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Associated Banc-Corp (ASB) vs F.N.B. Corporation (FNB)

Associated Banc-Corp and F.N.B. Corporation are both Banks Regional companies. F.N.B. Corporation is the larger, with a market value of $6.3B against $5.7B — 1.1× the size. Associated Banc-Corp trades at the lower P/E: 10.5× against 10.5×. Associated Banc-Corp grew revenue faster over the last twelve months: 22.9% against 2.62%. F.N.B. Corporation has the higher net margin (22.5% vs 19.4%) and the higher return on invested capital (7.39% vs 4.95%). Both pay a dividend; Associated Banc-Corp yields more (3.14% vs 2.79%). Across the 19 metrics below, Associated Banc-Corp leads on 11 and F.N.B. Corporation on 8.

Valuation

Metric ASB FNB Banks Regional median
P/E 10.49 10.54 12.02
P/S 2.16 2.35 2.36
P/B 1.08 0.93 1.23
Price to free cash flow 6.71 8.77 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.54% 9.49% 8.21%
Free cash flow yield 14.91% 11.40% 9.23%

Profitability

Metric ASB FNB Banks Regional median
Gross margin 63.62% 68.05% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.35% 22.45% 18.82%
Free cash flow margin 32.14% 26.74% 17.97%
Return on equity 10.31% 9.03% 10.28%
Return on assets 1.07% 1.19% 1.13%
Return on invested capital 4.95% 7.39% 8.45%

Growth

Metric ASB FNB Banks Regional median
Revenue growth (TTM) 22.93% 2.62% 6.37%
EPS growth (last fiscal year) 284.72% 22.83% 18.85%
Revenue growth, 5-year CAGR 11.50% 13.61% 12.65%
Net income growth, 5-year CAGR 9.83% 15.24% 9.81%

Health

Metric ASB FNB Banks Regional median
Debt to equity 0.83 0.26 0.17
Current ratio 0.92 0.91 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASB FNB Banks Regional median
Dividend yield 3.14% 2.79% 2.49%
Payout ratio 0.33 0.29 0.29

Size

Metric ASB FNB Banks Regional median
Market cap 5.67b 6.27b 934.85m

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