No connection

Search Results

NIC vs V

NIC
Nicolet Bankshares, Inc.
NEUTRAL
Price
$146.48
Market Cap
$3.12B
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
NIC
17.19
V
28.35
Forward P/E
NIC
11.02
V
20.79
P/B Ratio
NIC
1.72
V
15.09
P/S Ratio
NIC
7.28
V
14.08
EV/EBITDA
NIC
--
V
20.06

Profitability

Gross Margin
NIC
0.0%
V
97.78%
Operating Margin
NIC
50.52%
V
68.3%
Profit Margin
NIC
31.09%
V
50.23%
ROE
NIC
7.75%
V
53.95%
ROA
NIC
1.09%
V
18.36%

Growth

Revenue Growth
NIC
46.5%
V
14.6%
Earnings Growth
NIC
-61.1%
V
17.4%

Financial Health

Debt/Equity
NIC
--
V
0.55
Current Ratio
NIC
--
V
1.11
Quick Ratio
NIC
--
V
0.72

Dividends

Dividend Yield
NIC
0.9%
V
0.89%
Payout Ratio
NIC
15.04%
V
22.91%

AI Verdict

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

NIC vs V: Head-to-Head Comparison

This page compares Nicolet Bankshares, Inc. (NIC) and Visa Inc. (V) 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.

Home
Terminal
AI Chat
Markets
Profile