S&T Bancorp [STBA] vs Nicolet Bankshares [NIC] Detailed Stock Comparison
S&T Bancorp
NASDAQ
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Nicolet Bankshares
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: S&T Bancorp wins in 7 metrics, Nicolet Bankshares wins in 11 metrics, with 0 ties. Nicolet Bankshares appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | S&T Bancorp | Nicolet Bankshares | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 11.53 | 14.86 | S&T Bancorp |
| Price-to-Book Ratio | 1.04 | 1.63 | S&T Bancorp |
| Debt-to-Equity Ratio | 0.20 | 0.11 | Nicolet Bankshares |
| PEG Ratio | -1.51 | 0.66 | S&T Bancorp |
| Profit Margin (TTM) | 33.71% | 37.26% | Nicolet Bankshares |
| Operating Margin (TTM) | 41.84% | 49.93% | Nicolet Bankshares |
| EBITDA Margin (TTM) | 41.84% | 49.93% | Nicolet Bankshares |
| Return on Equity | 9.47% | 11.89% | Nicolet Bankshares |
| Return on Assets (TTM) | 1.35% | 1.55% | Nicolet Bankshares |
| Free Cash Flow (TTM) | $170.37M | $117.23M | S&T Bancorp |
| Dividend Yield | 4.73% | 0.72% | S&T Bancorp |
| 1-Year Return | -9.49% | 38.24% | Nicolet Bankshares |
| Price-to-Sales Ratio (TTM) | 3.87 | 5.29 | S&T Bancorp |
| Enterprise Value | $1.56B | $1.64B | Nicolet Bankshares |
| EV/Revenue Ratio | 4.01 | 4.50 | S&T Bancorp |
| Revenue per Share (TTM) | $10 | $24 | Nicolet Bankshares |
| Earnings per Share (Diluted) | $3.40 | $8.73 | Nicolet Bankshares |
| Beta (Stock Volatility) | 0.91 | 0.77 | Nicolet Bankshares |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
S&T Bancorp vs Nicolet Bankshares Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| S&T Bancorp | 5.09% | 5.57% | 1.37% | 7.18% | 0.23% | 5.54% |
| Nicolet Bankshares | 4.98% | 5.37% | -0.82% | 10.80% | 17.29% | 32.22% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| S&T Bancorp | -9.49% | 28.22% | 90.06% | 33.01% | 120.28% | 4.84% |
| Nicolet Bankshares | 38.24% | 75.16% | 123.67% | 313.57% | 751.19% | 751.19% |
Performance & Financial Health Analysis: S&T Bancorp vs Nicolet Bankshares
| Metric | STBA | NIC |
|---|---|---|
| Market Information | ||
| Market Cap | $1.50B | $1.93B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 141,100 | 67,410 |
| 90 Day Avg. Volume | 129,853 | 95,023 |
| Last Close | $39.21 | $136.19 |
| 52 Week Range | $30.84 - $45.46 | $90.07 - $141.92 |
| % from 52W High | -13.75% | -4.04% |
| All-Time High | $47.77 (Aug 27, 2018) | $141.97 (Jul 18, 2025) |
| % from All-Time High | -17.92% | -4.07% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.02% | 0.13% |
| Quarterly Earnings Growth | -0.07% | 0.23% |
| Financial Health | ||
| Profit Margin (TTM) | 0.34% | 0.37% |
| Operating Margin (TTM) | 0.42% | 0.50% |
| Return on Equity (TTM) | 0.09% | 0.12% |
| Debt to Equity (MRQ) | 0.20 | 0.11 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $37.70 | $79.74 |
| Cash per Share (MRQ) | $6.34 | $28.45 |
| Operating Cash Flow (TTM) | $139.22M | $153.72M |
| Levered Free Cash Flow (TTM) | $131.25M | $124.06M |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.73% | 0.72% |
| Last 12-Month Dividend | $1.69 | $0.84 |
Valuation & Enterprise Metrics Analysis: S&T Bancorp vs Nicolet Bankshares
| Metric | STBA | NIC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 11.53 | 14.86 |
| Forward P/E | 12.98 | 16.32 |
| PEG Ratio | -1.51 | 0.66 |
| Price to Sales (TTM) | 3.87 | 5.29 |
| Price to Book (MRQ) | 1.04 | 1.63 |
| Market Capitalization | ||
| Market Capitalization | $1.50B | $1.93B |
| Enterprise Value | $1.56B | $1.64B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.01 | 4.50 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.91 | 0.77 |
| Book Value per Share (MRQ) | $37.70 | $79.74 |
Financial Statements Comparison: S&T Bancorp vs Nicolet Bankshares
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | STBA | NIC |
|---|---|---|
| Revenue/Sales | $100.07M | $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 | $39.98M | $44.77M |
| Income Tax | $8.08M | $8.74M |
| Net Income (Profit) | $31.90M | $36.04M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | STBA | NIC |
|---|---|---|
| Cash & Equivalents | $211.84M | $572.18M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $100.31M | $156.56M |
| Total Shareholders Equity | $1.42B | $1.18B |
| Retained Earnings | $1.06B | $594.07M |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | STBA | NIC |
|---|---|---|
| Operating Cash Flow | N/A | $41.35M |
| Capital Expenditures | $-1.73M | $-463,000 |
| Free Cash Flow | $26.97M | $41.33M |
| Debt Repayment | $-20,000 | $-5.00M |
| Common Stock Repurchase | $-41,000 | $-26.05M |
Short Interest & Institutional Ownership Analysis
| Metric | STBA | NIC |
|---|---|---|
| Shares Short | 647,032 | 259,430 |
| Short Ratio | 4.89 | 2.30 |
| Short % of Float | 0.02% | 0.02% |
| Average Daily Volume (10 Day) | 141,100 | 67,410 |
| Average Daily Volume (90 Day) | 129,853 | 95,023 |
| Shares Outstanding | 38.26M | 15.36M |
| Float Shares | 37.84M | 13.15M |
| % Held by Insiders | 0.02% | 0.12% |
| % Held by Institutions | 0.73% | 0.52% |
Dividend Analysis & Yield Comparison: S&T Bancorp vs Nicolet Bankshares
| Metric | STBA | NIC |
|---|---|---|
| Last 12-Month Dividend | $1.69 | $0.84 |
| Last 12-Month Dividend Yield | 4.73% | 0.72% |
| 3-Year Avg Annual Dividend | $1.42 | $0.62 |
| 3-Year Avg Dividend Yield | 0.97% | 0.31% |
| 3-Year Total Dividends | $4.25 | $1.87 |
| Ex-Dividend Date | Aug 14, 2025 | Mar 10, 2025 |