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ASB vs FHN
Which Stock Would AI Choose? Associated Banc-Corp (ASB) vs. First Horizon Corporation (FHN) Stock Comparison
Key Takeaways
- Associated Banc-Corp (ASB) has shown stronger recent relative performance, while First Horizon Corporation (FHN) has lagged peers despite solid profitability.
- Both are regional banks, but they operate in different geographies: ASB is concentrated in the Midwest, while FHN is anchored in the Southeast.
- ASB carries a higher dividend yield (near 3.4%) and a stronger analyst consensus, while FHN has consistently delivered return on tangible common equity (ROTCE) above 15%.
- Credit quality is a key watch item for ASB amid rising net charge-offs; FHN faces near-term momentum pressure after a post-earnings decline.
- ASB is pivoting toward commercial and industrial (C&I) lending and an acquisition-driven expansion, while FHN is expanding fee-based wealth and treasury businesses.
Introduction
Investors evaluating regional bank stocks often weigh momentum, profitability, and credit risk when deciding where to allocate capital. ASB, the parent of Associated Bank, and FHN, First Horizon Corporation, are two mid-cap financial franchises that invite exactly this kind of side-by-side stock comparison. Both are publicly traded U.S. regional lenders with meaningful capital-return programs and active growth strategies, yet their recent market positioning has diverged. This comparison is most relevant to traders and investors tracking relative performance, dividend income, and sector sentiment within financials, and who want an objective view of how these two names currently stack up.
ASB Overview and Recent Performance
Associated Banc-Corp (ASB) is a Green Bay, Wisconsin-based bank holding company serving customers across Wisconsin, Illinois, Iowa, Minnesota, Missouri, and Nebraska, with a growing presence in markets such as Texas. In recent weeks, ASB has been among the stronger performers in the regional banking group, with notable year-to-date and trailing one-year gains that have outpaced the broader market. Sentiment has been supported by a strategic pivot toward higher-yielding C&I lending, which is replacing lower-yielding residential balances and driving margin expansion. The bank has also issued guidance calling for meaningful net interest income (NII) growth, reinforced by its American National acquisition. Offsetting these positives, investors are monitoring rising net charge-offs and exposure to commercial real estate (CRE), which have kept the credit-quality conversation central to the ASB narrative.
FHN Overview and Recent Performance
First Horizon Corporation (FHN) is a Memphis, Tennessee-based regional financial services company with roughly $84 billion in assets and a footprint spanning the Southeast. FHN has delivered consistent profitability, with adjusted ROTCE holding above 15% for four consecutive quarters and net income available to common shareholders rising year over year. However, recent market activity has been more cautious: the stock declined following its latest earnings release despite a revenue beat, reflecting broader regional-bank concerns around deposit costs, yield-curve dynamics, and fixed-income revenue. Strategically, FHN is deepening fee-based businesses through wealth management and treasury management, supported by its LPL Financial partnership. The company continues to deploy capital through share repurchases while targeting a Common Equity Tier 1 (CET1) ratio near 10.5%.
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Head-to-Head Comparison
The clearest contrast between these two franchises lies in geography and growth strategy. ASB is a Midwest-centric lender aggressively expanding its commercial banking footprint and leaning into C&I relationships, a move that supports margins but concentrates its risk in commercial and CRE lending. FHN, by comparison, runs a more diversified Southeast franchise with meaningful fee-income contributions from wealth management, treasury management, and fixed income, providing some counter-cyclical balance when rates decline. On relative performance, ASB has demonstrated stronger recent momentum and a higher dividend yield, while FHN offers steadier profitability but has faced a post-earnings pullback and underperformance versus close regional peers. Risk factors differ as well: ASB's principal concern is rising credit losses, whereas FHN's revolves around deposit repricing and softer capital ratios following aggressive buybacks. Market sentiment currently tilts slightly more favorably toward ASB's momentum, even as FHN's diversification argues for resilience.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward ASB at present. The stock's stronger trend consistency, favorable relative performance, higher dividend yield, and more constructive analyst consensus provide a clearer short-to-intermediate-term signal than FHN's steadier but currently softer momentum profile. That said, the verdict is probabilistic rather than definitive: ASB's rising net charge-offs and commercial credit exposure represent meaningful counterweights, while FHN's diversified revenue base and disciplined profitability could reassert themselves if regional-bank sentiment stabilizes. In an environment where momentum and relative positioning matter, ASB appears marginally better aligned with the prevailing market trend, but both names warrant ongoing monitoring as catalysts develop.
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.
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 Hold and FHN is a StrongBuy.
Momentum Indicator for ASB turns positive, indicating new upward trend
ASB saw its Momentum Indicator move above the 0 level on October 20, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 92 similar instances where the indicator turned positive. In 65 of the 92 cases, the stock moved higher in the following days. The odds of a move higher are at 71%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where ASB's RSI Indicator exited the oversold zone, 16 of 27 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 59%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 36 of 58 cases where ASB's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 62%.
The Moving Average Convergence Divergence (MACD) for ASB just turned positive on October 09, 2026. Looking at past instances where ASB's MACD turned positive, the stock continued to rise in 30 of 45 cases over the following month. The odds of a continued upward trend are 67%.
Following a +2.22% 3-day Advance, the price is estimated to grow further. Considering data from situations where ASB advanced for three days, in 176 of 302 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
ASB may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ASB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 61%.
The Aroon Indicator for ASB entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 11 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 33 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron Valuation Rating of 42 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.009) is normal, around the industry mean (1.241). P/E Ratio (10.101) is within average values for comparable stocks, (13.089). Projected Growth (PEG Ratio) (0.340) is also within normal values, averaging (1.190). Dividend Yield (0.033) settles around the average of (0.036) among similar stocks. P/S Ratio (3.203) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 52 (best 1 - 100 worst), indicating fairly steady price growth. ASB’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 95 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
FHN in upward trend: price may jump up because it broke its lower Bollinger Band on October 13, 2026
FHN may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options. In 29 of 38 cases where FHN's price broke its lower Bollinger Band, its price rose further in the following month. The odds of a continued upward trend are 76%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where FHN's RSI Indicator exited the oversold zone, 15 of 23 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 65%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 30 of 50 cases where FHN's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 60%.
The Moving Average Convergence Divergence (MACD) for FHN just turned positive on October 15, 2026. Looking at past instances where FHN's MACD turned positive, the stock continued to rise in 31 of 49 cases over the following month. The odds of a continued upward trend are 63%.
Following a +0.93% 3-day Advance, the price is estimated to grow further. Considering data from situations where FHN advanced for three days, in 179 of 321 cases, the price rose further within the following month. The odds of a continued upward trend are 56%.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 09, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on FHN as a result. In 40 of 82 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 49%.
The 50-day moving average for FHN moved below the 200-day moving average on October 19, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where FHN declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 53%.
The Aroon Indicator for FHN entered a downward trend on October 20, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 9 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 39 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.287) is normal, around the industry mean (1.241). P/E Ratio (10.981) is within average values for comparable stocks, (13.089). Projected Growth (PEG Ratio) (0.050) is also within normal values, averaging (1.190). Dividend Yield (0.029) settles around the average of (0.036) among similar stocks. P/S Ratio (3.448) is also within normal values, averaging (3.738).
The Tickeron Profit vs. Risk Rating rating for this company is 55 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock slightly better than average.
The Tickeron Price Growth Rating for this company is 58 (best 1 - 100 worst), indicating fairly steady price growth. FHN’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 62 (best 1 - 100 worst), pointing to average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
ASB | FHN | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 75 | 71 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 42 Fair valued | 39 Fair valued | |
PROFIT vs RISK RATING 1..100 | 33 | 55 | |
SMR RATING 1..100 | 11 | 9 | |
PRICE GROWTH RATING 1..100 | 52 | 58 | |
P/E GROWTH RATING 1..100 | 95 | 62 | |
SEASONALITY SCORE 1..100 | 85 | 75 |
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.
FHN's Valuation (39) in the Regional Banks industry is in the same range as ASB (42). This means that FHN’s stock grew similarly to ASB’s over the last 12 months.
ASB's Profit vs Risk Rating (33) in the Regional Banks industry is in the same range as FHN (55). This means that ASB’s stock grew similarly to FHN’s over the last 12 months.
FHN's SMR Rating (9) in the Regional Banks industry is in the same range as ASB (11). This means that FHN’s stock grew similarly to ASB’s over the last 12 months.
ASB's Price Growth Rating (52) in the Regional Banks industry is in the same range as FHN (58). This means that ASB’s stock grew similarly to FHN’s over the last 12 months.
FHN's P/E Growth Rating (62) in the Regional Banks industry is somewhat better than the same rating for ASB (95). This means that FHN’s stock grew somewhat faster than ASB’s over the last 12 months.
| ASB | FHN | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 59% | 1 day ago 65% |
| Stochastic ODDS (%) | 1 day ago 62% | 1 day ago 60% |
| Momentum ODDS (%) | 1 day ago 71% | 1 day ago 49% |
| MACD ODDS (%) | 1 day ago 67% | 1 day ago 63% |
| TrendWeek ODDS (%) | 1 day ago 60% | 1 day ago 56% |
| TrendMonth ODDS (%) | 1 day ago 59% | 1 day ago 52% |
| Advances ODDS (%) | 5 days ago 58% | 5 days ago 56% |
| Declines ODDS (%) | 7 days ago 61% | 7 days ago 53% |
| BollingerBands ODDS (%) | 1 day ago 60% | 1 day ago 76% |
| Aroon ODDS (%) | 1 day ago 56% | 1 day ago 58% |
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 overvalued. 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 while FHN’s FA Score has 1 green FA rating(s).
- ASB’s FA Score: 2 green, 3 red.
- FHN’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 6 TA indicator(s) are bullish while FHN’s TA Score has 5 bullish TA indicator(s).
- ASB’s TA Score: 6 bullish, 2 bearish.
- FHN’s TA Score: 5 bullish, 4 bearish.
Price Growth
ASB (@Regional Banks) experienced а +1.86% price change this week, while FHN (@Regional Banks) price change was +1.27% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.87%. For the same industry, the average monthly price growth was -2.29%, and the average quarterly price growth was +6.77%.
Reported Earning Dates
ASB is expected to report earnings on Oct 22, 2026.
FHN is expected to report earnings on Jan 21, 2027.
Industries' Descriptions
@Regional Banks (+0.87% 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.
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ASB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ASB has been closely correlated with ONB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if ASB jumps, then ONB could also see price increases.