ASSOCIATED BANC-CORP ASB

Latest FY: 2025 Financial Services Banks - Regional
Market Price $30.33
Market Cap $5.73B
P/E Ratio 10.95
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑42.0% YoY
$1.49B
3-Yr CAGR: 6.3%
Net Income ↑285.5% YoY
$474.78M
Net Margin: 31.9%
Free Cash Flow ↑8.2% YoY
$579.32M
FCF Yield: 10.11%
EPS (Diluted) ↑284.7% YoY
$2.77
Basic: $2.79
Return on Equity Efficiency
9.5%
ROA: 1.1%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (ASB)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $1,060.2M $975.9M $200.3M $1.26 $0.45 1.83% $628.9M $628.9M
FY 2017 $1,073.9M +1.3% $928.5M $229.3M +14.5% $1.42 +12.7% $0.50 1.96% $458.4M $458.4M -27.1%
FY 2018 $1,235.1M +15.0% $960.6M $333.6M +45.5% $1.89 +33.1% $0.62 3.14% $496.6M $496.6M +8.3%
FY 2019 $1,216.5M -1.5% $879.6M $326.8M -2.0% $1.91 +1.1% $0.69 3.13% $574.3M $574.3M +15.6%
FY 2020 $1,277.0M +5.0% $1,127.1M $306.8M -6.1% $1.86 -2.6% $0.73 4.28% $550.0M $550.0M -4.2%
FY 2021 $1,058.2M -17.1% $985.9M $351.0M +14.4% $2.18 +17.2% $0.76 3.38% $529.6M $529.6M -3.7%
FY 2022 $1,239.7M +17.1% $1,051.8M $366.1M +4.3% $2.34 +7.3% $0.82 3.54% $846.6M $783.9M +48.0%
FY 2023 $1,102.8M -11.0% $184.3M $183.0M -50.0% $1.13 -51.7% $0.86 4.01% $442.7M $380.9M -51.4%
FY 2024 $1,047.2M -5.0% $134.5M $123.1M -32.7% $0.72 -36.3% $0.91 3.80% $580.2M $535.3M +40.5%
FY 2025 $1,487.5M +42.0% $515.9M $474.8M +285.5% $2.77 +284.7% $0.93 3.63% $615.7M $579.3M +8.2%
$

Valuation

Market Price $30.33
Market Cap $5.73B
Enterprise Value $6.02B
P/E Ratio 10.95
P/B Ratio 1.15
FCF Yield 10.11%
Dividend Yield 3.08%
Shares Outstanding 188,917,000
%

Profitability & Margins

Gross Margin 34.68%
Operating Margin 38.85%
Net Margin 31.92%
Return on Equity (ROE) 9.54%
Return on Assets (ROA) 1.05%
Asset Turnover 0.03x
Revenue 3-Yr CAGR 6.26%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.202
Debt / Assets 0.022
Cash & Equivalents $716.02M
Total Debt $1.01B
Book Value / Share $26.34
💧

Cash Flow Efficiency

Operating Cash Flow $615.69M
Capital Expenditures (CapEx) $36.37M
Free Cash Flow $579.32M
OCF / Revenue 41.39%
FCF / Revenue 38.94%
FCF 3-Yr CAGR -9.59%
🏷️

Per Share Metrics

EPS (Diluted) $2.77
EPS (Basic) $2.79
Dividends / Share $0.93
Book Value / Share $26.34
EPS YoY Growth 284.72%
🏛️

Balance Sheet (FY 2025)

Total Assets $45.20B
Total Liabilities $40.23B
Stockholders' Equity $4.98B
Current Assets N/A
Current Liabilities N/A