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Market Price

21.76 

0.33 1.5%

as of Apr 09 '21

52 Week Range:

11.13 23.95


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. The company operates through three segments: Corporate and Commercial Specialty; Community, Consumer, and Business; and Risk Management and Shared Services. Its Corporate and Commercial Specialty segment offers savings, money market deposit accounts, IRA accounts, and certificates of deposit; 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; administration of pension, profit-sharing and other employee benefit plans, fiduciary and corporate agency services, and institutional asset management; fixed and variable annuities, full-service, and discount and online investment brokerage; investment advisory services; and trust and investment management accounts. 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. As of December 31, 2020, the company operated 228 banking branches. 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 '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 15.21
15.96
16.87
17.12
18.53
18.73
19.31
19.91
21.53
23.31
24.04
growth rate 4.9% 5.7% 1.5% 8.2% 1.1% 3.1% 3.1% 8.1% 8.3% 3.1%
Earnings BIT -41.03
183.43
254.46
267.89
305.53
314.05
321.56
390.13
1,035.25
999.63
1,054.89
growth rate 100.0% 38.7% 5.3% 14.1% 2.8% 2.4% 21.3% 165.4% -3.4% 5.5%
Avg.PE -75.20
16.86
13.02
15.72
15.74
14.12
20.20
16.83
11.50
10.85
9.52
growth rate 100.0% -22.8% 20.7% 0.1% -10.3% 43.1% -16.7% -31.7% -5.7% -12.3%
ROA -0.14
0.53
0.76
0.76
0.72
0.66
0.67
0.73
1.01
0.94
0.88
growth rate 100.0% 43.4% 0.0% -5.3% -8.3% 1.5% 9.0% 38.4% -6.9% -6.4%
ROE -1.25
4.22
6.10
6.39
6.60
6.45
6.59
7.27
9.78
8.67
7.79
growth rate 100.0% 44.6% 4.8% 3.3% -2.3% 2.2% 10.3% 34.5% -11.4% -10.2%
ROIC 1.46
3.46
3.76
3.68
3.34
growth rate 137.0% 8.7% -2.1% -9.2%
Leverage 8.24
7.82
8.18
8.56
9.79
9.84
9.94
9.91
9.55
8.84
8.94
growth rate -5.1% 4.6% 4.7% 14.4% 0.5% 1.0% -0.3% -3.6% -7.4% 1.1%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Payable 196.17
192.84
193.80
18,763.50
21,007.67
21,888.45
22,785.96
24,897.39
23,779.06
26,482.48
growth rate -1.7% 0.5% 9,581.9% 12.0% 4.2% 4.1% 9.3% -4.5% 11.4%
Cur.Assets 1,246.90
649.44
838.50
893.98
1,059.21
962.63
1,169.28
growth rate -47.9% 29.1% 6.6% 18.5% -9.1% 21.5%
Total Assets 21,785.60
21,924.22
23,487.74
24,226.92
26,821.77
27,711.84
29,139.32
30,483.59
33,615.12
32,386.48
33,419.78
growth rate 0.6% 7.1% 3.2% 10.7% 3.3% 5.2% 4.6% 10.3% -3.7% 3.2%
Cash 865.60
5,818.52
5,941.99
6,253.02
1,032.07
473.69
642.23
643.04
782.78
400.23
716.05
growth rate 572.2% 2.1% 5.2% -83.5% -54.1% 35.6% 0.1% 21.7% -48.9% 78.9%
Inventory 16.73
14.57
17.69
20.03
11.98
27.11
14.27
growth rate -12.9% 21.4% 13.2% -40.2% 126.2% -47.4%
Cur.Liabilities 20,031.03
22,043.14
23,227.62
25,946.27
27,649.79
25,045.98
26,942.31
growth rate 10.0% 5.4% 11.7% 6.6% -9.4% 7.6%
Liabilities 18,626.80
19,058.42
20,551.34
21,335.63
24,021.52
24,774.59
26,048.00
27,246.15
29,834.23
28,464.36
29,328.85
growth rate 2.3% 7.8% 3.8% 12.6% 3.1% 5.1% 4.6% 9.5% -4.6% 3.0%
LT Debt 2,010.00
80.05
76.34
46.47
3,965.49
2,707.05
2,794.98
1,275.49
2,160.05
3,221.17
2,189.02
growth rate -96.0% -4.6% -39.1% 8,433.4% -31.7% 3.3% -54.4% 69.4% 49.1% -32.0%
Equity 3,158.80
2,865.79
2,936.40
2,891.29
2,740.52
2,815.87
2,931.38
3,077.51
3,524.17
3,665.41
3,737.42
growth rate -9.3% 2.5% -1.5% -5.2% 2.8% 4.1% 5.0% 14.5% 4.0% 2.0%
Common Shares 171.00
173.00
172.00
166.00
158.00
151.00
150.00
154.00
170.00
162.00
154.00
growth rate 1.2% -0.6% -3.5% -4.8% -4.4% -0.7% 2.7% 10.4% -4.7% -4.9%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 34.60
76.65
83.97
67.72
50.40
54.64
103.88
47.37
65.85
67.46
54.68
growth rate 121.5% 9.6% -19.4% -25.6% 8.4% 90.1% -54.4% 39.0% 2.4% -18.9%
Cash Dividends 33.20
21.20
44.83
60.15
63.71
69.56
76.76
85.76
116.30
127.01
130.38
growth rate -36.2% 111.5% 34.2% 5.9% 9.2% 10.4% 11.7% 35.6% 9.2% 2.7%
Cash From OA 509.40
309.79
350.48
477.96
199.51
301.21
641.38
458.37
496.57
574.26
550.02
growth rate -39.2% 13.1% 36.4% -58.3% 51.0% 112.9% -28.5% 8.3% 15.7% -4.2%
FCF per Share 2.75
1.89
1.55
1.97
1.20
1.78
2.52
3.16
2.33
3.60
3.07
growth rate -31.3% -18.0% 27.1% -39.1% 48.3% 41.6% 25.4% -26.3% 54.5% -14.7%
Sale Purchase of Stock -462.39
-61.65
-115.67
13.23
20.05
21.75
27.62
growth rate 0.0% 0.0% 100.0% 51.6% 8.5% 27.0%
FCF 471.00
233.00
267.00
420.00
162.00
247.00
525.00
411.00
431.00
507.00
495.00
growth rate -50.5% 14.6% 57.3% -61.4% 52.5% 112.6% -21.7% 4.9% 17.6% -2.4%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 979.30
1,014.74
1,031.57
1,022.08
955.83
968.14
990.16
1,047.90
1,234.60
1,200.56
1,120.71
growth rate 3.6% 1.7% -0.9% -6.5% 1.3% 2.3% 5.8% 17.8% -2.8% -6.7%
Op.Income -41.00
139.70
178.97
188.69
310.82
304.32
329.28
379.32
487.37
448.95
444.91
growth rate 100.0% 28.1% 5.4% 64.7% -2.1% 8.2% 15.2% 28.5% -7.9% -0.9%
IBT -41.03
183.43
254.46
267.89
276.05
269.79
287.60
338.77
413.35
406.51
326.97
growth rate 100.0% 38.7% 5.3% 3.0% -2.3% 6.6% 17.8% 22.0% -1.7% -19.6%
Net Income -0.90
139.70
178.97
188.69
190.51
188.30
200.27
229.26
333.56
326.79
306.77
growth rate 100.0% 28.1% 5.4% 1.0% -1.2% 6.4% 14.5% 45.5% -2.0% -6.1%
EPS -0.18
0.66
1.00
1.10
1.16
1.19
1.26
1.42
1.89
1.91
1.86
growth rate 100.0% 51.5% 10.0% 5.5% 2.6% 5.9% 12.7% 33.1% 1.1% -2.6%
Gross Profit 955.83
968.14
990.16
1,047.90
1,234.60
1,200.56
1,120.71
growth rate 1.3% 2.3% 5.8% 17.8% -2.8% -6.7%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 234.15
245.62
402.30
202.60
217.96
growth rate 4.9% 63.8% -49.6% 7.6%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Payable 23,779.06
25,661.58
26,551.44
26,712.55
26,482.48
growth rate 7.9% 3.5% 0.6% -0.9%
Cur.Assets 1,263.21
1,477.89
2,614.78
1,639.11
1,169.28
growth rate 17.0% 76.9% -37.3% -28.7%
Total Assets 32,386.48
33,908.06
35,501.46
34,698.75
33,419.78
growth rate 4.7% 4.7% -2.3% -3.7%
Cash 400.23
679.23
2,012.69
1,113.66
716.05
growth rate 69.7% 196.3% -44.7% -35.7%
Inventory 27.11
28.53
21.17
19.89
14.27
growth rate 5.3% -25.8% -6.1% -28.3%
Cur.Liabilities 465.11
26,719.00
27,086.62
27,202.12
26,942.31
growth rate 5,644.6% 1.4% 0.4% -1.0%
Liabilities 28,464.36
30,117.59
31,477.01
30,653.31
29,328.85
growth rate 5.8% 4.5% -2.6% -4.3%
LT Debt 1,686.12
3,154.21
4,154.17
3,214.21
2,189.02
growth rate 87.1% 31.7% -22.6% -31.9%
Equity 3,922.12
3,533.76
3,670.61
3,691.80
3,737.42
growth rate -9.9% 3.9% 0.6% 1.2%
Common Shares 157.17
1.75
1.75
1.75
1.75
growth rate -98.9% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 17.07
11.05
11.53
11.86
20.24
growth rate -35.3% 4.4% 2.9% 70.6%
Cash Dividends -32.36
32.19
32.03
33.08
33.07
growth rate 100.0% -0.5% 3.3% 0.0%
Cash From OA 104.27
-20.08
306.20
136.94
126.96
growth rate -100.0% 100.0% -55.3% -7.3%
Sale Purchase of Stock
growth rate
FCF 87.20
-31.13
294.67
125.08
106.72
growth rate -100.0% 100.0% -57.6% -14.7%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 293.08
257.34
391.29
216.14
255.94
growth rate -12.2% 52.1% -44.8% 18.4%
Op.Income 234.15
78.31
220.13
41.69
104.78
growth rate -66.6% 181.1% -81.1% 151.3%
IBT 89.47
56.06
199.96
-12.90
83.86
growth rate -37.3% 256.7% -100.0% 100.0%
Net Income 72.10
45.84
148.72
45.21
67.00
growth rate -36.4% 224.4% -69.6% 48.2%
EPS
growth rate
Gross Profit 289.39
257.34
391.29
216.14
255.94
growth rate -11.1% 52.1% -44.8% 18.4%
R&D
growth rate

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:

E (32.09)

YOY Growth Grade:

E (27.38)

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 11.70 11.70 13.95
EPS / Growth 14.9% 1.86 6.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 4.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 4.1% 5.0% 5.0%
Future PE 8.10 11.90 11.90
Future EPS 2.77 3.04 3.04
Value Price
MOS %
5.54
-74.5%
8.94
-58.9%
8.94
-58.9%
MOS Price 2.77 4.47 4.47
IRT 9.45 9.06 9.06

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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