Premier Financial [PFC] vs Nicolet Bankshares [NIC] Detailed Stock Comparison

Premier Financial

NASDAQ

Nicolet Bankshares

NYSE

TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Premier Financial wins in 3 metrics, Nicolet Bankshares wins in 14 metrics, with 0 ties. Nicolet Bankshares appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	Premier Financial	Nicolet Bankshares	Better
P/E Ratio (TTM)	14.16	14.86	Premier Financial
Price-to-Book Ratio	1.00	1.63	Premier Financial
Debt-to-Equity Ratio	0.59	0.11	Nicolet Bankshares
PEG Ratio	13.16	0.66	Nicolet Bankshares
Profit Margin (TTM)	28.60%	37.26%	Nicolet Bankshares
Operating Margin (TTM)	46.72%	49.93%	Nicolet Bankshares
EBITDA Margin (TTM)	46.72%	49.93%	Nicolet Bankshares
Return on Equity	7.22%	11.89%	Nicolet Bankshares
Return on Assets (TTM)	0.83%	1.55%	Nicolet Bankshares
Free Cash Flow (TTM)	$89.70M	$117.23M	Nicolet Bankshares
Dividend Yield	N/A	0.72%	N/A
1-Year Return	-54.10%	38.24%	Nicolet Bankshares
Price-to-Sales Ratio (TTM)	4.03	5.29	Premier Financial
Enterprise Value	$1.48B	$1.64B	Nicolet Bankshares
EV/Revenue Ratio	5.91	4.50	Nicolet Bankshares
Revenue per Share (TTM)	$7	$24	Nicolet Bankshares
Earnings per Share (Diluted)	$1.98	$8.73	Nicolet Bankshares
Beta (Stock Volatility)	1.22	0.77	Nicolet Bankshares

Performance

Key Stats

Valuation

Financials

Short Interest

Dividends

Premier Financial vs Nicolet Bankshares Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
Premier Financial	0.00%	0.18%	3.13%	2.19%	11.98%	11.45%
Nicolet Bankshares	4.98%	5.37%	-0.82%	10.80%	17.29%	32.22%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
Premier Financial	-54.10%	-46.84%	-61.26%	18.02%	-52.62%	24.59%
Nicolet Bankshares	38.24%	75.16%	123.67%	313.57%	751.19%	751.19%

Performance Comparison

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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: Premier Financial vs Nicolet Bankshares

Metric	PFC	NIC
Market Information
Market Cap i	$1.01B	$1.93B
Market Cap Category	Small cap	Small cap
10 Day Avg. Volume i	442,672	67,410
90 Day Avg. Volume i	297,817	95,023
Last Close	$28.04	$136.19
52 Week Range	$18.63 - $29.64	$90.07 - $141.92
% from 52W High	-5.40%	-4.04%
All-Time High	$42.46 (Nov 30, 2015)	$141.97 (Jul 18, 2025)
% from All-Time High	-33.96%	-4.07%
Growth Metrics
Quarterly Revenue Growth	0.04%	0.13%
Quarterly Earnings Growth	0.04%	0.23%
Financial Health
Profit Margin (TTM) i	0.29%	0.37%
Operating Margin (TTM) i	0.47%	0.50%
Return on Equity (TTM) i	0.07%	0.12%
Debt to Equity (MRQ) i	0.59	0.11
Cash & Liquidity
Book Value per Share (MRQ)	$27.95	$79.74
Cash per Share (MRQ)	$3.39	$28.45
Operating Cash Flow (TTM) i	$89.51M	$153.72M
Levered Free Cash Flow (TTM) i	$63.67M	$124.06M
Dividends
Last 12-Month Dividend Yield i	N/A	0.72%
Last 12-Month Dividend i	N/A	$0.84

Valuation & Enterprise Metrics Analysis: Premier Financial vs Nicolet Bankshares

Metric	PFC	NIC
Price Ratios
P/E Ratio (TTM) i	14.16	14.86
Forward P/E i	13.16	16.32
PEG Ratio i	13.16	0.66
Price to Sales (TTM) i	4.03	5.29
Price to Book (MRQ) i	1.00	1.63
Market Capitalization
Market Capitalization i	$1.01B	$1.93B
Enterprise Value i	$1.48B	$1.64B
Enterprise Value Metrics
Enterprise to Revenue i	5.91	4.50
Enterprise to EBITDA i	N/A	N/A
Risk & Other Metrics
Beta i	1.22	0.77
Book Value per Share (MRQ) i	$27.95	$79.74

Financial Statements Comparison: Premier 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)	PFC	NIC
Revenue/Sales i	$63.06M	$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	$24.28M	$44.77M
Income Tax i	$5.28M	$8.74M
Net Income (Profit) i	$19.00M	$36.04M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)	PFC	NIC
Cash & Equivalents i	$121.49M	$572.18M
Total Current Assets i	N/A	N/A
Total Current Liabilities i	N/A	N/A
Long-Term Debt i	$592.36M	$156.56M
Total Shareholders Equity i	$1.00B	$1.18B
Retained Earnings i	$596.93M	$594.07M
Property, Plant & Equipment i	N/A	N/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)	PFC	NIC
Operating Cash Flow i	$24.69M	$41.35M
Capital Expenditures i	$-1.65M	$-463,000
Free Cash Flow i	$23.78M	$41.33M
Debt Repayment i	N/A	$-5.00M
Common Stock Repurchase i	$0	$-26.05M

Short Interest & Institutional Ownership Analysis

Metric	PFC	NIC
Shares Short i	N/A	259,430
Short Ratio i	N/A	2.30
Short % of Float i	N/A	0.02%
Average Daily Volume (10 Day) i	442,672	67,410
Average Daily Volume (90 Day) i	297,817	95,023
Shares Outstanding i	35.84M	15.36M
Float Shares i	35.04M	13.15M
% Held by Insiders i	0.02%	0.12%
% Held by Institutions i	0.70%	0.52%

Dividend Analysis & Yield Comparison: Premier Financial vs Nicolet Bankshares

Metric	PFC	NIC
Last 12-Month Dividend i	N/A	$0.84
Last 12-Month Dividend Yield i	N/A	0.72%
3-Year Avg Annual Dividend i	N/A	$0.62
3-Year Avg Dividend Yield i	N/A	0.31%
3-Year Total Dividends i	N/A	$1.87
Ex-Dividend Date	N/A	Mar 10, 2025

Premier Financial [PFC] vs Nicolet Bankshares [NIC] Detailed Stock Comparison