Associated Bank vs F&G

Associated Bank (Associated Banc-Corp) and F&G ANNUITIES & LIFE INC are compared here for business models, financial performance, and market context in a neutral, accessible overview. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

ASB

Metric

$4.34B

Market Cap

$3.62B

5.89%

Potential Profit

14.00%

Hold

Analyst Rating

Hold

Investment Analysis

Associated Bank

ASB

Pros

Associated Banc-Corp has completed a balance sheet repositioning, improving profitability and fundamental strength.
The bank is forecast to deliver strong earnings growth, with analysts projecting a 29% annual increase over the next year.
It offers a reliable dividend yield above 3.5%, supported by a history of consistent payouts to shareholders.

Considerations

Associated Banc-Corp trades at a price-to-earnings ratio above the industry average, reflecting relatively high valuation.
The company's debt-to-equity ratio is elevated, which could constrain financial flexibility in a rising rate environment.
Its stock performance is closely tied to regional economic conditions, making it sensitive to local market fluctuations.

F&G

Pros

F&G has a strong presence in the annuities and life insurance market, benefiting from long-term demographic trends.
The company maintains a diversified product portfolio, helping to mitigate risks from interest rate volatility.
F&G has demonstrated solid operating efficiency, with consistent underwriting margins in recent quarters.

Considerations

F&G's earnings are highly sensitive to changes in interest rates, which can impact investment returns and profitability.
The business faces regulatory scrutiny and compliance costs associated with insurance and annuity products.
Competition in the annuities sector is intense, pressuring pricing and market share growth.

About The Companies

Associated Bank (ASB)

Associated Banc-Corp is a US-based bank holding company offering a wide spectrum of financial products and services. Operating through its main subsidiary, Associated Bank, it serves individuals and businesses across more than 100 communities in Wisconsin, Illinois, Minnesota, and Missouri. The company's operations are categorised into key segments. Its Corporate and Commercial Specialty division caters to larger businesses and municipalities with lending and deposit solutions. The Community, Consumer, and Business arm provides everyday banking, lending, and investment services to individuals and smaller enterprises. With a substantial regional presence and a diverse service portfolio, Associated Banc-Corp represents a significant player in the Midwestern financial landscape. As with any bank, its performance can be influenced by economic conditions and interest rate changes. Remember, past performance is not an indicator of future results.

F&G (FG)

F&G Annuities & Life Inc (ticker: FG) is a US-focused provider of retirement solutions, chiefly annuities and life insurance. The company earns revenue from premiums, investment income on reserves and fees tied to its retirement products. With a market capitalisation of about $3.98bn, F&G operates in a highly regulated, capital-intensive sector where interest rates, portfolio yields and longevity assumptions materially affect profitability. Investors should note the company’s sensitivity to changes in market interest rates (which influence annuity pricing and margins), credit performance of invested assets, and shifting regulatory or capital requirements. New business growth, product mix and hedging strategies are important to watch. The stock can offer exposure to ageing-demographic trends and retirement demand, but performance may be volatile and past performance is not a guide to future returns. This information is educational only and not personalised investment advice; suitability depends on individual circumstances.

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Associated Bank vs F&G

Comparison Snapshot

Investment Analysis

Associated Bank

Pros

Considerations

F&G

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy ASB or FG in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

What does a balance sheet repositioning mean for a company like Associated Banc-Corp, and why is it important to compare it with F&G ANNUITIES & LIFE INC?

How does dividend yield influence the attractiveness of these two stocks in a long-term view?

What does it mean when a stock’s price-to-earnings ratio is higher than the industry average in this context?

How should earnings growth projections shape your view of the two companies?

Why is diversified product portfolios important when evaluating F&G ANNUITIES & LIFE INC?

How do interest rate movements affect both Associated Banc-Corp and F&G differently?

What market risks should a beginner recognise when comparing a bank stock to an insurer in this pair?

What data points should a reader look for beyond earnings and yields when comparing these two stocks?

How should a beginner interpret the statement that stock performance is tied to local market conditions for Associated Banc-Corp?

What is the educational purpose of presenting a stock-to-stock comparison like this without financial advice?

Comparison Snapshot

About The Companies