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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
- Associated Banc-Corp is a Midwestern regional bank with a roughly $5.4 billion market capitalization, while U.S. Bancorp is a national super-regional lender valued near $90 billion.
- Both names share a regional banking business model, but USB operates a far more diversified franchise, including payments and wealth management.
- ASB has posted stronger year-to-date and one-year returns recently, while USB offers deeper scale, higher return on equity, and broader fee income.
- USB generates meaningfully higher return on equity (about 12.8% versus roughly 9.7%) and return on assets, reflecting its larger, more efficient platform.
- Both stocks pulled back modestly in recent weeks amid broader bank-sector volatility, creating a useful lens for comparing relative performance and market positioning.
Introduction
Investors evaluating regional and super-regional bank stocks often weigh growth potential against scale and diversification. ASB (Associated Banc-Corp) and USB (U.S. Bancorp) sit on different points of that spectrum. This stock comparison examines their business models, recent price behavior, and relative performance to help traders and investors understand how the two financial institutions are positioned in the current market environment.
ASB Overview and Recent Performance
ASB, or Associated Banc-Corp, is a Wisconsin-headquartered bank holding company serving commercial and consumer clients primarily across the Midwest. It operates through corporate and commercial specialty, community and consumer, and risk management segments, with most revenue derived from lending and deposit-based banking.
In recent market activity, ASB has delivered solid relative performance. Its shares have gained roughly 14% year to date and about 21% over the trailing one-year period, supported by improving revenue and earnings growth. The company's trailing revenue has risen notably, and earnings per share (EPS) have expanded sharply from the prior-year level. With a price-to-earnings ratio around 10 and a dividend yield of about 3.3%, ASB trades at an accessible valuation relative to larger peers.
Sentiment has been shaped by credit trends, net interest income dynamics, and balance sheet positioning. The stock pulled back in recent weeks alongside the broader banking sector, though its longer-term trend remains constructive and its beta of roughly 0.8 suggests lower price volatility than the market average.
USB Overview and Recent Performance
USB, or U.S. Bancorp, is a Minneapolis-based financial services holding company and the parent of U.S. Bank. Unlike a traditional regional lender, USB operates a diversified franchise spanning consumer and business banking, payment services, wealth management, and corporate and institutional banking across the United States.
In recent market activity, USB has also performed well, gaining approximately 11% year to date and more than 30% over the trailing one-year period. The bank has benefited from strong fee income growth, an improving net interest margin, and disciplined cost management. USB consistently posts return on equity above 12%, reflecting the efficiency of its scaled platform. It trades near 11 times earnings with a dividend yield approaching 3.7%.
Recent sentiment has been influenced by payments and fee revenue momentum, credit quality trends, and capital levels. Like ASB, USB experienced a modest pullback in recent weeks, but its diversified revenue streams and national footprint provide a different risk and growth profile than a purely regional lender.
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Head-to-Head Comparison
The most significant contrast between ASB and USB is scale and diversification. USB's roughly $90 billion market capitalization and national payments and wealth businesses dwarf ASB's approximately $5.4 billion valuation and Midwest-centric footprint. USB's broader revenue mix, including meaningful non-interest income, provides a cushion against interest-rate swings that a more loan-dependent regional bank like ASB may not fully share.
On growth and valuation, the trade-off shifts. ASB trades at a slightly lower price-to-earnings multiple and has delivered stronger recent percentage gains, reflecting its smaller base and higher revenue growth rate. USB, by contrast, offers higher return on equity and return on assets, signaling more efficient capital use. Risk factors also differ: ASB carries greater concentration risk tied to regional commercial real estate and lending, while USB's larger scale exposes it to broader macro and payment-industry trends. Both stocks remain sensitive to net interest margin and credit conditions, but their market positioning leads investors to weigh growth against stability.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward USB at present. Its diversified revenue streams, higher and more consistent return on equity, and stronger relative stability position it favorably for trend consistency. However, ASB may retain an edge in momentum and valuation, given its faster growth and lower multiple. The AI's preference is best understood in probabilistic terms: USB appears the steadier, more diversified holding, while ASB offers higher-beta upside for investors comfortable with a regional footprint.
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 USB is a Hold.
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 91 similar instances where the indicator turned positive. In 60 of the 91 cases, the stock moved higher in the following days. The odds of a move higher are at 66%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where ASB's RSI Oscillator exited the oversold zone, 17 of 27 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 63%.
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 23 of 45 cases over the following month. The odds of a continued upward trend are 51%.
ASB moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +3.53% 3-day Advance, the price is estimated to grow further. Considering data from situations where ASB advanced for three days, in 174 of 300 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
Bearish Trend Analysis
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
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%.
ASB broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
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 (1.048) is normal, around the industry mean (1.269). P/E Ratio (10.490) is within average values for comparable stocks, (13.317). Projected Growth (PEG Ratio) (0.340) is also within normal values, averaging (1.190). Dividend Yield (0.032) settles around the average of (0.035) 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 46 (best 1 - 100 worst), indicating steady price growth. ASB’s price grows at a higher 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.
USB's RSI Oscillator climbs out of oversold territory
The RSI Oscillator for USB moved out of oversold territory on October 08, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 29 similar instances when the indicator left oversold territory. In 23 of the 29 cases the stock moved higher. This puts the odds of a move higher at 79%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 15, 2026. You may want to consider a long position or call options on USB as a result. In 49 of 94 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 52%.
The Moving Average Convergence Divergence (MACD) for USB just turned positive on October 12, 2026. Looking at past instances where USB's MACD turned positive, the stock continued to rise in 29 of 44 cases over the following month. The odds of a continued upward trend are 66%.
Following a +4.39% 3-day Advance, the price is estimated to grow further. Considering data from situations where USB advanced for three days, in 176 of 303 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
Bearish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 4 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
USB moved below its 50-day moving average on October 23, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where USB 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 62%.
USB broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for USB entered a downward trend on October 19, 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 4 (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 PE Growth Rating for this company is 28 (best 1 - 100 worst), pointing to outstanding 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 Price Growth Rating for this company is 46 (best 1 - 100 worst), indicating steady price growth. USB’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 73 (best 1 - 100 worst) indicates that the company is slightly overvalued 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 (1.531) is normal, around the industry mean (1.269). P/E Ratio (11.892) is within average values for comparable stocks, (13.317). Projected Growth (PEG Ratio) (1.773) is also within normal values, averaging (1.190). Dividend Yield (0.036) settles around the average of (0.035) among similar stocks. P/S Ratio (3.141) is also within normal values, averaging (3.738).
The Tickeron Profit vs. Risk Rating rating for this company is 73 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. USB’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock worse than average.
ASB | USB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 37 | 17 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 42 Fair valued | 73 Overvalued | |
PROFIT vs RISK RATING 1..100 | 33 | 73 | |
SMR RATING 1..100 | 11 | 4 | |
PRICE GROWTH RATING 1..100 | 46 | 46 | |
P/E GROWTH RATING 1..100 | 95 | 28 | |
SEASONALITY SCORE 1..100 | 85 | n/a |
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 (42) in the Regional Banks industry is in the same range as USB (73) 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 (33) in the Regional Banks industry is somewhat better than the same rating for USB (73) 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 (46) in the Major Banks industry is in the same range as ASB (46) 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 (28) in the Major Banks industry is significantly better than the same rating for ASB (95) in the Regional Banks industry. This means that USB’s stock grew significantly faster than ASB’s over the last 12 months.
| ASB | USB | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 63% | 1 day ago 79% |
| Stochastic ODDS (%) | 1 day ago 63% | 1 day ago 56% |
| Momentum ODDS (%) | 1 day ago 66% | 1 day ago 52% |
| MACD ODDS (%) | 1 day ago 51% | 1 day ago 66% |
| TrendWeek ODDS (%) | 1 day ago 60% | 1 day ago 60% |
| TrendMonth ODDS (%) | 1 day ago 56% | 1 day ago 57% |
| Advances ODDS (%) | 1 day ago 58% | 9 days ago 58% |
| Declines ODDS (%) | 11 days ago 61% | 11 days ago 62% |
| BollingerBands ODDS (%) | 1 day ago 60% | 1 day ago 61% |
| Aroon ODDS (%) | 1 day ago 60% | 1 day ago 68% |
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 2 green FA rating(s).
- ASB’s FA Score: 2 green, 3 red.
- USB’s FA Score: 2 green, 3 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 USB’s TA Score has 4 bullish TA indicator(s).
- ASB’s TA Score: 5 bullish, 4 bearish.
- USB’s TA Score: 4 bullish, 5 bearish.
Price Growth
ASB (@Regional Banks) experienced а +4.32% price change this week, while USB (@Regional Banks) price change was +1.45% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.29%. For the same industry, the average monthly price growth was +1.59%, and the average quarterly price growth was +9.12%.
Reported Earning Dates
ASB is expected to report earnings on Jan 28, 2027.
USB is expected to report earnings on Jan 19, 2027.
Industries' Descriptions
@Regional Banks (+2.29% 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.
| Ticker / NAME | Correlation To ASB | 1D Price Change % | ||
|---|---|---|---|---|
| ASB | 100% | +1.34% | ||
| ONB - ASB | 91% Closely correlated | +0.64% | ||
| FULT - ASB | 90% Closely correlated | +1.37% | ||
| FNB - ASB | 89% Closely correlated | N/A | ||
| KEY - ASB | 87% Closely correlated | -0.61% | ||
| SBCF - ASB | 86% Closely correlated | -0.27% | ||
More | ||||
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 88% 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.