Associated Financial Statements From 2010 to 2025

ASB Stock  USD 22.22  0.26  1.18%   
Associated Banc financial statements provide useful quarterly and yearly information to potential Associated Banc Corp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Associated Banc financial statements helps investors assess Associated Banc's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Associated Banc's valuation are summarized below:
Gross Profit
952.9 M
Profit Margin
0.1292
Market Capitalization
3.7 B
Enterprise Value Revenue
6.3498
Revenue
952.9 M
We have found one hundred twenty available fundamental signals for Associated Banc Corp, which can be analyzed and compared to other ratios and to its rivals. All investors should make sure to validate all of Associated Banc Corp prevailing market performance against the performance between 2010 and 2025 to make sure the company can sustain itself down the road. The current year's Market Cap is expected to grow to about 4 B. The current year's Enterprise Value is expected to grow to about 3.6 B

Associated Banc Total Revenue

835.62 Million

Check Associated Banc financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Associated Banc's main balance sheet or income statement drivers, such as Interest Expense of 1.1 B, Other Operating Expenses of 552.6 M or EBIT of 229.7 M, as well as many indicators such as Price To Sales Ratio of 2.59, Dividend Yield of 0.0254 or PTB Ratio of 1.58. Associated financial statements analysis is a perfect complement when working with Associated Banc Valuation or Volatility modules.
  
Check out the analysis of Associated Banc Correlation against competitors.

Associated Banc Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding120.7 M153.3 M147.7 M
Pretty Stable
Total Assets21.7 B43 B29.1 B
Slightly volatile
Short and Long Term Debt Total3.1 B2.7 B3.1 B
Pretty Stable
Total Current Liabilities2.1 B1.2 B758.2 M
Very volatile
Total Stockholder Equity2.3 B4.4 B3.2 B
Slightly volatile
Property Plant And Equipment Net223.6 M379.1 M308.5 M
Slightly volatile
Net Debt2.5 B1.7 B2.4 B
Very volatile
Retained Earnings3.1 B2.9 BB
Slightly volatile
Cash569.2 M997.6 M681.8 M
Slightly volatile
Non Current Assets Total1.4 B1.5 B7.9 B
Pretty Stable
Cash And Short Term Investments5.4 B5.1 B4.2 B
Pretty Stable
Liabilities And Stockholders Equity21.7 B43 B29.1 B
Slightly volatile
Non Current Liabilities Total2.7 B1.4 B4.4 B
Slightly volatile
Other Stockholder Equity930.2 M1.6 B1.2 B
Pretty Stable
Total Liabilities19.4 B38.4 B25.8 B
Slightly volatile
Total Current Assets9.8 B5.3 B12.1 B
Slightly volatile
Short Term Debt1.5 B1.2 B928.2 M
Pretty Stable
Property Plant And Equipment Gross821 M781.9 M441.1 M
Slightly volatile
Common Stock Total Equity1.5 MM1.7 M
Slightly volatile
Common Stock1.6 M1.9 M1.6 M
Slightly volatile
Other Liabilities136.7 M210.6 M138.5 M
Pretty Stable
Accounts Payable19.4 B34.1 B22.5 B
Slightly volatile
Long Term Debt1.9 B1.4 BB
Very volatile
Short Term Investments3.9 B4.6 BB
Very volatile
Intangible Assets30.1 M31.7 M90.1 M
Very volatile
Property Plant Equipment277.2 M433.4 M321.7 M
Slightly volatile
Good WillB1.3 B993.8 M
Slightly volatile
Other Current Assets934.9 M984.1 M8.6 B
Slightly volatile
Preferred Stock Total Equity185.4 M174.7 M187.9 M
Very volatile
Net Tangible Assets2.3 B3.1 B2.2 B
Slightly volatile
Long Term Debt Total212.1 M223.3 M1.5 B
Slightly volatile
Capital Surpluse1.8 BB1.6 B
Slightly volatile
Long Term Investments13.2 B8.6 B16.2 B
Slightly volatile
Non Current Liabilities Other6.6 B6.3 B2.4 B
Slightly volatile
Short and Long Term Debt947.4 M1.2 B2.1 B
Slightly volatile
Earning Assets7.3 B8.7 B6.9 B
Slightly volatile
Net Invested Capital5.6 B7.1 B6.8 B
Pretty Stable
Capital Stock188.9 M196 M244.4 M
Slightly volatile
Capital Lease Obligations280.2 K295 K1.6 M
Slightly volatile

Associated Banc Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Other Operating Expenses552.6 MB785.8 M
Slightly volatile
EBIT229.7 M237 M304.6 M
Slightly volatile
EBITDA253.3 M237 M318.3 M
Slightly volatile
Net Income165.2 M123.1 M217.6 M
Slightly volatile
Depreciation And Amortization107.6 M102.5 M31.5 M
Slightly volatile
Selling General Administrative314 M526.4 M424.5 M
Slightly volatile
Selling And Marketing Expenses18.4 M28.1 M23.6 M
Slightly volatile
Total Revenue835.6 MBB
Slightly volatile
Gross Profit2.2 B2.1 B1.2 B
Slightly volatile
Income Before Tax243.1 M134.5 M283 M
Slightly volatile
Net Income Applicable To Common Shares248.2 M407.8 M252.5 M
Slightly volatile
Preferred Stock And Other Adjustments13.1 M13.2 M11.6 M
Pretty Stable
Non Recurring21.2 M25.9 M20.6 M
Slightly volatile
Tax Provision10.7 M11.3 M72.6 M
Slightly volatile
Net Interest Income924.9 MB794.7 M
Slightly volatile
Interest Income1.3 B2.1 BB
Slightly volatile
Reconciled Depreciation67.8 M102.5 M60.9 M
Pretty Stable

Associated Banc Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow302.1 M580.2 M389.9 M
Slightly volatile
Begin Period Cash Flow559.8 M923.8 M694.3 M
Slightly volatile
Depreciation49.6 M57.7 M61 M
Pretty Stable
Dividends Paid86.1 M150.7 M90.4 M
Slightly volatile
Capital Expenditures37.4 M45 M58.7 M
Pretty Stable
Total Cash From Operating Activities338.1 M580.2 M445.7 M
Slightly volatile
Net Income181.9 M123.1 M219.1 M
Slightly volatile
End Period Cash Flow623.1 MB711.2 M
Slightly volatile
Issuance Of Capital Stock347.6 M331 M117.1 M
Pretty Stable

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.593.52762.8736
Slightly volatile
Dividend Yield0.02540.04150.03
Slightly volatile
PTB Ratio1.580.82310.9655
Very volatile
Days Sales Outstanding35.1459.489634.2968
Slightly volatile
Book Value Per Share31.8330.313122.0102
Slightly volatile
Free Cash Flow Yield0.0880.15980.1293
Slightly volatile
Operating Cash Flow Per Share4.013.81913.0166
Slightly volatile
Capex To Depreciation0.661.01.0387
Slightly volatile
PB Ratio1.580.82310.9655
Very volatile
EV To Sales4.875.17315.2558
Very volatile
Free Cash Flow Per Share4.013.81912.6649
Slightly volatile
Net Income Per Share0.990.81051.4096
Slightly volatile
Sales General And Administrative To Revenue0.30.51140.4272
Very volatile
Capex To Revenue0.03640.05460.0624
Slightly volatile
Cash Per Share38.5236.687830.5087
Pretty Stable
POCF Ratio6.576.2586.9534
Slightly volatile
Payout Ratio1.281.22370.4777
Slightly volatile
Capex To Operating Cash Flow0.130.13960.1594
Slightly volatile
PFCF Ratio5.956.2588.2526
Slightly volatile
Income Quality4.954.71192.307
Slightly volatile
ROE0.02650.02790.0689
Slightly volatile
EV To Operating Cash Flow9.649.177112.7635
Slightly volatile
PE Ratio30.9629.487215.1759
Slightly volatile
Return On Tangible Assets0.00280.00290.0077
Slightly volatile
EV To Free Cash Flow15.829.177115.7226
Slightly volatile
Earnings Yield0.03220.03390.0758
Pretty Stable
Intangibles To Total Assets0.04110.02640.0357
Pretty Stable
Net Debt To EBITDA7.357.07.9865
Slightly volatile
Current Ratio3.623.8155.7853
Very volatile
Tangible Book Value Per Share23.9722.831815.2037
Slightly volatile
Receivables Turnover10.326.135511.3354
Slightly volatile
Graham Number17.2723.011125.4552
Slightly volatile
Shareholders Equity Per Share30.4929.035521.8466
Slightly volatile
Debt To Equity0.580.61011.0098
Slightly volatile
Capex Per Share0.210.370.388
Pretty Stable
Revenue Per Share4.666.77526.3298
Slightly volatile
Interest Debt Per Share19.5424.793221.8219
Pretty Stable
Debt To Assets0.05940.06260.1084
Slightly volatile
Enterprise Value Over EBITDA13.6913.0416.1455
Slightly volatile
Short Term Coverage Ratios0.930.46422.4885
Pretty Stable
Price Earnings Ratio30.9629.487215.1759
Slightly volatile
Operating Cycle35.1459.489634.2968
Slightly volatile
Price Book Value Ratio1.580.82310.9655
Very volatile
Dividend Payout Ratio1.281.22370.4777
Slightly volatile
Price To Operating Cash Flows Ratio6.576.2586.9534
Slightly volatile
Price To Free Cash Flows Ratio5.956.2588.2526
Slightly volatile
Pretax Profit Margin0.120.13060.2743
Pretty Stable
Effective Tax Rate0.07990.08410.215
Slightly volatile
Company Equity Multiplier11.59.75269.4205
Very volatile
Long Term Debt To Capitalization0.250.24620.3732
Pretty Stable
Total Debt To Capitalization0.640.37890.502
Slightly volatile
Debt Equity Ratio0.580.61011.0098
Slightly volatile
Quick Ratio3.623.8158.4133
Very volatile
Dividend Paid And Capex Coverage Ratio2.193.85042.9282
Pretty Stable
Net Income Per E B T0.560.91590.7625
Slightly volatile
Cash Ratio0.680.723.8738
Pretty Stable
Cash Conversion Cycle35.1459.489634.2968
Slightly volatile
Operating Cash Flow Sales Ratio0.310.56370.4351
Slightly volatile
Days Of Sales Outstanding35.1459.489634.2968
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio1.530.990.8893
Slightly volatile
Cash Flow Coverage Ratios0.230.21560.1573
Slightly volatile
Price To Book Ratio1.580.82310.9655
Very volatile
Fixed Asset Turnover4.182.71543.2575
Slightly volatile
Capital Expenditure Coverage Ratio12.368.247.5946
Slightly volatile
Price Cash Flow Ratio6.576.2586.9534
Slightly volatile
Enterprise Value Multiple13.6913.0416.1455
Slightly volatile
Debt Ratio0.05940.06260.1084
Slightly volatile
Cash Flow To Debt Ratio0.230.21560.1573
Slightly volatile
Price Sales Ratio2.593.52762.8736
Slightly volatile
Return On Assets0.00270.00290.0074
Slightly volatile
Asset Turnover0.04620.02390.0359
Slightly volatile
Net Profit Margin0.110.11960.2125
Very volatile
Gross Profit Margin1.191.861.5641
Slightly volatile
Price Fair Value1.580.82310.9655
Very volatile
Return On Equity0.02650.02790.0689
Slightly volatile

Associated Banc Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market CapB3.8 B3.9 B
Slightly volatile
Enterprise Value3.6 B3.5 B3.6 B
Slightly volatile

Associated Fundamental Market Drivers

Forward Price Earnings9.0744
Cash And Short Term Investments5.1 B

Associated Upcoming Events

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

About Associated Banc Financial Statements

Associated Banc stakeholders use historical fundamental indicators, such as Associated Banc's revenue or net income, to determine how well the company is positioned to perform in the future. Although Associated Banc investors may analyze each financial statement separately, they are all interrelated. For example, changes in Associated Banc's assets and liabilities are reflected in the revenues and expenses on Associated Banc's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Associated Banc Corp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total RevenueB835.6 M
Cost Of Revenue-1.1 B-1 B
Stock Based Compensation To Revenue 0.03  0.03 
Sales General And Administrative To Revenue 0.51  0.30 
Capex To Revenue 0.05  0.04 
Revenue Per Share 6.78  4.66 
Ebit Per Revenue(1.27)(1.21)

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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 the analysis of Associated Banc Correlation against competitors.
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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
0.89
Earnings Share
0.72
Revenue Per Share
6.272
Quarterly Revenue Growth
(0.54)
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.
Please note, there is a significant difference between Associated Banc's value and its price as these two are different measures arrived at by different 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.