Associated Banc-Corp (ASB) reported $393.56 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 13.8%. EPS of $0.80 for the same period compares to $0.57 a year ago.
The reported revenue represents a surprise of +3.65% over the Zacks Consensus Estimate of $379.7 million. With the consensus EPS estimate being $0.69, the EPS surprise was +16.28%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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: 3.1% versus 3% estimated by four analysts on average.
- Net charge offs / average loans (annualized): 0.1% compared to the 0.2% average estimate based on four analysts.
- Adjusted efficiency ratio: 55.2% versus 55.7% estimated by three analysts on average.
- Average Balance - Total earning assets and related interest income: $40.87 billion compared to the $40.77 billion average estimate based on three analysts.
- Nonaccrual loans: $100.43 million versus $111.94 million estimated by two analysts on average.
- Total nonperforming assets: $129.2 million compared to the $136.47 million average estimate based on two analysts.
- Total Noninterest Income: $79.38 million compared to the $69.99 million average estimate based on four analysts.
- Mortgage banking, net: $2.93 million compared to the $3.28 million average estimate based on three analysts.
- Card-based fees: $12.68 million versus $12.04 million estimated by three analysts on average.
- Bank and corporate owned life insurance: $3.8 million versus the three-analyst average estimate of $3.58 million.
- Service charges and deposit accounts fees: $13.83 million versus the three-analyst average estimate of $13.16 million.
- Net Interest Income (FTE): $314.18 million versus the three-analyst average estimate of $310.73 million.
View all Key Company Metrics for Associated Banc-Corp here>>>
Shares of Associated Banc-Corp have returned +2.8% over the past month versus the Zacks S&P 500 composite's +0.7% 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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