ASB vs RYAN
Associated Bank vs Ryan Specialty — AI-powered side-by-side comparison
ASB
Associated Bank
71
Buy
VS
RYAN
Ryan Specialty
55
Watch
| Metric | ASB | RYAN |
|---|
| AI Score |
71
|
55
|
| Price |
$30.91
|
$44.39
|
| P/E Ratio |
10.69×
|
46.60×
|
| ROE |
9.5%
|
9.8%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
60.5%
|
81.1%
|
| Debt / Equity |
1.01×
|
7.47×
|
| Dividend Yield |
3.1%
|
1.2%
|
| RSI (14) |
38.0
|
66.4
|
| Beta |
0.771
|
0.572
|
| Expected Upside |
—
|
+1.1%
|
AI Committee View
Current Innellis committee reasoning for ASB versus RYAN.
ASB leads by 16 points.
ASB scores 71/100 (Buy) versus RYAN at 55/100 (Watch).
ASB Committee View
83% agreement
6 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull Case
- P/E of 12.0 is inexpensive for the broad market — Value
- Price-to-book of 0.9x is a discount to asset value — Value
- Dividend yield of 5.0% pays you to wait — Value
Bear Case
- MACD histogram negative -- bearish momentum — Technical
RYAN Committee View
33% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 332.5% yoy. Risk Analyst remains cautious — high leverage (debt-to-equity 5.17) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 16.3% shows genuine earnings power backing the valuation — Value
- EPS growing 332.5% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- P/E of 110.6 is expensive by classic value standards — Value
- Price-to-book of 21.0x prices in significant intangible value — Value
- Debt-to-equity of 5.17 adds balance-sheet risk to the value case — Value