increased its deposit base.
Growth Trajectory and Initiatives
Historical Growth: Discuss Associated Banc-Corp's growth trends over the past years.
Future Projections: Provide projections for Associated Banc-Corp's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Associated Banc-Corp.
Summary
Associated Banc-Corp is a stable regional bank with a strong presence in the Midwest. Its diversified product offerings and customer focus are strengths. However, it faces challenges from larger competitors and economic headwinds. Continued expansion and digital innovation will be key to future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
- Company Website
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and a thorough understanding of the risks involved.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Associated Banc-Corp
Exchange NYSE | Headquaters Green Bay, WI, United States | ||
IPO Launch date 1984-09-07 | President, CEO & Director Mr. Andrew John Harmening | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3993 | Website https://www.associatedbank.com |
Full time employees 3993 | Website https://www.associatedbank.com | ||
Associated Banc-Corp, a bank holding company, provides various banking and nonbanking products and services to individuals and businesses in Wisconsin, Illinois, Missouri, and Minnesota. The company offers lending solutions, including commercial loans and lines of credit, commercial real estate financing, construction loans, letters of credit, leasing, asset-based lending and equipment finance, loan syndications products, residential mortgages, home equity loans and lines of credit, personal and installment loans, auto finance and business loans, and business lines of credit. It also provides deposit and cash management solutions, such as commercial checking and interest-bearing deposit products, cash vault and night depository services, liquidity solutions, payables and receivables solutions, and information services; specialized financial services comprising interest rate risk management and foreign exchange solutions; fiduciary services consisting of administration of pension, profit-sharing and other employee benefit plans, fiduciary and corporate agency services, and institutional asset management services; and investable funds solutions, including savings, money market deposit accounts, IRA accounts, CDs, fixed and variable annuities, full-service, discount, and online investment brokerage; investment advisory services; and trust and investment management accounts. In addition, the company offers deposit and transactional solutions, including checking, credit and debit cards, online banking and bill pay, and money transfer services. The company operates loan production offices in Indiana, Kansas, Michigan, New York, Ohio, and Texas. Associated Banc-Corp was founded in 1861 and is headquartered in Green Bay, Wisconsin.
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