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ASB vs FBK
Associated Banc-Corp (ASB) vs FB Financial (FBK) Earnings Preview: Q1 Reports on Horizon
Key Takeaways
- Both ASB and FBK are regional banks with strong recent profitability, posting record or elevated net interest income (NII, interest revenue minus funding costs) in Q4 2025.
- FBK reports Q1 2026 earnings on April 13, followed by ASB on April 23; analysts expect FBK EPS of ~$1.11-$1.15 and revenue ~$175M-$176M.
- ASB delivered Q4 2025 EPS of $0.80 with NII at record $310M (NIM 3.06%), loans +5% YoY to $31.2B; assets ~$45B.
- FBK Q4 adjusted EPS $1.16, NII implied ~$150M (NIM 3.98%), deposits +24% YoY; assets ~$16.3B.
- ASB offers scale advantage (larger assets, market cap ~$5B vs FBK's ~$2.9B) but FBK shows higher NIM and ROE potential.
- Expect focus on loan growth, deposit stability, and NIM amid rate environment for both.
Earnings Context and Why This Comparison Matters
Regional banks like Associated Banc-Corp (ASB) and FB Financial (FBK) compete in the Midwest and Southeast, respectively, serving commercial and consumer clients through lending, deposits, and fee-based services. Earnings reports provide insights into net interest margin (NIM), loan quality, and expense control amid shifting interest rates and economic conditions. ASB, headquartered in Wisconsin with ~$45 billion in assets, emphasizes C&I (commercial and industrial) lending. FBK, based in Tennessee with ~$16 billion in assets, operates FirstBank and benefits from mortgage banking. Comparing them highlights balance sheet scale versus per-share efficiency, aiding investors in spotting resilient performers.
FB Financial (FBK) Focus
FBK will release Q1 2026 results on April 13 after market close, with a conference call on April 14. Analysts project EPS of $1.11 to $1.15 (up ~35% YoY) and revenue around $175-176 million (+~35% YoY), driven by loan and deposit expansion. In Q4 2025, adjusted EPS hit $1.16 (beating estimates), with NIM at 3.98% and deposits at $13.9 billion (+24% YoY). Loans held for investment reached $12.4 billion. Management guided Q1 NIM (ex-loan accretion) to 3.78%-3.83%, signaling modest pressure but strong deposit beta. Key watches: credit quality (low provisions historically) and noninterest income from mortgage operations.
Associated Banc-Corp (ASB) Context
ASB reports Q1 2026 on April 23 after close. Consensus calls for EPS ~$0.69, with revenue ~$384 million. Q4 2025 marked records: EPS $0.80, full-year $2.77 (+284% YoY), NII $310 million (NIM 3.06%). Loans grew 5% YoY to $31.2 billion, led by $1.2 billion C&I addition; deposits +3% to $35.6 billion. Total assets neared $45 billion. ROE (ttm) ~10%, ROA 1.1%. Recent quarters show NIM stability above 3%, with core deposit growth ~$1 billion in 2025. Investors eye sustained C&I momentum and provision trends versus peers.
Head-to-Head Earnings and Market Comparison
Both banks posted robust Q4 2025 results, with FBK's adjusted EPS ($1.16) outpacing ASB's $0.80 on a per-share basis, though ASB's absolute scale shines (NII $310M vs ~$151M implied for FBK). FBK edges NIM (3.98% vs 3.06%) and deposit growth (24% vs 3% YoY), signaling funding efficiency, but ASB leads loan volume and diversification. Growth drivers: ASB's C&I focus versus FBK's mortgage exposure. Risks include rate cuts pressuring NIM and credit (both maintain low NPAs). Sentiment favors ASB for stability (market cap ~$5B, P/E 9.5) over FBK (P/E ~23, higher volatility).
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Tickeron AI Verdict
Tickeron AI favors ASB (65% probability) for superior scale, stable NIM, and lower valuation, offering better risk-adjusted positioning ahead of earnings, though FBK could outperform on growth if NIM holds.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ASB is a Buy and FBK is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
ASB’s FA Score shows that 2 FA rating(s) are green whileFBK’s FA Score has 1 green FA rating(s).
- ASB’s FA Score: 2 green, 3 red.
- FBK’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
ASB’s TA Score shows that 5 TA indicator(s) are bullish while FBK’s TA Score has 7 bullish TA indicator(s).
- ASB’s TA Score: 5 bullish, 4 bearish.
- FBK’s TA Score: 7 bullish, 2 bearish.
Price Growth
ASB (@Regional Banks) experienced а +0.55% price change this week, while FBK (@Regional Banks) price change was +0.07% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
ASB is expected to report earnings on Jul 23, 2026.
FBK is expected to report earnings on Jul 20, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| ASB | FBK | ASB / FBK | |
| Capitalization | 5.55B | 2.77B | 200% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 16.101 | -2.830 | -569% |
| P/E Ratio | 10.20 | 19.86 | 51% |
| Revenue | 1.52B | 603M | 252% |
| Total Cash | 465M | 196M | 237% |
| Total Debt | 4.01B | 272M | 1,476% |
ASB | FBK | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 26 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 25 Undervalued | 78 Overvalued | |
PROFIT vs RISK RATING 1..100 | 42 | 60 | |
SMR RATING 1..100 | 22 | 41 | |
PRICE GROWTH RATING 1..100 | 44 | 50 | |
P/E GROWTH RATING 1..100 | 97 | 33 | |
SEASONALITY SCORE 1..100 | 50 | 6 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ASB's Valuation (25) in the Regional Banks industry is somewhat better than the same rating for FBK (78) in the Major Banks industry. This means that ASB’s stock grew somewhat faster than FBK’s over the last 12 months.
ASB's Profit vs Risk Rating (42) in the Regional Banks industry is in the same range as FBK (60) in the Major Banks industry. This means that ASB’s stock grew similarly to FBK’s over the last 12 months.
ASB's SMR Rating (22) in the Regional Banks industry is in the same range as FBK (41) in the Major Banks industry. This means that ASB’s stock grew similarly to FBK’s over the last 12 months.
ASB's Price Growth Rating (44) in the Regional Banks industry is in the same range as FBK (50) in the Major Banks industry. This means that ASB’s stock grew similarly to FBK’s over the last 12 months.
FBK's P/E Growth Rating (33) in the Major Banks industry is somewhat better than the same rating for ASB (97) in the Regional Banks industry. This means that FBK’s stock grew somewhat faster than ASB’s over the last 12 months.
| ASB | FBK | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 72% | N/A |
| Stochastic ODDS (%) | 2 days ago 63% | 2 days ago 69% |
| Momentum ODDS (%) | 2 days ago 66% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 66% | 2 days ago 63% |
| TrendWeek ODDS (%) | 2 days ago 60% | 2 days ago 59% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 63% |
| Advances ODDS (%) | 2 days ago 60% | 2 days ago 65% |
| Declines ODDS (%) | 23 days ago 61% | 23 days ago 62% |
| BollingerBands ODDS (%) | 2 days ago 61% | 2 days ago 63% |
| Aroon ODDS (%) | 2 days ago 52% | 2 days ago 63% |
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FBK and
Correlation & Price change
A.I.dvisor indicates that over the last year, FBK has been closely correlated with ASB. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if FBK jumps, then ASB could also see price increases.
| Ticker / NAME | Correlation To FBK | 1D Price Change % | ||
|---|---|---|---|---|
| FBK | 100% | +0.13% | ||
| ASB - FBK | 84% Closely correlated | +0.62% | ||
| UCB - FBK | 84% Closely correlated | +1.61% | ||
| UBSI - FBK | 83% Closely correlated | +1.17% | ||
| ABCB - FBK | 83% Closely correlated | -0.26% | ||
| PRK - FBK | 83% Closely correlated | -0.04% | ||
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