ASB · NYSE · STOCK
Associated Bank (ASB) Stock Analysis
$31.07
52W $23.86 – $32.46
70/100
$5.83B
10.7
0.77
Is ASB Bullish or Bearish?
Bullish.
Innellis AI committee rates Associated Bank (ASB) Buy with a composite score of 70/100
, based on 6 analysts with 83% agreement.
Last updated September 05, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +4.70 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -15.30 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 11.5 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
- Revenue growing 90.9% YoY -- genuine top-line momentum — Growth
- EPS growing 252.0% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 05, 2026
Overall Committee Score
70/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 3%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.5 is inexpensive for the broad market
Growth Analyst
bullish
85
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 90.9% YoY -- genuine top-line momentum
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.18) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
67
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.29 across 7 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3059.07)
Investment Thesis Evolution
Committee score moved marginally from 70.3 to 70.3.
Comparing 2026-09-04 to 2026-09-05 (1 day apart).
Technical Analysis
RSI (14)
51.5
Neutral
MACD Histogram
-0.103
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.40
Inside Bands
Price vs Moving Averages
EMA 9
$30.74
Above
EMA 21
$30.93
Above
EMA 50
$30.64
Above
EMA 200
$28.42
Above
Fundamental Analysis
Valuation
100
Growth
50
Profitability
64
Financial Health
61
Cash Flow
70
Valuation
P/E Ratio
10.7×
P/B Ratio
1.03×
PEG Ratio
0.04
Dividend Yield
3.11%
52W High
$32.46
52W Low
$23.86
Quality & Growth
ROE
954.3%
ROA
105.0%
Gross Margin
6053.7%
Operating Margin
2450.7%
Revenue Growth YoY
—
Debt / Equity
1.01
AI Fundamental Assessment
P/E ratio of 10.7 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 9.5%; Return on assets of 1.1%; Net margin of 19.7%; Gross margin of 60.5%; Current ratio of 1.38 (tight short-term liquidity); Debt-to-equity of 1.01; Free cash flow per share is positive (3.61); Most recent quarter missed estimates by 11.6%; EPS growth accelerating (-12.5% -> -10.0% QoQ); Average YoY EPS growth of -3.1%; Analyst estimates flat over recent quarters
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