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Community Financial System, Inc. (CBU) vs Nicolet Bankshares Inc. (NIC)

Community Financial System, Inc. and Nicolet Bankshares Inc. are both Banks Regional companies. Community Financial System, Inc. and Nicolet Bankshares Inc. are of similar size ($3.6B and $3.4B). Community Financial System, Inc. trades at the lower P/E: 14.7× against 18.7×. Nicolet Bankshares Inc. grew revenue faster over the last twelve months: 45.7% against 6.94%. Nicolet Bankshares Inc. has the higher net margin (22.1% vs 22.0%) and the higher return on invested capital (9.55% vs 9.50%). Across the 18 metrics below, Nicolet Bankshares Inc. leads on 12 and Community Financial System, Inc. on 6.

Valuation

Metric CBU NIC Banks Regional median
P/E 14.66 18.65 12.02
P/S 3.23 4.54 2.36
P/B 1.66 1.62 1.23
Price to free cash flow 13.81 18.28 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.82% 5.36% 8.21%
Free cash flow yield 7.24% 5.47% 9.23%

Profitability

Metric CBU NIC Banks Regional median
Gross margin 82.75% 74.20% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.00% 22.11% 18.82%
Free cash flow margin 0.00% 24.86% 17.97%
Return on equity 0.00% 10.21% 10.28%
Return on assets 1.35% 1.46% 1.13%
Return on invested capital 9.50% 9.55% 8.45%

Growth

Metric CBU NIC Banks Regional median
Revenue growth (TTM) 6.94% 45.66% 6.37%
EPS growth (last fiscal year) 15.41% 21.49% 18.85%
Revenue growth, 5-year CAGR 10.35% 21.31% 12.65%
Net income growth, 5-year CAGR 5.01% 20.17% 9.81%

Health

Metric CBU NIC Banks Regional median
Debt to equity 0.21 0.04 0.17
Current ratio 0.77 0.90 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBU NIC Banks Regional median
Dividend yield 2.93% — 2.49%
Payout ratio 0.43 — 0.29

Size

Metric CBU NIC Banks Regional median
Market cap 3.39b 3.59b 934.85m

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