Analysts have modestly lowered their price target on Associated Banc-Corp to approximately $29.20 per share, citing a blend of slightly higher long term revenue growth expectations, offset by a lower projected future P E multiple and marginally softer profit margin assumptions.
What's in the News
- Opened a new full service IDS Center branch in downtown Minneapolis, expanding to 1,665 square feet of retail and over 6,000 square feet of office space to deepen its presence in the city center (company announcement).
- Replaced its former Baker Center branch with the larger IDS Center location, positioning the bank to better serve existing customers and attract new commercial and wealth management relationships in the Minneapolis market (company announcement).
- Increased its regular quarterly cash dividend to $0.24 per common share, up from $0.23, payable December 15, 2025 to shareholders of record on December 1, 2025 (Board declaration).
- Completed repurchases totaling 2,692,276 shares, or 1.76 percent of shares outstanding, for $60.93 million under the buyback program announced on October 26, 2021, with no shares repurchased in the latest July to September 2025 tranche (buyback update).
- Reported third quarter 2025 net charge offs of $13.17 million, essentially flat versus $13.08 million in the third quarter of 2024, indicating credit costs remained stable at a relatively high level (earnings disclosure).
Valuation Changes
- The fair value estimate remains unchanged at approximately $29.20 per share, indicating no overall shift in the intrinsic value assessment.
- The discount rate edged down slightly from about 7.74 percent to 7.73 percent, reflecting a modestly lower required return.
- Revenue growth increased modestly from roughly 19.37 percent to 20.55 percent, signaling slightly stronger long-term top line expectations.
- The net profit margin eased slightly from about 34.95 percent to 34.62 percent, pointing to marginally softer profitability assumptions.
- The future price-to-earnings ratio was reduced significantly from around 11.19x to 8.89x, implying a meaningfully lower valuation multiple applied to forward earnings.
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