Pathward Financial [CASH] vs Nicolet Bankshares [NIC] Detailed Stock Comparison
Pathward Financial
NASDAQ
Loading...
Nicolet Bankshares
NYSE
Loading...
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Pathward Financial wins in 9 metrics, Nicolet Bankshares wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.
View Metrics Details
Vital Metrics Comparison
| Metric | Pathward Financial | Nicolet Bankshares | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.94 | 14.86 | Pathward Financial |
| Price-to-Book Ratio | 2.11 | 1.63 | Nicolet Bankshares |
| Debt-to-Equity Ratio | 0.19 | 0.11 | Nicolet Bankshares |
| PEG Ratio | 0.46 | 0.66 | Pathward Financial |
| Profit Margin (TTM) | 22.72% | 37.26% | Nicolet Bankshares |
| Operating Margin (TTM) | 26.29% | 49.93% | Nicolet Bankshares |
| EBITDA Margin (TTM) | 26.29% | 49.93% | Nicolet Bankshares |
| Return on Equity | 21.21% | 11.89% | Pathward Financial |
| Return on Assets (TTM) | 2.28% | 1.55% | Pathward Financial |
| Free Cash Flow (TTM) | $176.78M | $117.23M | Pathward Financial |
| Dividend Yield | 0.27% | 0.72% | Nicolet Bankshares |
| 1-Year Return | 17.47% | 38.24% | Nicolet Bankshares |
| Price-to-Sales Ratio (TTM) | 2.35 | 5.29 | Pathward Financial |
| Enterprise Value | $1.61B | $1.64B | Nicolet Bankshares |
| EV/Revenue Ratio | 2.20 | 4.50 | Pathward Financial |
| Revenue per Share (TTM) | $31 | $24 | Pathward Financial |
| Earnings per Share (Diluted) | $7.56 | $8.73 | Nicolet Bankshares |
| Beta (Stock Volatility) | 0.63 | 0.77 | Pathward Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Pathward Financial vs Nicolet Bankshares Stock Performance Analysis
Loading Price Chart...
Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Pathward Financial | 4.76% | 4.57% | -2.16% | 1.48% | 2.81% | 8.59% |
| Nicolet Bankshares | 4.98% | 5.37% | -0.82% | 10.80% | 17.29% | 32.22% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Pathward Financial | 17.47% | 131.66% | 305.25% | 439.68% | 606.19% | 1,192.94% |
| Nicolet Bankshares | 38.24% | 75.16% | 123.67% | 313.57% | 751.19% | 751.19% |
Performance & Financial Health Analysis: Pathward Financial vs Nicolet Bankshares
| Metric | CASH | NIC |
|---|---|---|
| Market Information | ||
| Market Cap | $1.73B | $1.93B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 151,380 | 67,410 |
| 90 Day Avg. Volume | 184,090 | 95,023 |
| Last Close | $78.74 | $136.19 |
| 52 Week Range | $62.79 - $86.00 | $90.07 - $141.92 |
| % from 52W High | -8.44% | -4.04% |
| All-Time High | $86.00 (Nov 25, 2024) | $141.97 (Jul 18, 2025) |
| % from All-Time High | -8.44% | -4.07% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.09% | 0.13% |
| Quarterly Earnings Growth | 0.01% | 0.23% |
| Financial Health | ||
| Profit Margin (TTM) | 0.23% | 0.37% |
| Operating Margin (TTM) | 0.26% | 0.50% |
| Return on Equity (TTM) | 0.21% | 0.12% |
| Debt to Equity (MRQ) | 0.19 | 0.11 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $35.67 | $79.74 |
| Cash per Share (MRQ) | $11.26 | $28.45 |
| Operating Cash Flow (TTM) | $227.32M | $153.72M |
| Levered Free Cash Flow (TTM) | $166.82M | $124.06M |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.27% | 0.72% |
| Last 12-Month Dividend | $0.20 | $0.84 |
Valuation & Enterprise Metrics Analysis: Pathward Financial vs Nicolet Bankshares
| Metric | CASH | NIC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.94 | 14.86 |
| Forward P/E | 9.06 | 16.32 |
| PEG Ratio | 0.46 | 0.66 |
| Price to Sales (TTM) | 2.35 | 5.29 |
| Price to Book (MRQ) | 2.11 | 1.63 |
| Market Capitalization | ||
| Market Capitalization | $1.73B | $1.93B |
| Enterprise Value | $1.61B | $1.64B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.20 | 4.50 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.63 | 0.77 |
| Book Value per Share (MRQ) | $35.67 | $79.74 |
Financial Statements Comparison: Pathward Financial vs Nicolet Bankshares
Financial Metrics
Loading Financial Charts...
Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | CASH | NIC |
|---|---|---|
| Revenue/Sales | $123.65M | $95.74M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $37.92M | $44.77M |
| Income Tax | $6.29M | $8.74M |
| Net Income (Profit) | $31.63M | $36.04M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CASH | NIC |
|---|---|---|
| Cash & Equivalents | $597.40M | $572.18M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $33.38M | $156.56M |
| Total Shareholders Equity | $776.43M | $1.18B |
| Retained Earnings | $332.32M | $594.07M |
| Property, Plant & Equipment | $355.22M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CASH | NIC |
|---|---|---|
| Operating Cash Flow | $-218.60M | $41.35M |
| Capital Expenditures | $-49.17M | $-463,000 |
| Free Cash Flow | $-131.49M | $41.33M |
| Debt Repayment | N/A | $-5.00M |
| Common Stock Repurchase | $-57.01M | $-26.05M |
Short Interest & Institutional Ownership Analysis
| Metric | CASH | NIC |
|---|---|---|
| Shares Short | 1.31M | 259,430 |
| Short Ratio | 6.93 | 2.30 |
| Short % of Float | 0.07% | 0.02% |
| Average Daily Volume (10 Day) | 151,380 | 67,410 |
| Average Daily Volume (90 Day) | 184,090 | 95,023 |
| Shares Outstanding | 24.85M | 15.36M |
| Float Shares | 22.64M | 13.15M |
| % Held by Insiders | 0.01% | 0.12% |
| % Held by Institutions | 0.97% | 0.52% |
Dividend Analysis & Yield Comparison: Pathward Financial vs Nicolet Bankshares
| Metric | CASH | NIC |
|---|---|---|
| Last 12-Month Dividend | $0.20 | $0.84 |
| Last 12-Month Dividend Yield | 0.27% | 0.72% |
| 3-Year Avg Annual Dividend | $0.20 | $0.62 |
| 3-Year Avg Dividend Yield | 0.10% | 0.31% |
| 3-Year Total Dividends | $0.60 | $1.87 |
| Ex-Dividend Date | Jun 13, 2025 | Mar 10, 2025 |