Associated Banc-Corp — Earnings Quality Grade F
ASB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 40 days, change -20 days YoY
AR growth -4.0% vs revenue growth 43.7%
Revenue grew 43.7% but CFFO only 6.1%
Expense Quality
No material inventory
CapEx growth -19.1% vs revenue 43.7%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.30. Profits backed by cash
FCF $0.6B, FCF/NI = 1.22
Accruals ratio = -0.3%. Low accruals
Cash $1.7B covers only 45% of debt $3.9B
Balance Sheet Health
Goodwill+Intangibles $1.2B = 24% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor ASB continuously
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Altman Z-Score — Not Applicable
Associated Banc-Corp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25