Associated Banc-Corp
Description
Associated Banc-Corp, a bank holding company, provides various banking and nonbanking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. The company offers lending solutions, including commercial loans and lines of credit, commercial real estate financing, construction loans, letters of credit, leasing, asset based lending and equipment finance, loan syndications products, residential mortgages, home equity loans and lines of credit, personal and installment loans, auto finance and business loans, and business lines of credit. It also provides 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; specialized financial services, such as interest rate risk management and foreign exchange solutions; fiduciary services, such as administration of pension, profit-sharing and other employee benefit plans, fiduciary and corporate agency services, and institutional asset management services; and investable funds solutions, including savings, money market deposit accounts, IRA accounts, CDs, fixed and variable annuities, full-service, discount, and online investment brokerage; investment advisory services; and trust and investment management accounts. In addition, the company offers deposit and transactional solutions, including checking, credit, debit and pre-paid cards, online banking and bill pay; and money transfer services. Associated Banc-Corp was founded in 1861 and is headquartered in Green Bay, Wisconsin.
About
CEO
Mr. Andrew John Harmening
Employees
4,045
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNYS
Address
433 Main Street, Green Bay, WI 54301, United States
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![Enlarged Chart]()
Oscillators
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Summary
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Moving Averages
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Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 21, 2026 | — | — | — | — |
| Oct 22, 2025 | — | — | — | — |
| Jul 23, 2025 | — | — | — | — |
| Apr 24, 2025 | — | — | — | — |
| Jan 24, 2025 | 0.54 | 0.57 | 0.03 | 5.56% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 8 | 8 | 8 | 7 |
| Average estimate | 0.56 | 0.59 | 2.44 | 2.74 |
| Low estimate | 0.52 | 0.57 | 2.40 | 2.57 |
| High estimate | 0.60 | 0.62 | 2.51 | 2.83 |
| Last year EPS | 0.52 | 0.52 | 2.38 | 2.44 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
7.260%
Next qtr. (Jun 2025)
13.650%
Current year (Dec 2025)
2.660%
Next year (Dec 2026)
12.120%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 1.10B | 1.23B | 1.05B | 1.26B | 1.21B |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 563.83M | 502.28M | 465.99M | 470.93M | 532.91M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 206.05M | 459.63M | 436.31M | 326.97M | 406.51M |
| Tax provision | 23.10M | 93.51M | 85.31M | 20.20M | 79.72M |
| Net income | 182.96M | 366.12M | 350.99M | 306.77M | 326.79M |
| Basic EPS | 1.14 | 2.36 | 2.20 | 1.87 | 1.93 |
| Diluted EPS | 1.13 | 2.34 | 2.18 | 1.86 | 1.91 |
| Basic average shares | 149.97M | 149.16M | 150.77M | 153.01M | 160.53M |
| Diluted average shares | 149.97M | 149.16M | 150.77M | 153.01M | 160.53M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 182.96M | 366.12M | 350.99M | 306.77M | 326.79M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | 1,000 |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 484.38M | 436.95M | 343.83M | 416.15M | 373.38M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 909.47M | 593.65M | 1.03B | 714.91M | 581.00M |
| Other short term investments | 3.60B | 2.74B | 4.33B | 3.09B | 3.26B |
| Accounts receivable | 169.57M | 144.45M | 80.53M | 90.26M | 91.20M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 43.78M | 25.62M | 28.30M | 31.99M | 45.38M |
| Land and improvements | 85.64M | 75.59M | 76.39M | 80.20M | 79.00M |
| Machinery furniture equipment | 181.37M | 45.72M | 55.62M | 72.78M | 66.58M |
| Construction in progress | — | — | — | — | — |
| Leases | 39.61M | 16.49M | 11.74M | 11.78M | 13.96M |
| Accumulated depreciation | -377.00M | -357.92M | -360.20M | -367.85M | -360.56M |
| Goodwill | 2.33B | 2.34B | 2.32B | 2.33B | 2.51B |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 124.86M | 126.63M | 112.96M | 110.22M | 155.61M |
| Investments and advances | 7.76B | 7.00B | 6.88B | 5.28B | 5.76B |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | — | — | — | — |
| Accrued expenses | 552.81M | 541.44M | 348.56M | 364.09M | 467.96M |
| Short term debt | 740.00M | 3.15B | 34.73M | 59.35M | 552.02M |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 1.74B | 1.44B | 1.87B | 2.18B | 3.21B |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | -16.16M | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 1.75M | 1.75M | 1.75M | 1.75M | 1.75M |
| Retained earnings | 2.95B | 2.90B | 2.67B | 2.46B | 2.38B |
| Other shareholders equity | -171.10M | -272.80M | -10.32M | 12.62M | -33.18M |
| Total shareholders equity | 4.17B | 4.02B | 4.02B | 4.09B | 3.92B |
| Additional paid in capital | 1.71B | 1.71B | 1.71B | 1.72B | 1.72B |
| Treasury stock | 512.42M | 525.19M | 546.23M | 456.20M | 400.46M |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||||
| Net Income | 182.96M | 366.12M | 350.99M | 306.77M | 326.79M | 333.56M | 229.26M | 200.27M | 188.30M | 190.51M | 188.69M | 178.97M | 139.70M | -856,000 | -131.86M | 168.45M | 285.75M | 316.65M | 320.16M | 258.29M | 228.66M | 210.72M | 179.52M | 167.98M | 164.90M | 157.00M | 52.40M | 107.70M | 112.00M | 40.40M | 36.20M | 30.60M | 21.30M | 19.20M | 17.30M |
| Depreciation | 94.31M | 68.88M | 70.44M | 108.45M | 104.10M | 77.63M | 96.49M | 106.47M | 101.67M | 93.24M | 114.21M | 126.26M | 129.84M | 120.68M | 36.17M | 35.21M | 54.56M | 65.37M | 82.64M | 38.67M | 67.74M | 18.70M | 50.28M | 39.65M | 40.80M | 22.70M | 25.10M | 21.70M | 24.80M | 7.30M | 6.80M | 6.20M | 4.10M | 3.80M | 3.80M |
| Deferred Taxes | 34.25M | 34.68M | 34.07M | 25.56M | 20.06M | 19.43M | 41.24M | 15.93M | -422,000 | 9.89M | 25.92M | 54.29M | 34.74M | 50.81M | -134.83M | -41.55M | 9.47M | 19.64M | -684,000 | -23.10M | -13.20M | -14.88M | 16.65M | -13.94M | 4.50M | 9.90M | -21.00M | -4.30M | -6.20M | -2.60M | -200,000 | — | — | — | — |
| Stock-Based Compensation | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | -36.32M | 94.97M | -41.07M | 120.17M | 203.51M | 16.29M | 101.25M | 244.28M | -7.78M | -73.13M | 173.13M | -33.36M | -114.46M | -86.67M | 6.78M | 6.83M | 12.67M | -28.36M | -55.05M | 56.00M | 303.81M | 150.95M | -224.53M | -16.85M | 70.40M | -43.40M | 27.60M | 22.20M | -6.20M | 43.30M | -2.90M | 22.60M | -20.70M | 3.40M | 1.50M |
| Accounts Receivable | -25.12M | -63.92M | 9.74M | 933,000 | 7.60M | -7.42M | -9.48M | -7.84M | 395,000 | -1.26M | 2.08M | 534,000 | 5.06M | 13.47M | 10.89M | 10.75M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Accounts Payable | 78.54M | 12.61M | -10.68M | -11.39M | 2.50M | 10.41M | 6.54M | -4.64M | 3.90M | 1.54M | -2.21M | -5.72M | -1.23M | -4.05M | -10.73M | -7.44M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | -186.32M | 303.85M | 180.44M | -128.76M | -101.06M | 54.53M | -31.02M | 26.14M | -11.69M | -3.66M | 18.68M | 52.36M | 79.17M | 38.87M | -438.21M | 2.19M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Cash Flow | 142.29M | 817.19M | 593.94M | 421.74M | 563.49M | 504.43M | 434.28M | 580.61M | 274.38M | 217.12M | 520.49M | 373.33M | 272.82M | 132.25M | -661.80M | 174.45M | 362.44M | 373.30M | 347.06M | 329.86M | 587.01M | 365.49M | 21.92M | 176.84M | 280.60M | 146.20M | 84.10M | 147.30M | 124.40M | 88.40M | 39.90M | 59.40M | 4.70M | 26.40M | 22.60M |
| Investing Activities | |||||||||||||||||||||||||||||||||||
| Capital Expenditures | -61.81M | -62.71M | -52.28M | -54.68M | -67.46M | -65.85M | -47.37M | -103.88M | -54.64M | -50.40M | -67.72M | -83.97M | -76.65M | -34.60M | -22.79M | -31.47M | -34.82M | -18.15M | -15.91M | -14.97M | -13.29M | -12.86M | -7.70M | -11.83M | -20.50M | -30.30M | -11.80M | -27.50M | -7.70M | -6.80M | -4.80M | -4.00M | -3.80M | -5.20M | -7.40M |
| Net Intangibles | — | — | — | -200,000 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | 2.42M | 224.99M | 551.25M | 59.47M | 339,000 | -685,000 | 1.13M | — | — | — | — | — | — | — | -33.80M | — | 25.15M | 29.27M | -18.03M | 17.98M | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Purchase of Investments | -1.98B | -1.26B | -3.37B | -1.77B | -883.81M | -1.48B | -1.43B | -1.52B | -3.13B | -1.33B | -2.09B | -2.12B | -777.31M | -3.37B | -3.68B | -2.71B | -1.46B | -1.02B | -1.00B | -1.33B | -1.76B | -1.62B | -664.33M | -933.20M | -1.21B | -802.40M | -519.90M | -1.35B | -337.80M | -395.20M | -420.60M | -365.10M | -218.00M | -149.60M | -137.10M |
| Sale of Investments | 1.26B | 800.98M | 1.68B | 2.42B | 2.19B | 1.45B | 942.71M | 1.62B | 2.72B | 970.47M | 1.43B | 1.99B | 1.95B | 3.00B | 3.07B | 1.20B | 1.41B | 2.29B | 1.35B | 915.67M | 1.32B | 1.66B | 783.25M | 1.02B | 959.40M | 948.30M | 379.40M | 1.18B | 591.00M | 430.70M | 447.00M | 386.70M | 164.80M | 184.70M | 160.40M |
| Investing Cash Flow | -734.23M | -675.38M | -1.78B | 846.99M | 1.76B | -54.41M | -534.92M | 29.56M | -397.03M | -382.03M | -698.65M | -126.76M | 1.15B | -352.43M | -585.96M | -1.47B | -245.62M | 1.20B | 20.01M | -1.27B | -551.03M | -534.85M | -28.78M | -474.48M | -996.30M | -182.90M | -616.60M | -519.70M | -193.00M | -137.00M | -47.60M | -59.50M | -135.00M | -132.50M | -61.80M |
| Financing Activities | |||||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 294.11M | 1.78M | 6.95M | 4.22M | 751.57M | 2.14B | 750.00M | 515.00M | 250.00M | 996.03M | 2.50B | 154.74M | 432.50M | 400.00M | 800.00M | 525.82M | 600.00M | 500.00M | 1.55B | 1.50B | 507.36M | 1.10B | 981.88M | 100.00M | 100,000 | 13.50M | — | 6.00M | 15.00M | — | — | — | — | — | — |
| Long-Term Debt Payments | -599,000 | -413.56M | -318.44M | -1.56B | -1.39B | -2.15B | -115.02M | -430.04M | -1.50B | -155.07M | -427.43M | -311.62M | -670.10M | -940.36M | -3.18B | -528.40M | -813.00M | -1.78B | -915.77M | -1.23B | -558.11M | -235.68M | -907,000 | -1.86M | -600,000 | -1.50M | — | -2.60M | -80.10M | -700,000 | -1.50M | -18.20M | -3.00M | — | -100,000 |
| Other Financing Charges | — | -939,000 | -2,000 | — | — | — | — | — | — | — | — | — | — | — | — | 919,000 | 1.88M | 3.25M | — | — | — | — | -10.90M | -98.03M | -55.80M | 100,000 | -200,000 | — | — | — | — | 1.70M | 800,000 | -100,000 | 400,000 |
| Financing Cash Flow | -2.51B | 2.84B | -614.43M | -2.42B | -1.01B | -218.35M | 114.76M | 299.41M | -1.57B | 852.58M | 310.74M | -450.92M | 45.92M | 424.50M | -4.95B | 313.15M | 805.17M | -2.05B | 43.30M | 684.51M | -609.65M | 418.67M | 935.17M | -252.50M | 916.20M | 267.90M | 68.10M | 228.00M | -136.90M | 37.90M | -9.90M | -48.10M | -9.40M | 19.30M | 18.90M |
| Other Cash Details | |||||||||||||||||||||||||||||||||||
| End Cash Position | 923.82M | 621.46M | 1.03B | 716.05M | 588.74M | 876.70M | 716.02M | 642.23M | 473.69M | 1.03B | 602.25M | 737.87M | 616.60M | 868.16M | 820.69M | 570.73M | 587.15M | 482.04M | 492.30M | 458.07M | 399.86M | 445.01M | 605.44M | 396.52M | 314.20M | 536.50M | 290.20M | — | — | — | — | — | — | — | — |
| Income Tax Paid | 69.42M | 18.40M | 57.73M | 17.73M | 41.13M | 18.34M | 81.45M | 75.56M | 84.41M | 72.43M | 49.20M | — | 10.84M | 93.72M | 46.21M | 85.95M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 838.83M | 174.68M | 81.60M | 159.29M | 332.92M | 261.72M | 138.17M | 88.27M | 73.05M | 54.33M | 65.55M | 97.94M | 129.72M | 175.78M | 265.50M | 438.00M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 380.93M | 783.86M | 477.27M | 495.14M | 506.80M | 430.71M | 411.00M | 537.50M | 246.57M | 149.11M | 410.24M | 266.51M | 233.14M | 474.83M | 98.97M | 406.39M | 256.56M | 312.01M | 312.48M | 343.35M | 483.51M | 285.72M | -8.11M | 177.32M | 249.60M | 108.30M | 139.00M | 146.70M | 122.10M | 87.50M | 33.90M | 56.00M | 600,000 | 21.10M | 16.00M |
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