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MA vs NIC

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NIC
Nicolet Bankshares, Inc.
NEUTRAL
Price
$146.48
Market Cap
$3.12B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
NIC
17.19
Forward P/E
MA
22.05
NIC
11.02
P/B Ratio
MA
57.74
NIC
1.72
P/S Ratio
MA
13.6
NIC
7.28
EV/EBITDA
MA
22.13
NIC
--

Profitability

Gross Margin
MA
100.0%
NIC
0.0%
Operating Margin
MA
57.73%
NIC
50.52%
Profit Margin
MA
45.65%
NIC
31.09%
ROE
MA
209.91%
NIC
7.75%
ROA
MA
23.72%
NIC
1.09%

Growth

Revenue Growth
MA
17.6%
NIC
46.5%
Earnings Growth
MA
24.2%
NIC
-61.1%

Financial Health

Debt/Equity
MA
2.56
NIC
--
Current Ratio
MA
1.03
NIC
--
Quick Ratio
MA
0.68
NIC
--

Dividends

Dividend Yield
MA
0.7%
NIC
0.9%
Payout Ratio
MA
18.4%
NIC
15.04%

AI Verdict

MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56
NIC NEUTRAL

Nicolet Bankshares presents a dichotomy between strong operational growth and deteriorating financial health indicators. The deterministic baseline is weak, highlighted by a Piotroski F-Score of 2/9, suggesting significant internal financial stress despite a consistent track record of earnings beats. While the stock trades at a premium to its Intrinsic Value ($59.64) and Graham Number ($127.71), its strong revenue growth (46.5%) and analyst target of $174.20 provide a bullish counter-narrative. Overall, the combination of bearish insider activity and poor health scores offsets the impressive earnings trajectory.

Strengths
Exceptional revenue growth of 46.50% YoY
Consistent earnings beat record (3 of last 4 quarters)
Very low dividend payout ratio (15.04%) indicating sustainability
Risks
Critical financial health warning via Piotroski F-Score (2/9)
Significant valuation gap between current price ($146.48) and Intrinsic Value ($59.64)
Bearish insider sentiment with $1.99M in recent sales

Compare Another Pair

MA vs NIC: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Nicolet Bankshares, Inc. (NIC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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