Associated Banc-Corp (FRA:AB5) Moat Score: 4/10 (As of Jul. 04, 2026)


FRA:AB5 Associated Banc-Corp FRA:AB5
65 GF Score
Price €25.80
GF Value €24.76
Valuation Fairly Valued
! 5 Warning Signs
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What is Associated Banc-Corp Moat Score?

Associated Banc-Corp FRA:AB5 -2.27% 65 Moat Score is 4 as of Jul. 04, 2026. GuruFocus rates FRA:AB5 with a GF Score™ of 65/100 and a GF Value™ of €24.76 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, Associated Banc-Corp ranks better than 86.22% on this metric.

Associated Banc-Corp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Associated Banc-Corp has Narrow Moat: Associated Banc-Corp has a discernible moat with regional market leadership and customer loyalty. However, it faces challenges from larger banks and lacks significant pricing power or regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Associated Banc-Corp might have Narrow Moat - Discernible but modest moat.

Associated Banc-Corp  (FRA:AB5) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Associated Banc-Corp Moat Score Related Terms

FRA:AB5 vs HOMB, AUB, HWC: Moat Score Comparison

For the Banks - Regional subindustry, Associated Banc-Corp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Associated Banc-Corp's Moat Score distribution charts can be found below:

* The bar in red indicates where Associated Banc-Corp's Moat Score falls into.


FRA:AB5
65GF Score
Associated Banc-Corp FRA:AB5
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Associated Banc-Corp (FRA:AB5) has a Moat Score of 4 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Associated Banc-Corp ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Associated Banc-Corp's Moat Score too high?
Associated Banc-Corp's current Moat Score is 4. Based on the distribution chart, Associated Banc-Corp ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Associated Banc-Corp has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Associated Banc-Corp's Moat Score compare to HOMB and AUB?
According to the Banks industry distribution chart, Associated Banc-Corp ranks #222 out of 1611 companies for Moat Score. This places Associated Banc-Corp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Associated Banc-Corp's current Moat Score is 4. 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 (FRA:AB5) is currently considered Fairly Valued. The stock's GF Value™ is €24.76, compared to a current price of €25.80 — trading 4.2% above its estimated fair value. The current Moat Score is 4. Associated Banc-Corp's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Associated Banc-Corp (FRA:AB5), the current Moat Score is 4 as of Jul. 04, 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 (FRA:AB5) Overvalued in 2026?

Based on GuruFocus' analysis, Associated Banc-Corp stock appears to be overvalued. The current stock price of €25.80 is trading 4.2% above its estimated GF Value™ of €24.76. GuruFocus considers Associated Banc-Corp to be Fairly Valued.

Key valuation signals for FRA:AB5:

  • Moat Score: 4
  • GF Value™: €24.76 vs. price of €25.80 (4.2% above fair value)
  • GF Score™: 65/100 with 5 warning signs

No single metric tells the full story. See the FRA:AB5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Associated Banc-Corp Business Description

Address 433 Main Street, Green Bay, WI, USA, 54301
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.
65GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€25.80
Price
€24.76
GF Value