ASB Earnings Prediction
The chart below shows how ASB performed 10 days before and after its earnings report, based on data from the past quarters. Typically, ASB sees a -4.30% change in stock price 10 days leading up to the earnings, and a +0.52% change 10 days following the report. On the earnings day itself, the stock moves by +0.05%. This data can give you a slight idea of what to expect for the next quarter's release.
ASB Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
350.32M
9.19%
475.28%
Gross Margin
--
--
--
Operating Margin
37.55%
16.43%
-112.98%
Net Margin
29.03%
14.74%
-110.94%
EPS
0.59
13.46%
-156.73%
No Data Available
ASB Earnings Analysis
Associated Banc-Corp Corporation (ASB.N) Earnings Conference Call
Positive
Strong Q1 Earnings: The company reported GAAP earnings of $0.59 per share for Q1, indicating strong financial performance.
Loan Growth Strategies: Total loans grew by $526 million during the quarter, with significant contributions from commercial and industrial (C&I) loans, reflecting effective growth strategies.
Customer Deposit Growth: Core customer deposits increased by $500 million, demonstrating strong customer engagement and retention.
Net Interest Income Increase: Net interest income rose to $286 million, a $16 million increase from the previous quarter, driven by effective balance sheet repositioning.
Net Interest Margin Expansion: The net interest margin expanded by 16 basis points to 2.97%, indicating improved profitability from lending activities.
CET1 Capital Improvement: The company added 10 basis points of CET1 capital, showcasing a strengthened capital position and enhanced profitability profile.
Credit Risk Management Success: Delinquencies and charge-offs decreased, reflecting disciplined credit risk management and a stable loan portfolio.
Market Expansion Strategy: The expansion of the commercial banking team and entry into new markets, such as Kansas City, positions the company for future growth and market share capture.
Record High Customer Satisfaction: Customer satisfaction scores reached record highs, indicating a strong consumer value proposition and effective service delivery.
Economic Resilience Strategy: The company is well-positioned to navigate economic uncertainties, with proactive measures in place to monitor customer activity and credit quality.
Negative
Earnings Report Concerns: The company reported a GAAP earnings of $0.59 per share, which may not meet market expectations, indicating potential concerns about profitability.
Loan Volume Challenges: Despite loan growth of $526 million, the overall average quarterly loans decreased slightly, suggesting challenges in maintaining loan volume.
Loan Sale Loss Impact: The company experienced a $7 million loss from the loan sale, which negatively impacted non-interest income, raising concerns about revenue stability.
Non-Interest Expense Analysis: Total non-interest expense was $211 million, which included a $4 million OREO write down, indicating potential issues with asset quality and management.
Non-Interest Income Outlook: The company expects non-interest income to grow by only 0% to 1% in 2025, reflecting a cautious outlook on revenue generation.
CRE Non-Performing Loans Increase: The commercial real estate (CRE) non-performing loans (NPLs) increased slightly, which could signal emerging credit quality issues in that segment.
Anticipated Financial Impact: The company anticipates elevated payoffs in the coming quarters, which could impact loan growth and overall financial performance.
Net Charge-Off Ratio Decline: The net charge-off ratio decreased to 0.12%, but any increase in charge-offs in the future could indicate deteriorating credit conditions.
Trade Uncertainty Impact: The company is facing uncertainty due to tariffs and trade negotiations, which could impact customer activity and overall economic conditions.
ASB FAQs
How does ASB typically perform around its earnings report dates?
Is Associated Banc-Corp (ASB) Q1 2025 Earnings Call Summary positive or negative?
How can historical earnings data help predict future stock performance?
ASB Earning Call Sentiment
Earnings call transcript: Associated Banc-Corp Q1 2025 beats EPS estimates
ASB.N
1.41%Positive
The earnings call presents a mixed picture. Financial performance shows growth in key areas like EPS, loans, and deposits, but guidance is cautious with limited growth expectations. The Q&A reveals confidence in managing risks but lacks specifics on challenges. Despite positive financial metrics, management's focus on growth over buybacks and lack of strong guidance adjustments suggest limited short-term stock movement. The market cap indicates moderate sensitivity to these mixed signals, resulting in a neutral stock price prediction.
