Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Associated Banc-CorpSTU:AB5 54 FCF Margin % is 43.39% as of Jun. 2026, which is 7% above its 10-year median of 40.68. GuruFocus rates STU:AB5 with a GF Score™ of 54/100 and a GF Value™ of €25.73 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,500 Banks companies, Associated Banc-Corp ranks better than 70% on this metric.
The historical data trend for Associated Banc-Corp's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:AB5 vs FLG, ABCB, AUB: FCF Margin % Comparison
For the Banks - Regional subindustry, Associated Banc-Corp's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Associated Banc-Corp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Associated Banc-Corp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Associated Banc-Corp's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Associated Banc-Corp (STU:AB5) has a FCF Margin % of 43.39% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Associated Banc-Corp and its competitors. This is near median its historical median of 40.68. Over the past decade, Associated Banc-Corp's FCF Margin % has ranged from 34.71 to 63.53. According to the industry distribution chart, Associated Banc-Corp ranks #450 out of 1500 companies in the Banks industry, placing it in the top 30%.
Is Associated Banc-Corp's FCF Margin % too high?
Associated Banc-Corp's current FCF Margin % of 43.39% is near median its 10-year median of 40.68. Over the past 10 years, this metric has ranged from a low of 34.71 to a high of 63.53. The Banks industry median FCF Margin % is 26.70. Associated Banc-Corp's value of 43.39% is 62.5% above this industry median. Based on the distribution chart, Associated Banc-Corp ranks #450 out of 1500 companies in the Banks industry, which is above the industry midpoint. Overall, Associated Banc-Corp has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Associated Banc-Corp's FCF Margin % compare to FLG and ABCB?
According to the Banks industry distribution chart, Associated Banc-Corp ranks #450 out of 1500 companies for FCF Margin %. This puts Associated Banc-Corp in the upper half of its industry. The industry median FCF Margin % is 26.70. Associated Banc-Corp's value of 43.39% is 62.5% above this benchmark. Historically, Associated Banc-Corp's own FCF Margin % has ranged from 34.71 to 63.53 over the past decade. While the company's 10-year median is 40.68 vs. the industry median of 26.70, Associated Banc-Corp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.70, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Associated Banc-Corp's current FCF Margin % of 43.39% is 62.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Associated Banc-Corp and its competitors. For the Banks industry, the median FCF Margin % is 26.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Associated Banc-Corp's current FCF Margin % is 43.39%, which is near median its own 10-year median of 40.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Associated Banc-Corp stock overvalued right now?
Based on GuruFocus' analysis, Associated Banc-Corp (STU:AB5) is currently considered Fairly Valued. The stock's GF Value™ is €25.73, compared to a current price of €27.80 — trading 8% above its estimated fair value. The current FCF Margin % is 43.39%, which is near median its 10-year median of 40.68 and 62.5% above the Banks industry median of 26.70. Associated Banc-Corp's overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Associated Banc-Corp (STU:AB5), the current FCF Margin % is 43.39% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Associated Banc-Corp (STU:AB5) Overvalued in 2026?
Based on GuruFocus' analysis, Associated Banc-Corp stock appears to be overvalued.
The current stock price of €27.80 is trading 8% above its estimated GF Value™ of €25.73.
GuruFocus considers Associated Banc-Corp to be Fairly Valued.
Key valuation signals for STU:AB5:
FCF Margin %: 43.39% (near median its 10-year median of 40.68)
GF Value™: €25.73 vs. price of €27.80 (8% above fair value)
Industry Position: 62.5% above the Banks median (#450 of 1500)
No single metric tells the full story. See the STU:AB5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Associated Banc-Corp is a bank holding company based in the United States of America. The company, through its subsidiaries, provides a broad array of banking and non-banking products and services to individuals and businesses. The group operates in three reportable segments: Corporate and Commercial Specialty; Community, Consumer, and Business; and Risk Management and Shared Services. The majority of its revenue is derived from the Corporate and Commercial Specialty segment, which serves a wide range of customers, including larger businesses, developers, not-for-profits, municipalities, and financial institutions by providing lending and deposit solutions as well as support to deliver, fund, and manage such banking solutions.
54GF Score
Get the complete analysis for STU:AB5
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:AB5 has been successfully added to your 
