Pricing Log in Create free account

Nicolet Bankshares Inc. (NIC) vs Towne Bank (TOWN)

Nicolet Bankshares Inc. and Towne Bank are both Banks Regional companies. Nicolet Bankshares Inc. and Towne Bank are of similar size ($3.5B and $3.3B). Towne Bank trades at the lower P/E: 9.9× against 18.2×. Towne Bank grew revenue faster over the last twelve months: 36.6% against 31.6%. Towne Bank has the higher net margin (22.3% vs 21.8%) and the higher return on invested capital (19.6% vs 8.02%). Across the 18 metrics below, Towne Bank leads on 10 and Nicolet Bankshares Inc. on 8.

Valuation

Metric NIC TOWN Banks Regional median
P/E 18.18 9.91 11.98
P/S 4.92 2.29 2.34
P/B 1.53 1.09 1.19
Price to free cash flow 19.40 24.69 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.50% 10.09% 8.23%
Free cash flow yield 5.15% 4.05% 9.08%

Profitability

Metric NIC TOWN Banks Regional median
Gross margin 73.37% 79.29% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.77% 22.33% 18.66%
Free cash flow margin 25.38% 9.26% 21.11%
Return on equity 8.91% 12.18% 10.65%
Return on assets 1.27% 1.56% 1.13%
Return on invested capital 8.02% 19.56% 8.35%

Growth

Metric NIC TOWN Banks Regional median
Revenue growth (TTM) 31.61% 36.61% 6.98%
EPS growth (last fiscal year) 21.49% 2.79% 18.88%
Revenue growth, 5-year CAGR 21.31% 8.48% 12.38%
Net income growth, 5-year CAGR 20.17% 3.10% 9.71%

Health

Metric NIC TOWN Banks Regional median
Debt to equity 0.04 0.04 0.22
Current ratio 0.90 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NIC TOWN Banks Regional median
Dividend yield — 3.10% 2.57%
Payout ratio — 0.31 0.30

Size

Metric NIC TOWN Banks Regional median
Market cap 3.45b 3.26b 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack