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ASB vs USB
Which Stock Would AI Choose? Associated Banc-Corp (ASB) vs. U.S. Bancorp (USB) Stock Comparison
Key Takeaways
- ASB is a Wisconsin-based regional lender that recently closed a strategic acquisition, while USB is a much larger, diversified super-regional bank with a sizable payments and fee-based business.
- USB generates roughly 44–45% of revenue from fee income, giving it a more diversified earnings mix than the more lending-centric ASB.
- Both banks delivered year-over-year net interest income growth in recent quarters, supported by loan growth and deposit momentum.
- ASB carries a heavier tilt toward commercial and commercial real estate lending, while USB spans consumer, wealth, capital markets, and payments.
- Capital positions are broadly comparable, with both companies reporting common equity tier 1 (CET1, a key measure of a bank's core capital strength) ratios in the 10–11% range.
Introduction
Investors comparing ASB and USB are effectively weighing two very different profiles within the U.S. banking sector. Associated Banc-Corp is a Midwest-focused regional bank executing a growth strategy built on commercial lending and a recent acquisition, while U.S. Bancorp is a national-scale super-regional with a diversified revenue base spanning payments, wealth management, and capital markets. This stock comparison is relevant for traders seeking to understand relative performance, market positioning, and momentum between a smaller, higher-growth lender and a larger, more stable financial franchise. The contrast in scale, business mix, and growth drivers makes these two names a useful lens for evaluating regional versus diversified bank exposure in the current environment.
ASB Overview and Recent Performance
Associated Banc-Corp, headquartered in Green Bay, Wisconsin, is the largest bank holding company based in that state and a leading Midwest banking franchise with roughly $52 billion in total assets. In recent weeks, the company's results have been shaped by sustained organic growth and the integration of American National Corporation, an acquisition that closed in early April and extended its presence into growth markets such as Omaha and the Twin Cities.
Recent market activity has reflected solid fundamentals. The company reported second-quarter net interest income that rose meaningfully on both a sequential and year-over-year basis, with a net interest margin (NIM, the spread between what a bank earns on loans and pays on deposits) of 3.17%. Loan and core customer deposit growth remained strong, and the firm's CET1 capital ratio held near 10.5%. However, sentiment has also been tempered by a heavier commercial and commercial real estate lending mix and modestly rising net charge-offs (loans written off as uncollectible), which analysts monitor closely. The stock has delivered a strong year-to-date and one-year total return, supported by an improved earnings outlook and a higher price target from at least one sell-side firm.
USB Overview and Recent Performance
U.S. Bancorp, headquartered in Minneapolis, is one of the largest banks in the United States, with roughly $700 billion in assets and operations spanning 26 states primarily across the Midwest and West. Its scale and diversification distinguish it from regional peers, with a fee complex covering payments, trust and investment services, capital markets, and consumer banking that accounts for nearly half of total revenue.
In recent quarters, the company reported year-over-year growth in both net interest income and fee revenue, along with meaningful positive operating leverage (revenue growing faster than expenses). Net interest margin has held in the upper-2% range, and the bank has emphasized disciplined expense management while reinvesting in technology and its branch network. A key development has been the acquisition of BTIG, a move designed to expand its capital markets and investment banking capabilities. Market sentiment has been broadly constructive, with several analysts raising price targets after recent results, though near-term share price movement has been more mixed as investors weigh credit costs and competitive pressures in payments.
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Head-to-Head Comparison
The most important contrast between these two stocks is diversification versus focus. USB benefits from a multi-pronged revenue model in which payments and fee-based businesses provide a cushion against interest-rate swings, while ASB is more directly leveraged to lending volumes, loan yields, and the health of its commercial credit book.
On growth, ASB has shown comparatively faster percentage loan and deposit expansion, amplified by its recent acquisition and expansion into new metropolitan markets. USB grows off a much larger base and is pursuing more incremental expansion through capital markets, payments, and consumer franchise investments. This creates a classic trade-off: a smaller, higher-growth regional story versus a larger, steadier, and more diversified national franchise.
Risk profiles also differ. ASB carries a heavier concentration in commercial and commercial real estate lending, areas that can be sensitive to regional economic conditions. USB faces its own exposures, including credit costs across a broad consumer and commercial loan book and competitive dynamics in payments, but its size and revenue diversification generally provide greater earnings stability.
Tickeron AI Verdict
Based on observable factors such as trend consistency, stability, and relative positioning, Tickeron's AI would likely weigh the two names on different strengths. ASB offers stronger recent growth momentum and a clearer earnings inflection tied to its acquisition and commercial expansion, which may appeal to momentum-oriented models. USB presents more consistent earnings, a diversified revenue base, and steadier capital and credit metrics, characteristics that tend to align with trend-following strategies seeking lower volatility. Consequently, a diversified AI approach might favor USB for its stability and breadth of catalysts, while acknowledging that ASB could carry greater upside potential if its growth trajectory continues. Any such assessment remains probabilistic and dependent on prevailing market conditions.
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 StrongBuy and USB is a Hold.
ASB | USB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 67 | 64 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 25 Undervalued | 39 Fair valued | |
PROFIT vs RISK RATING 1..100 | 36 | 70 | |
SMR RATING 1..100 | 11 | 4 | |
PRICE GROWTH RATING 1..100 | 56 | 56 | |
P/E GROWTH RATING 1..100 | 98 | 37 | |
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.
ASB's Valuation (25) in the Regional Banks industry is in the same range as USB (39) in the Major Banks industry. This means that ASB’s stock grew similarly to USB’s over the last 12 months.
ASB's Profit vs Risk Rating (36) in the Regional Banks industry is somewhat better than the same rating for USB (70) in the Major Banks industry. This means that ASB’s stock grew somewhat faster than USB’s over the last 12 months.
USB's SMR Rating (4) in the Major Banks industry is in the same range as ASB (11) in the Regional Banks industry. This means that USB’s stock grew similarly to ASB’s over the last 12 months.
USB's Price Growth Rating (56) in the Major Banks industry is in the same range as ASB (56) in the Regional Banks industry. This means that USB’s stock grew similarly to ASB’s over the last 12 months.
USB's P/E Growth Rating (37) in the Major Banks industry is somewhat better than the same rating for ASB (98) in the Regional Banks industry. This means that USB’s stock grew somewhat faster than ASB’s over the last 12 months.
| ASB | USB | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 81% | 2 days ago 76% |
| Stochastic ODDS (%) | 2 days ago 76% | 2 days ago 63% |
| Momentum ODDS (%) | 2 days ago 60% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 62% | N/A |
| TrendWeek ODDS (%) | 2 days ago 60% | 2 days ago 60% |
| TrendMonth ODDS (%) | 2 days ago 59% | 2 days ago 59% |
| Advances ODDS (%) | 5 days ago 59% | 29 days ago 59% |
| Declines ODDS (%) | 3 days ago 60% | 11 days ago 61% |
| BollingerBands ODDS (%) | 2 days ago 85% | 2 days ago 74% |
| Aroon ODDS (%) | 2 days ago 61% | 2 days ago 64% |
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 USB’s FA Score has 1 green FA rating(s).
- ASB’s FA Score: 2 green, 3 red.
- USB’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 4 TA indicator(s) are bullish while USB’s TA Score has 4 bullish TA indicator(s).
- ASB’s TA Score: 4 bullish, 5 bearish.
- USB’s TA Score: 4 bullish, 4 bearish.
Price Growth
ASB (@Regional Banks) experienced а +0.14% price change this week, while USB (@Regional Banks) price change was -0.58% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.53%. For the same industry, the average monthly price growth was -3.76%, and the average quarterly price growth was +5.68%.
Reported Earning Dates
ASB is expected to report earnings on Oct 22, 2026.
USB is expected to report earnings on Oct 15, 2026.
Industries' Descriptions
@Regional Banks (-1.53% 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.
USB and
Correlation & Price change
A.I.dvisor indicates that over the last year, USB has been closely correlated with PNC. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if USB jumps, then PNC could also see price increases.