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First Financial Bancorp. (FFBC) vs Nicolet Bankshares Inc. (NIC)

First Financial Bancorp. and Nicolet Bankshares Inc. are both Banks Regional companies. First Financial Bancorp. and Nicolet Bankshares Inc. are of similar size ($3.6B and $3.4B). First Financial Bancorp. trades at the lower P/E: 11.3× against 18.7×. Nicolet Bankshares Inc. grew revenue faster over the last twelve months: 45.7% against 13.2%. Nicolet Bankshares Inc. has the higher net margin (22.1% vs 20.8%) and the higher return on invested capital (9.55% vs 7.45%). Across the 18 metrics below, Nicolet Bankshares Inc. leads on 11 and First Financial Bancorp. on 7.

Valuation

Metric FFBC NIC Banks Regional median
P/E 11.26 18.65 12.02
P/S 2.39 4.54 2.36
P/B 1.17 1.62 1.23
Price to free cash flow 4.63 18.28 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.88% 5.36% 8.21%
Free cash flow yield 21.62% 5.47% 9.23%

Profitability

Metric FFBC NIC Banks Regional median
Gross margin 74.03% 74.20% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.79% 22.11% 18.82%
Free cash flow margin 0.00% 24.86% 17.97%
Return on equity 10.68% 10.21% 10.28%
Return on assets 1.44% 1.46% 1.13%
Return on invested capital 7.45% 9.55% 8.45%

Growth

Metric FFBC NIC Banks Regional median
Revenue growth (TTM) 13.23% 45.66% 6.37%
EPS growth (last fiscal year) 10.83% 21.49% 18.85%
Revenue growth, 5-year CAGR 12.02% 21.31% 12.65%
Net income growth, 5-year CAGR 10.41% 20.17% 9.81%

Health

Metric FFBC NIC Banks Regional median
Debt to equity 0.33 0.04 0.17
Current ratio 0.85 0.90 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FFBC NIC Banks Regional median
Dividend yield 3.10% — 2.49%
Payout ratio 0.35 — 0.29

Size

Metric FFBC NIC Banks Regional median
Market cap 3.42b 3.59b 934.85m

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