ASBA
Financial ServicesAssociated Banc-Corp · Banks - Regional · $4B
What is Associated Banc-Corp?
Associated Banc-Corp is a Midwest-focused bank holding company serving individuals and businesses across Wisconsin, Illinois, and Minnesota.
The company provides commercial lending, deposit products, cash management, mortgage solutions, and wealth management services. Revenue comes from interest income on loans and fees from banking and financial services delivered through its three operating segments.
Is ASBA a Good Stock to Buy?
UQS Score rates ASBA as Good overall, with Attractive valuation and Good marks on both Quality and Growth.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
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Pro Analysis
ASBA — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Aug 17, 2026 | 41.5 | 46.7 | 24.0 | 20.5 | 57.5 | 74.4 | -18.0 |
| Jul 31, 2026 | 59.5 | 72.3 | 24.0 | 72.4 | 57.5 | 82.3 | +0.1 |
| Jul 26, 2026 | 59.4 | 72.3 | 24.0 | 70.5 | 57.5 | 83.9 | +12.4 |
| Jul 25, 2026 | 47.0 | 35.7 | 24.0 | 70.5 | 36.4 | 83.8 | -0.1 |
| Jul 24, 2026 | 47.1 | 35.7 | 24.0 | 70.1 | 36.4 | 84.5 | -12.9 |
| Jul 23, 2026 | 60.0 | 72.9 | 24.0 | 70.1 | 60.3 | 84.9 | +0.3 |
| Jul 21, 2026 | 59.7 | 72.9 | 24.0 | 69.1 | 60.3 | 84.4 | +0.3 |
| Jul 18, 2026 | 59.4 | 72.9 | 24.0 | 69.1 | 60.3 | 82.1 | +0.1 |
| Jul 17, 2026 | 59.3 | 72.9 | 24.0 | 69.1 | 60.3 | 81.6 | -0.2 |
| Jul 16, 2026 | 59.5 | 72.9 | 24.0 | 69.1 | 60.3 | 82.8 | 0.0 |
ASBA — Pillar Breakdown
Quality
— 46.7/100 (25%)Associated Banc-Corp has average quality metrics, with room for improvement in margins or capital efficiency.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 20.5/100 (20%)Associated Banc-Corp faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Analyst consensus for future revenue growth.
Risk
— 57.5/100 (15%)Associated Banc-Corp maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 75.3/100 (15%)Associated Banc-Corp appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)Associated Banc-Corp operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ASBA.
Score Composition
Financial Data
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How is the ASBA UQS Score Calculated?
The UQS (Unified Quality Score) for Associated Banc-Corp is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Associated Banc-Corp's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Associated Banc-Corp is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.