OceanFirst Financial [OCFC] vs Nicolet Bankshares [NIC] Detailed Stock Comparison

OceanFirst Financial

NASDAQ

Nicolet Bankshares

NYSE

TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: OceanFirst Financial wins in 6 metrics, Nicolet Bankshares wins in 12 metrics, with 0 ties. Nicolet Bankshares appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	OceanFirst Financial	Nicolet Bankshares	Better
P/E Ratio (TTM)	11.64	14.47	OceanFirst Financial
Price-to-Book Ratio	0.57	1.58	OceanFirst Financial
Debt-to-Equity Ratio	0.78	0.11	Nicolet Bankshares
PEG Ratio	10.19	15.89	OceanFirst Financial
Profit Margin (TTM)	23.29%	37.26%	Nicolet Bankshares
Operating Margin (TTM)	29.75%	49.93%	Nicolet Bankshares
EBITDA Margin (TTM)	29.75%	49.93%	Nicolet Bankshares
Return on Equity	5.29%	11.89%	Nicolet Bankshares
Return on Assets (TTM)	0.66%	1.55%	Nicolet Bankshares
Free Cash Flow (TTM)	$84.68M	$117.23M	Nicolet Bankshares
Dividend Yield	5.74%	0.72%	OceanFirst Financial
1-Year Return	-0.36%	38.79%	Nicolet Bankshares
Price-to-Sales Ratio (TTM)	2.50	5.16	OceanFirst Financial
Enterprise Value	$1.99B	$1.59B	OceanFirst Financial
EV/Revenue Ratio	5.28	4.37	Nicolet Bankshares
Revenue per Share (TTM)	$6	$24	Nicolet Bankshares
Earnings per Share (Diluted)	$1.41	$8.73	Nicolet Bankshares
Beta (Stock Volatility)	1.02	0.77	Nicolet Bankshares

Performance

Key Stats

Valuation

Financials

Short Interest

Dividends

OceanFirst Financial vs Nicolet Bankshares Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
OceanFirst Financial	5.10%	4.98%	-7.93%	-1.03%	-5.21%	-2.92%
Nicolet Bankshares	3.90%	4.43%	1.53%	8.08%	12.22%	28.59%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
OceanFirst Financial	-0.36%	-22.10%	5.72%	-11.65%	38.79%	-27.96%
Nicolet Bankshares	38.79%	50.95%	118.66%	286.30%	696.75%	696.75%

Performance Comparison

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OceanFirst Financial (OCFC): View Full Stock Overview

Nicolet Bankshares (NIC): View Full Stock Overview

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Key Performance Metrics Available:

Daily, weekly, monthly, and yearly returns
52-week high and low prices
Market capitalization and valuation ratios
Financial health and profitability metrics
Dividend history and yield information

Performance & Financial Health Analysis: OceanFirst Financial vs Nicolet Bankshares

Metric	OCFC	NIC
Market Information
Market Cap i	$941.69M	$1.88B
Market Cap Category	Small cap	Small cap
10 Day Avg. Volume i	302,640	62,790
90 Day Avg. Volume i	297,487	103,323
Last Close	$17.30	$132.45
52 Week Range	$14.29 - $21.87	$85.68 - $141.92
% from 52W High	-20.90%	-6.67%
All-Time High	$30.90 (Jun 18, 2018)	$141.97 (Jul 18, 2025)
% from All-Time High	-44.01%	-6.71%
Growth Metrics
Quarterly Revenue Growth	0.07%	0.13%
Quarterly Earnings Growth	-0.22%	0.23%
Financial Health
Profit Margin (TTM) i	0.23%	0.37%
Operating Margin (TTM) i	0.30%	0.50%
Return on Equity (TTM) i	0.05%	0.12%
Debt to Equity (MRQ) i	0.78	0.11
Cash & Liquidity
Book Value per Share (MRQ)	$28.70	$79.74
Cash per Share (MRQ)	$4.04	$28.45
Operating Cash Flow (TTM) i	$49.21M	$153.72M
Levered Free Cash Flow (TTM) i	$96.05M	$124.06M
Dividends
Last 12-Month Dividend Yield i	5.74%	0.72%
Last 12-Month Dividend i	$1.00	$0.84

Valuation & Enterprise Metrics Analysis: OceanFirst Financial vs Nicolet Bankshares

Metric	OCFC	NIC
Price Ratios
P/E Ratio (TTM) i	11.64	14.47
Forward P/E i	10.19	15.89
PEG Ratio i	10.19	15.89
Price to Sales (TTM) i	2.50	5.16
Price to Book (MRQ) i	0.57	1.58
Market Capitalization
Market Capitalization i	$941.69M	$1.88B
Enterprise Value i	$1.99B	$1.59B
Enterprise Value Metrics
Enterprise to Revenue i	5.28	4.37
Enterprise to EBITDA i	N/A	N/A
Risk & Other Metrics
Beta i	1.02	0.77
Book Value per Share (MRQ) i	$28.70	$79.74

Financial Statements Comparison: OceanFirst Financial vs Nicolet Bankshares

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)	OCFC	NIC
Revenue/Sales i	$96.74M	$95.74M
Cost of Goods Sold i	N/A	N/A
Gross Profit i	N/A	N/A
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	N/A
EBITDA i	N/A	N/A
Pre-Tax Income i	$28.27M	$44.77M
Income Tax i	$6.81M	$8.74M
Net Income (Profit) i	$21.46M	$36.04M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)	OCFC	NIC
Cash & Equivalents i	$163.72M	$572.18M
Total Current Assets i	N/A	N/A
Total Current Liabilities i	N/A	N/A
Long-Term Debt i	$1.09B	$156.56M
Total Shareholders Equity i	$1.71B	$1.18B
Retained Earnings i	$650.55M	$594.07M
Property, Plant & Equipment i	N/A	N/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)	OCFC	NIC
Operating Cash Flow i	$-4.00M	$41.35M
Capital Expenditures i	$-1.86M	$-463,000
Free Cash Flow i	$-3.64M	$41.33M
Debt Repayment i	$-181.59M	$-5.00M
Common Stock Repurchase i	$-6.90M	$-26.05M

Short Interest & Institutional Ownership Analysis

Metric	OCFC	NIC
Shares Short i	882,727	344,949
Short Ratio i	2.83	3.01
Short % of Float i	0.02%	0.03%
Average Daily Volume (10 Day) i	302,640	62,790
Average Daily Volume (90 Day) i	297,487	103,323
Shares Outstanding i	58.55M	15.36M
Float Shares i	55.36M	13.14M
% Held by Insiders i	0.03%	0.12%
% Held by Institutions i	0.79%	0.53%

Dividend Analysis & Yield Comparison: OceanFirst Financial vs Nicolet Bankshares

Metric	OCFC	NIC
Last 12-Month Dividend i	$1.00	$0.84
Last 12-Month Dividend Yield i	5.74%	0.72%
3-Year Avg Annual Dividend i	$0.87	$0.62
3-Year Avg Dividend Yield i	1.16%	0.31%
3-Year Total Dividends i	$2.60	$1.87
Ex-Dividend Date	Aug 04, 2025	Mar 10, 2025

OceanFirst Financial [OCFC] vs Nicolet Bankshares [NIC] Detailed Stock Comparison