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Associated Banc-Corp (ASB) Reports Q2 Earnings: What Key Metrics Have to Say

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For the quarter ended June 2025, Associated Banc-Corp (ASB - Free Report) reported revenue of $366.98 million, up 12.7% over the same period last year. EPS came in at $0.65, compared to $0.52 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $362.81 million, representing a surprise of +1.15%. The company delivered an EPS surprise of +4.84%, with the consensus EPS estimate being $0.62.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Associated Banc-Corp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Average Balance - Total earning assets: $40.07 billion compared to the $39.56 billion average estimate based on three analysts.
  • Net Interest Margin: 3% compared to the 3% average estimate based on three analysts.
  • Annualized year-to-date net charge offs (recoveries) to year-to-date average loans: 0.2% versus 0.2% estimated by three analysts on average.
  • Total nonperforming assets: $148.17 million versus $161.65 million estimated by two analysts on average.
  • Adjusted efficiency ratio: 57.2% compared to the 56.4% average estimate based on two analysts.
  • Net Interest Income (FTE): $304.23 million compared to the $296.03 million average estimate based on three analysts.
  • Bank and corporate owned life insurance: $4.14 million compared to the $4.33 million average estimate based on three analysts.
  • Capital markets, net: $5.77 million compared to the $4.36 million average estimate based on three analysts.
  • Mortgage banking, net: $4.21 million versus $3.74 million estimated by three analysts on average.
  • Card-based fees: $11.2 million versus $11.03 million estimated by three analysts on average.
  • Service charges and deposit accounts fees: $13.15 million versus the three-analyst average estimate of $12.92 million.
  • Wealth management fees: $23.03 million versus $22.43 million estimated by three analysts on average.

View all Key Company Metrics for Associated Banc-Corp here>>>

Shares of Associated Banc-Corp have returned +8% over the past month versus the Zacks S&P 500 composite's +5.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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