Associated Bank (ASB)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$31.07+0.52%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · ASB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -14.9% |
| Our one-year growth estimate | diamond | -11.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 3.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
ASB — General Counsel transition
Dated 2026-09-02
General Counsel — Randall J. Erickson: The filing announces the planned retirement of the General Counsel with a transition period, representing an orderly succession rather than a sudden loss of a C-suite executive.
Why it matters: Loan growth is key to Associated Bank's earnings. A slowdown could signal integration issues.
Worry ifQ3 2026 total loan growth below 18% year-over-year.
Less concerning ifQ3 2026 total loan growth meets or exceeds 20% year-over-year.
Why it matters: Share buybacks can show confidence in the company's finances and help stock prices.
Supportive ifManagement will share updates on the share buyback program in the next quarter.
Worry ifNo updates or signs of share buybacks in the next quarter.
Why it matters: Share repurchases can signal confidence in the company's value and support the stock price.
Supportive ifLook for news on share buybacks before Q3 2026.
Worry ifNo news on share buybacks before Q3 2026.
Why it matters: Earnings reports provide insights into performance and growth trends.
Watch forEarnings report shows net income growth and strong loan and deposit trends.
Also watch forEarnings report reveals declining net income or weak loan and deposit growth.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$103 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $223 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,638 loss on $10,000 · 16.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: High expense growth can limit profits. It is key to manage costs during integration.
Worry ifNoninterest expenses went up over 21% from last year.
Less concerning ifNoninterest expense growth is at or below 20% from last year.
Why it matters: Starting the $100 million share repurchase program may show confidence in the company's finances. It could help the share price.
Supportive ifThe company says it will start share repurchases under the new program.
Worry ifNo share repurchases in the next quarter may show a lack of confidence.
Why it matters: Net interest income growth is key for making money. Meeting this goal shows good management.
Supportive ifNet interest income growth is reported at 19% or more compared to 2025.
Worry ifNet interest income growth is below 19% compared to 2025.
Why it matters: Strong loan growth is key for making money. It shows demand for credit in the market.
Supportive ifTotal loans reported to grow at or above 18% year over year in upcoming earnings.
Worry ifLoan growth below 18% year over year shows demand is weakening.