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Associated Banc-Corp (ASB)
NYSE:ASB
Earnings Data
Report Date
Jul 17, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.62Last Year’s EPS
0.52Same Quarter Last Year
Based on 9 Analysts Ratings
Earnings Call Summary
Earnings Call Date:Apr 24, 2025
|% Change Since: 4.81%
|Next Earnings Date:Jul 17, 2025
Earnings Call Sentiment|Positive
The earnings call reflects a generally positive performance with robust loan and deposit growth, margin expansion, and a strong capital position. However, there are some concerns due to non-recurring expenses and uncertainties related to tariffs and trade negotiations.Company Guidance
During the first quarter of 2025, Associated Banc-Corp reported several key metrics indicating strong performance and strategic progress. The company achieved GAAP earnings of $0.59 per share, with total loans increasing by $526 million, driven significantly by $352 million in commercial and industrial (C&I) loan growth. Core customer deposits rose by $502 million, contributing to a net interest margin expansion of 16 basis points to 2.97%. The bank also saw a 12 basis point charge-off rate, reflecting stable credit quality. Additionally, there was a 10 basis point increase in CET1 capital, showcasing enhanced capital strength. Despite macroeconomic uncertainties, the company remains focused on executing its strategic plan, with a continued emphasis on organic growth and risk management.Solid Loan and Deposit Growth
In Q1 2025, the company reported $526 million in loan growth and $502 million in core customer deposit growth, with a 4% increase in core customer deposits compared to Q1 2024.
Margin Expansion and Increased Net Interest Income
Net interest income increased by $16 million from Q4 2024 to $286 million, with a margin expansion of 16 basis points to 2.97%.
Strong Capital Position
The CET1 ratio increased to 10.11% as of Q1 2025, marking a 10 basis point increase relative to Q4 2024 and a 68 basis point increase from Q1 2024.
Positive Credit Metrics
Q1 2025 saw a decrease in delinquencies to $47 million, down $33 million from the prior quarter, and a reduction in net charge-offs to $3 million.
Strategic Expansion and Investment Completion
The company completed Phase 2 of its strategic plan, including the expansion of the commercial banking team and the addition of new RMs in Kansas City.
ASB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ASB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 24, 2025 | $22.02 | $22.33 | +1.41% |
Jan 23, 2025 | $25.10 | $24.89 | -0.84% |
Oct 24, 2024 | $22.28 | $22.50 | +0.99% |
Jul 25, 2024 | $23.28 | $23.30 | +0.09% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Associated Banc-Corp (ASB) report earnings?
Associated Banc-Corp (ASB) is schdueled to report earning on Jul 17, 2025, TBA Not Confirmed.
What is Associated Banc-Corp (ASB) earnings time?
Associated Banc-Corp (ASB) earnings time is at Jul 17, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ASB EPS forecast?
ASB EPS forecast for the fiscal quarter 2025 (Q2) is 0.62.