Associated Bank

ASB US Financials Regional Banks
S&P 400
$30.04
-0.99%
Delayed · cached 15 min

Fair value analysis

ASB
Associated Bank
FinancialsRegional Banks
$30.04
Close used for this calculation
$46.10Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
66/100
Profitability19/25
Returns6/25
Balance Sheet16/25
Efficiency25/25
Growth16/25
Strong
Quality radar
66Prof.19/25Ret.6/25Eff.25/25B.Sht16/25Growth16/25

Consensus fair value

$46.10
Below FV
▲ +53.5% against the close used
Model range $17.99 – $55.40
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$17.99Fair value$46.10Bull$55.40
FairClose
52-week traded range
52W low $24.1152W high $32.33

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Associated Bank closed at $30.04, 34.8% below the consensus fair value of $46.10 drawn from 8 valuation models.

Financial DNA score 66/100 — Strong. P/E of 10.8x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$52.61
+75.1%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=8.2%, r=10%, tg=3%, n=10yr
Graham Number
$43.05
+43.3%
√(22.5 × EPS × BVPS)
EPS=2.77, BVPS=29.74
P/E Fair Value
$55.40
+84.4%
EPS × 20x (sector P/E)
EPS=2.77, Sector P/E=20x
Peter Lynch (PEG)
$22.80
-24.1%
EPS × Growth% (PEG = 1 is fair)
EPS=2.77, g=8.2%
Dividend Discount (DDM)
$50.29
+67.4%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=0.93, r=10%, g=8%
Book Value (P/B)
$17.99
-40.1%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=29.74, ROE=8.4%, g=6%, r=10%
Reverse DCF
$30.04
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -1.2% | Historical: 8.2%
Margin of Safety
$37.77
+25.7%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=50.35, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.