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Market Price

13.40 

0.30 2.3%

as of Jun 04 '20

52 Week Range:

10.40 20.20


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Associated Banc-Corp, a bank holding company, provides various banking and nonbanking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. Its Corporate and Commercial Specialty segment offers 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; and lending solutions, including commercial loans and lines of credit, commercial real estate financing, construction loans, letters of credit, leasing, asset based lending, and loan syndications. This segment also provides specialized financial services comprising interest rate risk management, foreign exchange solutions, and commodity hedging. The company's Community, Consumer, and Business segment offers checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; savings, money market deposit accounts, IRA accounts, certificates of deposit, and fixed and variable annuities, as well as full-service, discount, and online investment brokerage; investment advisory services; trust and investment management accounts; and insurance and other related products and services. This segment also engages in the administration of pension, profit-sharing and other employee benefit plans, fiduciary and corporate agency services, and institutional asset management services. Its Risk Management and Shared Services segment provides corporate risk management, credit administration, finance, treasury, operations, and technology services. As of December 31, 2019, the company operated 248 banking branches serving over 120 communities. Associated Banc-Corp was founded in 1861 and is headquartered in Green Bay, Wisconsin.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 13.11
11.69
12.33
12.80
12.45
15.25
17.14
18.26
16.68
18.84
20.85
growth rate -10.8% 5.5% 3.8% -2.7% 22.5% 12.4% 6.5% -8.7% 13.0% 10.7%
Earnings BIT -214.17
-30.82
137.79
191.15
201.24
314.05
321.56
390.13
growth rate 0.0% 100.0% 38.7% 5.3% 24.9% 2.4% 21.3%
Avg.PE -5.70
-43.60
16.89
12.94
15.72
7.97
7.97
18.88
14.37
9.97
9.44
growth rate 0.0% 100.0% -23.4% 21.5% -49.3% 0.0% 136.9% -23.9% -30.6% -5.3%
ROA -0.69
-0.14
0.53
0.76
0.76
0.72
0.66
0.67
0.73
1.01
0.94
growth rate 0.0% 100.0% 43.4% 0.0% -5.3% -8.3% 1.5% 9.0% 38.4% -6.9%
ROE -7.02
-1.25
4.22
6.10
6.39
6.60
6.45
6.59
7.27
9.78
8.67
growth rate 0.0% 100.0% 44.6% 4.8% 3.3% -2.3% 2.2% 10.3% 34.5% -11.4%
ROIC 0.07
1.46
3.46
3.76
3.68
3.34
growth rate 1,985.7% 137.0% 8.7% -2.1% -9.2%
Leverage 10.27
8.24
7.82
8.18
8.56
9.79
9.84
9.94
9.91
9.55
8.84
growth rate -19.8% -5.1% 4.6% 4.7% 14.4% 0.5% 1.0% -0.3% -3.6% -7.4%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Payable 18,763.50
21,007.67
21,888.45
22,785.96
24,897.39
23,779.06
growth rate 12.0% 4.2% 4.1% 9.3% -4.5%
Cur.Assets 1,246.90
649.44
838.50
893.98
1,059.21
871.43
growth rate -47.9% 29.1% 6.6% 18.5% -17.7%
Total Assets 17,183.02
16,365.34
16,469.46
17,643.96
18,199.25
26,821.77
27,711.84
29,139.32
30,483.59
33,615.12
32,386.48
growth rate -4.8% 0.6% 7.1% 3.2% 47.4% 3.3% 5.2% 4.6% 10.3% -3.7%
Cash 598.63
650.24
457.86
533.88
436.82
1,032.07
473.69
642.23
643.04
782.78
400.23
growth rate 8.6% -29.6% 16.6% -18.2% 136.3% -54.1% 35.6% 0.1% 21.7% -48.9%
Inventory 16.73
14.57
17.69
20.03
11.98
27.11
growth rate -12.9% 21.4% 13.2% -40.2% 126.2%
Cur.Liabilities 20,031.03
22,043.14
23,227.62
25,946.27
27,650.19
26,715.40
growth rate 10.0% 5.4% 11.7% 6.6% -3.4%
Liabilities 15,125.79
13,992.45
14,316.67
15,438.14
16,027.30
24,021.52
24,774.59
26,048.00
27,246.15
29,834.23
28,464.35
growth rate -7.5% 2.3% 7.8% 3.8% 49.9% 3.1% 5.1% 4.6% 9.5% -4.6%
LT Debt 1,509.16
1,509.91
1,510.66
1,511.41
1,512.17
3,965.49
2,707.05
2,794.98
1,275.49
2,160.05
1,686.12
growth rate 0.1% 0.1% 0.1% 0.1% 162.2% -31.7% 3.3% -54.4% 69.4% -21.9%
Equity 2,057.24
2,372.89
2,152.79
2,205.82
2,171.94
2,740.52
2,815.87
2,931.38
3,077.51
3,524.17
3,665.41
growth rate 15.3% -9.3% 2.5% -1.5% 26.2% 2.8% 4.1% 5.0% 14.5% 4.0%
Common Shares 128.00
171.00
173.00
172.00
166.00
158.00
151.00
150.00
154.00
170.00
162.00
growth rate 33.6% 1.2% -0.6% -3.5% -4.8% -4.4% -0.7% 2.7% 10.4% -4.7%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 17.13
25.99
57.54
63.10
50.86
50.40
54.64
103.88
47.37
65.85
67.46
growth rate 51.8% 121.4% 9.7% -19.4% -0.9% 8.4% 90.1% -54.4% 39.0% 2.4%
Cash Dividends 65.05
24.94
15.93
33.65
45.15
63.71
69.56
76.76
85.76
116.30
127.01
growth rate -61.7% -36.1% 111.3% 34.2% 41.1% 9.2% 10.4% 11.7% 35.6% 9.2%
Cash From OA 91.50
382.66
232.72
263.30
366.06
199.51
301.21
641.38
458.37
496.57
574.26
growth rate 318.2% -39.2% 13.1% 39.0% -45.5% 51.0% 112.9% -28.5% 8.3% 15.7%
FCF per Share 0.79
1.61
1.46
1.30
1.43
0.98
1.63
2.38
2.64
2.04
3.22
growth rate 103.8% -9.3% -11.0% 10.0% -31.5% 66.3% 46.0% 10.9% -22.7% 57.8%
Sale Purchase of Stock 13.23
20.05
21.75
27.62
growth rate 51.6% 8.5% 27.0%
FCF 99.00
471.00
233.00
267.00
420.00
162.00
247.00
525.00
411.00
431.00
507.00
growth rate 375.8% -50.5% 14.6% 57.3% -61.4% 52.5% 112.6% -21.7% 4.9% 17.6%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 809.04
735.65
665.56
705.60
720.10
955.83
968.14
990.16
1,047.90
1,235.15
1,200.50
growth rate -9.1% -9.5% 6.0% 2.1% 32.7% 1.3% 2.3% 5.8% 17.9% -2.8%
Op.Income -214.17
-30.80
137.77
191.18
201.25
310.82
304.32
329.28
379.32
487.92
448.89
growth rate 0.0% 100.0% 38.8% 5.3% 54.5% -2.1% 8.2% 15.2% 28.6% -8.0%
IBT -285.10
-41.03
183.43
254.46
276.05
269.79
287.60
338.77
413.35
406.51
growth rate 0.0% 100.0% 38.7% 4.2% -2.3% 6.6% 17.8% 22.0% -1.7%
Net Income -99.08
-0.68
104.94
134.46
141.75
190.51
188.30
200.27
229.26
333.56
326.79
growth rate 0.0% 100.0% 28.1% 5.4% 34.4% -1.2% 6.4% 14.5% 45.5% -2.0%
EPS -1.26
-0.18
0.66
1.00
1.10
1.16
1.19
1.26
1.42
1.89
1.91
growth rate 0.0% 100.0% 51.5% 10.0% 5.5% 2.6% 5.9% 12.7% 33.1% 1.1%
Gross Profit 955.83
968.14
990.16
1,047.90
1,235.15
1,200.50
growth rate 1.3% 2.3% 5.8% 17.9% -2.8%

Quarterly Statements

Item Name Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Earnings BIT
growth rate
Balance Sheet Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Acct.Payable 25,533.06
25,274.22
24,422.56
23,779.06
25,661.58
growth rate -1.0% -3.4% -2.6% 7.9%
Cur.Assets 836.60
823.25
1,065.49
871.43
1,166.47
growth rate -1.6% 29.4% -18.2% 33.9%
Total Assets 33,700.87
33,272.63
32,596.46
32,386.48
33,908.06
growth rate -1.3% -2.0% -0.6% 4.7%
Cash 489.10
403.69
562.80
400.23
502.79
growth rate -17.5% 39.4% -28.9% 25.6%
Inventory 12.29
18.36
25.63
27.11
28.53
growth rate 49.4% 39.6% 5.8% 5.3%
Cur.Liabilities 28,472.34
28,441.68
27,538.66
26,715.40
26,353.75
growth rate -0.1% -3.2% -3.0% -1.4%
Liabilities 29,865.00
29,372.83
28,675.61
28,464.35
30,117.59
growth rate -1.7% -2.4% -0.7% 5.8%
LT Debt 1,313.31
863.44
1,066.09
1,686.12
3,763.84
growth rate -34.3% 23.5% 58.2% 123.2%
Equity 3,579.15
3,643.08
3,664.14
3,665.41
3,533.76
growth rate 1.8% 0.6% 0.0% -3.6%
Common Shares 1.75
1.75
1.75
1.75
3,533.76
growth rate 0.0% 0.0% 0.0% 201,598.3%
Cash Flow Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Capital Expenditures 13.37
17.24
19.78
17.07
growth rate 29.0% 14.7% -13.7%
Cash Dividends 31.98
31.58
31.09
32.36
growth rate -1.3% -1.5% 4.1%
Cash From OA -13.60
84.07
399.52
104.27
growth rate 100.0% 375.2% -73.9%
Sale Purchase of Stock
growth rate
FCF -26.97
66.83
379.74
87.20
growth rate 100.0% 468.2% -77.0%
Income Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Sales 300.75
301.46
305.22
293.08
257.34
growth rate 0.2% 1.3% -4.0% -12.2%
Op.Income 116.25
115.16
114.24
100.77
78.31
growth rate -0.9% -0.8% -11.8% -22.3%
IBT 109.08
103.68
104.29
89.47
56.06
growth rate -5.0% 0.6% -14.2% -37.3%
Net Income 86.69
84.66
83.34
72.10
45.84
growth rate -2.3% -1.6% -13.5% -36.4%
EPS
growth rate
Gross Profit 300.75
301.46
305.22
293.08
257.34
growth rate 0.2% 1.3% -4.0% -12.2%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (58.96)

YOY Growth Grade:

D (38.44)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 6.73 6.73 14.61
EPS / Growth 1.99

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.8% 6.8% 6.8%
Future PE 6.73 11.65 11.65
Future EPS 3.85 3.85 3.85
Value Price
MOS %
6.40
-52.2%
11.08
-17.3%
11.08
-17.3%
MOS Price 3.20 5.54 5.54
IRT 5.41 5.41 5.41

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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