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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 ($3.6B and $3.4B). Towne Bank trades at the lower P/E: 10.2× against 18.7×. Nicolet Bankshares Inc. grew revenue faster over the last twelve months: 45.7% against 36.6%. Towne Bank has the higher net margin (22.3% vs 22.1%) and the higher return on invested capital (19.6% vs 9.55%). Across the 18 metrics below, Nicolet Bankshares Inc. leads on 9 and Towne Bank on 9.

Valuation

Metric NIC TOWN Banks Regional median
P/E 18.65 10.22 12.02
P/S 4.54 2.36 2.36
P/B 1.62 1.12 1.23
Price to free cash flow 18.28 25.47 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.36% 9.78% 8.21%
Free cash flow yield 5.47% 3.93% 9.23%

Profitability

Metric NIC TOWN Banks Regional median
Gross margin 74.20% 79.29% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.11% 22.33% 18.82%
Free cash flow margin 24.86% 9.26% 17.97%
Return on equity 10.21% 12.18% 10.28%
Return on assets 1.46% 1.56% 1.13%
Return on invested capital 9.55% 19.56% 8.45%

Growth

Metric NIC TOWN Banks Regional median
Revenue growth (TTM) 45.66% 36.61% 6.37%
EPS growth (last fiscal year) 21.49% 2.79% 18.85%
Revenue growth, 5-year CAGR 21.31% 8.48% 12.65%
Net income growth, 5-year CAGR 20.17% 3.10% 9.81%

Health

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

Dividend

Metric NIC TOWN Banks Regional median
Dividend yield — 3.01% 2.49%
Payout ratio — 0.31 0.29

Size

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

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