For the quarter ended September 2025, Associated Banc-Corp (ASB) reported revenue of $386.49 million, up 17.2% over the same period last year. EPS came in at $0.73, compared to $0.56 in the year-ago quarter.
The reported revenue represents a surprise of +2.81% over the Zacks Consensus Estimate of $375.91 million. With the consensus EPS estimate being $0.66, the EPS surprise was +10.61%.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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:
- Net Interest Margin: 3% compared to the 3.1% average estimate based on four analysts.
- Net charge offs / average loans (annualized): 0.2% compared to the 0.2% average estimate based on three analysts.
- Adjusted efficiency ratio: 54.8% versus 55.2% estimated by three analysts on average.
- Average Balance - Total earning assets and related interest income: $40.56 billion versus $40.27 billion estimated by three analysts on average.
- Nonaccrual loans: $106.18 million versus $119.11 million estimated by two analysts on average.
- Total nonperforming assets: $136.24 million versus $148.71 million estimated by two analysts on average.
- Total Noninterest Income: $81.27 million compared to the $69.2 million average estimate based on four analysts.
- Mortgage banking, net: $3.54 million compared to the $3.83 million average estimate based on three analysts.
- Card-based fees: $12.31 million versus $11.2 million estimated by three analysts on average.
- Bank and corporate owned life insurance: $4.05 million versus $4.04 million estimated by three analysts on average.
- Service charges and deposit accounts fees: $13.86 million compared to the $13.25 million average estimate based on three analysts.
- Net Interest Income (FTE): $309.44 million compared to the $308.68 million average estimate based on three analysts.
View all Key Company Metrics for Associated Banc-Corp here>>>
Shares of Associated Banc-Corp have returned -2.3% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Associated Banc-Corp (ASB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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