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Associated Banc-Corp

Associated Banc-Corp

ASB-PE · NYSE · Financial Services / Banks - Regional

17.77USD-0.09 (-0.48%)

Price History

Full chart

Market Stats

Previous Close17.85
Open17.72
Day Range17.72 – 17.84
52-Week Range18.61 – 21.01
Volume7.20K
Market Cap2.70B
P/E (TTM)9.05
Forward P/E0.00
EPS2.07
Dividend Yield7.85%
Beta0.77
50-Day Avg19.78
200-Day Avg20.67

About

Associated Banc-Corp, a bank holding company, provides various banking and nonbanking products and services to individuals and businesses in Wisconsin, Illinois, Missouri, Texas, and Minnesota. It 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. The company 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, it 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Andrew John Harmening
  • Employees4.13K
  • Headquarters433 Main Street, Green Bay, WI, United States, 54301, USA
  • Websitehttps://www.associatedbank.com

Leadership

  • Mr. Andrew John HarmeningPresident, CEO & Director · b. 1969
  • Mr. Derek S. MeyerExecutive VP & CFO · b. 1968
  • Mr. Randall J. Erickson J.D.Executive VP, General Counsel & Corporate Secretary · b. 1959
  • Mr. Julio N. MansoExecutive VP & CHRO · b. 1968
  • Mr. John Anthony UtzExecutive VP and Head of Specialized Industries & Milwaukee Market President · b. 1968
  • Mr. Ryan J. BeldCorporate Controller & Chief Accounting Officer · b. 1990
  • Mr. Terry Lynn WilliamsExecutive VP & Chief Information Officer · b. 1960
  • Mr. Ben McCarvilleSenior VP & Director of Investor Relations
  • Mr. Anthony Philip PecoraSenior VP, Director of Compliance & Associated Investment Services
  • Andrea KozekVP & Public Relations Senior Manager

Financials

Income Statement

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue---180.70M190.60M195.00M255.20M249.10M258.80M801.90M848.10M882.80M953.70M980.70M1.12B1.08B1.01B973.80M977.37M1.39B1.57B1.62B1.41B1.33B1.14B1.01B1.03B1.02B1.03B1.08B1.14B1.21B1.50B1.54B1.41B1.12B1.42B1.96B2.10B2.46B
Growth (%)----+5.48%+2.31%+30.87%-2.39%+3.89%+209.85%+5.76%+4.09%+8.03%+2.83%+13.73%-3.51%-5.93%-3.81%+0.37%+41.72%+13.70%+2.90%-12.84%-5.67%-14.31%-11.11%+1.66%-0.92%+0.54%+5.39%+5.67%+5.90%+23.95%+2.81%-8.92%-20.29%+26.78%+37.73%+7.50%+16.83%
Cost of Revenue---96.70M99.50M92.80M101.40M82.40M82.50M374.50M389.70M443.30M425.80M438.20M567.80M486.85M341.54M263.42M229.16M434.79M628.89M666.41M632.62M1.01B562.36M180.79M102.39M73.54M71.78M114.88M154.29M171.38M274.56M352.94M323.89M-15.68M220.93M-860.71M1.16B1.03B
Gross Profit---84.00M91.10M102.20M153.80M166.70M176.30M427.40M458.40M439.50M527.90M542.50M547.56M589.38M670.88M710.38M748.21M950.32M945.99M954.09M779.74M326.32M579.23M833.95M929.18M948.54M955.83M968.13M990.16M1.04B1.23B1.19B1.08B1.14B1.20B1.96B944.38M1.43B
Gross Margin---46.49%47.80%52.41%60.27%66.92%68.12%53.30%54.05%49.78%55.35%55.32%49.09%54.76%66.26%72.95%76.55%68.61%60.07%58.88%55.21%24.49%50.74%82.18%90.07%92.80%93.02%89.39%86.52%85.86%81.72%77.15%76.98%101.40%84.46%100.00%44.87%58.29%
Operating Expense---61.10M64.60M72.60M109.00M111.90M113.80M253.00M293.20M323.20M295.00M305.20M317.74M338.37M374.55M388.67M377.87M480.46M496.21M534.89M557.46M611.42M620.26M650.52M674.72M680.65M679.78M698.35M702.56M701.84M814.39M785.13M755.99M700.74M741.14M1.75B809.92M855.64M
Operating Income13.20M13.30M15.10M22.90M26.50M29.60M44.80M54.80M62.50M174.40M165.20M116.30M232.90M237.30M229.82M251.01M296.33M321.72M370.34M469.86M449.78M419.19M222.28M-285.10M-41.03M183.43M254.46M267.89M276.05M269.79M287.60M338.77M413.35M406.51M326.97M436.31M459.63M206.05M134.46M577.91M
Operating Margin---12.67%13.90%15.18%17.55%22.00%24.15%21.75%19.48%13.17%24.42%24.20%20.61%23.32%29.27%33.04%37.89%33.92%28.56%25.87%15.74%-21.40%-3.59%18.08%24.67%26.21%26.86%24.91%25.13%27.95%27.51%26.32%23.24%38.91%32.33%10.52%6.39%23.50%
EBITDA13.20M13.30M15.10M26.70M30.30M33.70M51.00M61.60M69.80M199.20M186.90M141.40M255.60M278.10M269.47M301.29M315.02M389.45M409.01M552.50M515.15M473.75M257.49M-248.93M79.66M313.27M380.71M382.10M369.29M371.46M394.06M435.25M490.98M510.61M435.42M506.75M528.51M206.05M236.97M680.05M
EBITDA Margin---14.78%15.90%17.28%19.98%24.73%26.97%24.84%22.04%16.02%26.80%28.36%24.16%28.00%31.12%39.99%41.85%39.89%32.71%29.23%18.23%-18.69%6.98%30.87%36.91%37.38%35.94%34.30%34.43%35.91%32.68%33.06%30.95%45.19%37.17%10.52%11.26%27.65%
Net Income13.20M13.30M15.10M17.30M19.20M21.30M31.60M36.20M40.40M112.00M107.00M52.40M157.00M164.90M167.98M179.52M210.72M228.66M258.29M320.16M316.64M285.75M168.45M-131.86M-856.00K139.70M178.97M188.69M190.51M188.30M200.27M229.26M333.56M326.79M306.77M350.99M366.12M182.96M123.14M474.78M
Net Income Margin---9.57%10.07%10.92%12.38%14.53%15.61%13.97%12.62%5.94%16.46%16.81%15.06%16.68%20.81%23.48%26.43%23.11%20.11%17.63%11.93%-9.90%-0.07%13.77%17.35%18.46%18.54%17.39%17.50%18.92%22.20%21.16%21.81%31.30%25.75%9.34%5.85%19.31%
R&D-----------------------------0000-------
R&D as % of Total Revenue-----------------------------0.00%0.00%0.00%0.00%-------
Interest Expense00093.60M96.30M87.80M95.20M76.90M79.70M360.50M376.00M411.60M411.10M418.80M547.59M458.64M290.84M216.60M214.50M421.77M609.83M631.90M430.56M255.25M172.35M128.79M92.29M63.44M55.78M77.38M84.30M145.38M274.56M336.94M149.88M72.33M187.93M918.48M1.08B971.61M
Interest Expense % of Total Revenue---51.80%50.52%45.03%37.30%30.87%30.80%44.96%44.33%46.62%43.11%42.70%49.10%42.62%28.73%22.24%21.95%30.45%38.72%38.99%30.49%19.16%15.10%12.69%8.95%6.21%5.43%7.15%7.37%12.00%18.28%21.81%10.65%6.45%13.22%46.91%51.09%39.51%

Balance Sheet

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets---1.75B1.87B2.10B2.88B2.98B3.28B3.70B10.12B10.69B11.25B12.52B13.13B13.60B15.04B15.25B20.52B22.10B20.86B21.59B24.19B22.87B21.79B21.92B23.53B24.23B26.82B27.72B29.14B30.48B33.65B32.39B33.42B35.10B39.41B41.02B43.02B45.20B
Total Liabilities---1.63B1.73B1.94B2.66B2.72B3.01B3.37B9.32B9.88B10.37B11.61B12.16B12.53B13.77B13.72B18.50B19.78B18.62B19.26B21.32B20.14B18.63B19.06B20.60B21.34B24.02B24.78B26.05B27.25B29.87B28.46B29.33B31.08B35.39B36.84B38.42B40.23B
Total Equity---126.10M138.60M158.10M221.90M257.00M274.60M325.60M803.60M813.70M878.70M909.80M968.70M1.07B1.27B1.35B2.02B2.32B2.25B2.33B2.88B2.74B3.16B2.87B2.94B2.89B2.80B2.94B3.09B3.24B3.78B3.92B4.09B4.02B4.02B4.17B4.61B4.98B
Cash---137.00M121.10M135.00M190.60M157.60M196.70M207.20M373.00M295.20M532.00M289.10M373.21M593.42M445.01M399.86M402.63M474.48M468.85M564.70M545.99M796.91M865.61M609.52M710.74M581.50M1.02B454.69M595.73M683.37M728.41M581.00M716.05M1.03B593.64M909.47M997.65M574.70M
Total Debt---233.70M259.10M255.20M260.40M268.40M319.90M364.90M1.23B1.35B1.70B2.80B2.72B3.75B4.30B3.78B5.53B6.01B4.11B5.09B5.57B3.18B3.16B3.69B2.67B3.40B4.54B3.12B3.40B3.82B4.53B4.20B2.43B2.15B5.17B2.81B3.16B4.17B
Net Debt---96.70M138.00M120.20M69.80M110.80M123.20M157.70M861.70M1.06B1.17B2.51B2.35B3.15B3.85B3.38B5.13B5.54B3.64B4.53B5.02B2.38B2.30B3.08B1.88B2.77B3.49B2.63B2.75B3.07B3.80B3.61B1.72B879.59M4.58B1.90B2.16B3.60B

Cash Flow

Currency: USD1989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow23.40M26.30M4.40M60.00M38.70M94.30M129.80M174.20M150.80M138.60M270.10M189.15M-409.00K298.58M496.80M358.32M328.39M330.16M291.38M437.86M121.76M509.42M309.79M350.48M477.96M199.51M301.21M641.38M458.37M496.57M574.26M550.02M529.55M846.57M442.74M580.25M615.69M
Investing Cash Flow-61.80M-132.50M-135.00M-59.50M-47.60M-137.00M-193.00M-519.70M-616.60M-182.90M-996.30M-474.48M-28.78M-534.85M-551.03M-1.27B20.01M1.20B-245.62M-2.48B1.03B616.77M-472.54M-1.63B-1.25B-2.12B-1.53B-1.65B-1.40B-380.87M1.62B-793.74M-1.58B-5.25B-1.44B-2.22B-1.62B
Financing Cash Flow54.90M99.20M143.30M-800.00K-29.80M81.80M96.50M377.60M385.90M274.10M503.90M367.68M238.10M75.84M9.08M968.18M-314.18M-1.54B59.36M2.03B-897.98M-1.08B-88.82M1.40B639.65M2.35B674.23M1.18B1.01B44.98M-2.48B371.02M1.36B4.00B1.30B1.73B1.71B
Capital Expenditure7.40M5.20M3.80M4.00M4.80M6.80M7.70M27.50M11.80M30.30M20.50M11.83M7.70M12.86M13.29M14.96M15.91M18.15M34.81M31.47M22.79M34.59M76.65M83.97M67.72M50.40M54.64M103.88M47.37M65.85M67.46M54.88M52.28M62.71M61.81M44.99M36.37M
Free Cash Flow16.00M21.10M600.00K56.00M33.90M87.50M122.10M146.70M139.00M108.30M249.60M177.32M-8.11M285.72M483.51M343.35M312.48M312.01M256.56M406.38M98.97M474.83M233.14M266.51M410.24M149.11M246.57M537.50M411.00M430.71M506.80M495.14M477.27M783.86M380.93M535.26M579.32M
Dividends Paid4.80M5.70M6.50M8.60M11.70M13.40M31.10M39.60M49.30M65.80M73.70M75.72M80.55M90.17M98.17M112.56M138.97M151.24M155.81M162.35M86.60M33.20M21.20M44.83M60.15M63.71M69.56M76.76M85.76M116.30M127.01M130.38M133.17M134.64M141.03M150.70M167.27M
FCF to OCF68.38%80.23%13.64%93.33%87.60%92.79%94.07%84.21%92.18%78.14%92.41%93.75%1983.13%95.69%97.32%95.82%95.15%94.50%88.05%92.81%81.28%93.21%75.26%76.04%85.83%74.74%81.86%83.80%89.67%86.74%88.25%90.02%90.13%92.59%86.04%92.25%94.09%
Dividend Paid to FCF30.00%27.01%1083.33%15.36%34.51%15.31%25.47%26.99%35.47%60.76%29.53%42.70%-993.13%31.56%20.30%32.78%44.47%48.47%60.73%39.95%87.50%6.99%9.09%16.82%14.66%42.73%28.21%14.28%20.87%27.00%25.06%26.33%27.90%17.18%37.02%28.15%28.87%

Earnings

Report DateJul 19, 1995Oct 19, 1995Jan 18, 1996Apr 17, 1996Jul 17, 1996Oct 16, 1996Jan 22, 1997Apr 16, 1997Jul 17, 1997Oct 16, 1997Jan 23, 1998Apr 16, 1998Jul 16, 1998Oct 22, 1998Jan 21, 1999Apr 22, 1999Jul 22, 1999Oct 20, 1999Jan 20, 2000Apr 20, 2000Jul 20, 2000Oct 19, 2000Jan 18, 2001Apr 19, 2001Jul 19, 2001Oct 18, 2001Jan 17, 2002Apr 18, 2002Jul 18, 2002Oct 17, 2002Jan 16, 2003Apr 17, 2003Jul 17, 2003Oct 16, 2003Jan 22, 2004Apr 22, 2004Jul 22, 2004Oct 19, 2004Jan 20, 2005Apr 21, 2005Jul 21, 2005Oct 20, 2005Jan 19, 2006Apr 20, 2006Jul 20, 2006Oct 19, 2006Jan 18, 2007Apr 19, 2007Jul 19, 2007Oct 18, 2007Jan 17, 2008Apr 17, 2008Jul 14, 2008Oct 16, 2008Jan 22, 2009Apr 16, 2009Jul 16, 2009Oct 22, 2009Jan 11, 2010Apr 22, 2010Jul 22, 2010Oct 21, 2010Jan 20, 2011Apr 21, 2011Jul 21, 2011Oct 20, 2011Jan 19, 2012Apr 19, 2012Jul 19, 2012Oct 18, 2012Jan 17, 2013Apr 18, 2013Jul 18, 2013Oct 17, 2013Jan 16, 2014Apr 17, 2014Jul 17, 2014Oct 16, 2014Jan 22, 2015Apr 16, 2015Jul 16, 2015Oct 15, 2015Jan 21, 2016Apr 21, 2016Jul 21, 2016Oct 20, 2016Jan 19, 2017Apr 20, 2017Jul 20, 2017Oct 19, 2017Jan 25, 2018Apr 19, 2018Jul 19, 2018Oct 18, 2018Jan 24, 2019Apr 25, 2019Jul 25, 2019Oct 24, 2019Jan 23, 2020Apr 23, 2020Jul 23, 2020
EPS Estimate0.260.260.280.280.290.290.300.300.300.310.320.330.340.340.340.320.340.350.360.360.370.360.360.370.390.400.400.440.450.460.470.480.500.500.490.510.530.560.560.570.590.620.630.610.600.600.590.560.560.550.550.480.470.360.320.25-0.24-0.080.03-0.19-0.160.000.050.080.130.200.230.230.240.250.260.250.260.260.280.250.280.290.300.290.310.300.270.280.310.320.320.320.360.360.380.410.480.490.490.500.490.470.420.100.31
EPS Actual0.250.270.280.270.280.290.300.290.300.320.310.340.360.330.330.340.340.360.380.370.380.370.360.380.420.410.420.460.450.470.470.510.510.530.500.530.580.570.570.590.600.630.640.600.630.580.570.570.590.560.510.520.370.300.110.28-0.190.07-1.41-0.20-0.060.040.040.090.150.200.230.240.240.260.260.270.280.270.280.270.280.310.310.300.310.310.270.270.310.340.340.350.360.410.410.500.530.490.500.500.520.510.450.270.94
Surprise-3.85%3.85%0.00%-3.57%-3.45%0.00%0.00%-3.33%0.00%3.23%-3.13%3.03%5.88%-2.94%-2.94%6.25%0.00%2.86%5.56%2.78%2.70%2.78%0.00%2.70%7.69%2.50%5.00%4.55%0.00%2.17%0.00%6.25%2.00%6.00%2.04%3.92%9.43%1.79%1.79%3.51%1.69%1.61%1.59%-1.64%5.00%-3.33%-3.39%1.79%5.36%1.82%-7.27%8.33%-21.28%-16.67%-65.63%12.00%20.83%187.50%-4800.00%-5.26%62.50%--20.00%12.50%15.38%0.00%0.00%4.35%0.00%4.00%0.00%8.00%7.69%3.85%0.00%8.00%0.00%6.90%3.33%3.45%0.00%3.33%0.00%-3.57%0.00%6.25%6.25%9.38%0.00%13.89%7.89%21.95%10.42%0.00%2.04%0.00%6.12%8.51%7.14%170.00%203.23%
Timing-----------------------------------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap2.70B
Enterprise Value7.57B
Trailing P/E9.05
Forward P/E0.00
Price / Sales1.83
Price / Book0.00
EPS2.07
Book Value29.22
Revenue (TTM)1.56B
Gross Profit (TTM)1.56B
Profit Margin32.46%
Operating Margin41.34%
Return on Equity9.69%
Return on Assets1.05%
Shares Outstanding163.78M
Shares Float160.91M
Beta0.77
Dividend Yield7.85%
Dividend Rate1.47
Payout Ratio0.00%

Ownership Breakdown

Institutions
0.00%
Insiders
0.00%
Retail / Other
100.00%

Top Institutional Holders

  • Golden State Equity Partners
    70.00%

Dividends

20263×
0.37Sep 1, 20260.37Jun 1, 20260.37Mar 2, 2026
20254×
0.37Dec 1, 20250.37Sep 2, 20250.37Jun 2, 20250.37Mar 3, 2025
20244×
0.37Dec 2, 20240.37Sep 3, 20240.37Jun 3, 20240.37Feb 29, 2024
20234×
0.37Nov 30, 20230.37Aug 31, 20230.37May 31, 20230.37Feb 28, 2023
20224×
0.37Nov 30, 20220.37Aug 31, 20220.37May 31, 20220.37Feb 28, 2022
20214×
0.37Nov 30, 20210.37Aug 31, 20210.37May 28, 20210.37Feb 26, 2021
20201×
0.37Nov 30, 2020