First Financial [THFF] vs Nicolet Bankshares [NIC] Detailed Stock Comparison
First Financial
NASDAQ
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Nicolet Bankshares
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: First Financial 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 | First Financial | Nicolet Bankshares | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.94 | 15.37 | First Financial |
| Price-to-Book Ratio | 1.15 | 1.68 | First Financial |
| Debt-to-Equity Ratio | 0.48 | 0.11 | Nicolet Bankshares |
| PEG Ratio | 0.17 | 0.68 | First Financial |
| Profit Margin (TTM) | 26.89% | 37.26% | Nicolet Bankshares |
| Operating Margin (TTM) | 38.66% | 49.93% | Nicolet Bankshares |
| EBITDA Margin (TTM) | 38.66% | 49.93% | Nicolet Bankshares |
| Return on Equity | 11.08% | 11.89% | Nicolet Bankshares |
| Return on Assets (TTM) | 1.18% | 1.55% | Nicolet Bankshares |
| Free Cash Flow (TTM) | $54.26M | $117.23M | Nicolet Bankshares |
| Dividend Yield | 4.61% | 0.72% | First Financial |
| 1-Year Return | 35.17% | 40.57% | Nicolet Bankshares |
| Price-to-Sales Ratio (TTM) | 2.94 | 5.47 | First Financial |
| Enterprise Value | $859.27M | $1.71B | Nicolet Bankshares |
| EV/Revenue Ratio | 3.73 | 4.70 | First Financial |
| Revenue per Share (TTM) | $19 | $24 | Nicolet Bankshares |
| Earnings per Share (Diluted) | $5.23 | $8.72 | Nicolet Bankshares |
| Beta (Stock Volatility) | 0.48 | 0.77 | First Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
First Financial vs Nicolet Bankshares Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| First Financial | 3.04% | 1.56% | 7.58% | 17.54% | 19.87% | 30.31% |
| Nicolet Bankshares | 2.86% | 1.08% | 4.33% | 16.69% | 19.03% | 32.63% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| First Financial | 35.17% | 29.52% | 95.16% | 84.83% | 101.21% | 125.10% |
| Nicolet Bankshares | 40.57% | 86.91% | 149.42% | 326.91% | 753.81% | 753.81% |
News Based Sentiment: First Financial vs Nicolet Bankshares
First Financial
News based Sentiment: POSITIVE
September proved to be a very positive month for First Financial Corporation, with strong earnings, analyst upgrades, increased institutional investment, and a new 52-week high. These developments collectively signal growing confidence in the company's performance and future prospects, making it a compelling investment opportunity.
Nicolet Bankshares
News based Sentiment: MIXED
September presented a mixed bag for Nicolet Bankshares, with continued dividend payouts and institutional support countered by analyst downgrades, insider selling, and bearish technical indicators. The overall narrative suggests cautious optimism, but requires close monitoring of upcoming earnings and investor behavior.
Performance & Financial Health Analysis: First Financial vs Nicolet Bankshares
| Metric | THFF | NIC |
|---|---|---|
| Market Information | ||
| Market Cap | $677.85M | $1.97B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 51,430 | 39,418 |
| 90 Day Avg. Volume | 47,743 | 56,403 |
| Last Close | $59.72 | $136.61 |
| 52 Week Range | $40.57 - $60.77 | $90.07 - $141.92 |
| % from 52W High | -1.73% | -3.74% |
| All-Time High | $60.77 (Sep 05, 2025) | $141.97 (Jul 18, 2025) |
| % from All-Time High | -1.73% | -3.78% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.32% | 0.13% |
| Quarterly Earnings Growth | 0.64% | 0.23% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.37% |
| Operating Margin (TTM) | 0.39% | 0.50% |
| Return on Equity (TTM) | 0.11% | 0.12% |
| Debt to Equity (MRQ) | 0.48 | 0.11 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $49.59 | $79.74 |
| Cash per Share (MRQ) | $8.28 | $28.45 |
| Operating Cash Flow (TTM) | $72.93M | $153.72M |
| Levered Free Cash Flow (TTM) | $47.28M | $124.06M |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.61% | 0.72% |
| Last 12-Month Dividend | $2.43 | $0.84 |
Valuation & Enterprise Metrics Analysis: First Financial vs Nicolet Bankshares
| Metric | THFF | NIC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.94 | 15.37 |
| Forward P/E | 11.02 | 16.86 |
| PEG Ratio | 0.17 | 0.68 |
| Price to Sales (TTM) | 2.94 | 5.47 |
| Price to Book (MRQ) | 1.15 | 1.68 |
| Market Capitalization | ||
| Market Capitalization | $677.85M | $1.97B |
| Enterprise Value | $859.27M | $1.71B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.73 | 4.70 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.48 | 0.77 |
| Book Value per Share (MRQ) | $49.59 | $79.74 |
Financial Statements Comparison: First Financial 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) | THFF | NIC |
|---|---|---|
| Revenue/Sales | $62.49M | $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 | $23.78M | $44.77M |
| Income Tax | $5.37M | $8.74M |
| Net Income (Profit) | $18.41M | $36.04M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | THFF | NIC |
|---|---|---|
| Cash & Equivalents | $86.21M | $572.18M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $124.90M | $156.56M |
| Total Shareholders Equity | $571.95M | $1.18B |
| Retained Earnings | $699.73M | $594.07M |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | THFF | NIC |
|---|---|---|
| Operating Cash Flow | $18.28M | $41.35M |
| Capital Expenditures | $-566,000 | $-463,000 |
| Free Cash Flow | $20.49M | $41.33M |
| Debt Repayment | $-253.26M | $-5.00M |
| Common Stock Repurchase | $-795,000 | $-26.05M |
Short Interest & Institutional Ownership Analysis
| Metric | THFF | NIC |
|---|---|---|
| Shares Short | 178,157 | 250,568 |
| Short Ratio | 3.93 | 3.78 |
| Short % of Float | 0.02% | 0.02% |
| Average Daily Volume (10 Day) | 51,430 | 39,418 |
| Average Daily Volume (90 Day) | 47,743 | 56,403 |
| Shares Outstanding | 11.84M | 15.36M |
| Float Shares | 11.24M | 13.12M |
| % Held by Insiders | 0.05% | 0.12% |
| % Held by Institutions | 0.82% | 0.52% |
Dividend Analysis & Yield Comparison: First Financial vs Nicolet Bankshares
| Metric | THFF | NIC |
|---|---|---|
| Last 12-Month Dividend | $2.43 | $0.84 |
| Last 12-Month Dividend Yield | 4.61% | 0.72% |
| 3-Year Avg Annual Dividend | $1.54 | $0.62 |
| 3-Year Avg Dividend Yield | 1.23% | 0.31% |
| 3-Year Total Dividends | $4.61 | $1.87 |
| Ex-Dividend Date | Jul 01, 2025 | Mar 10, 2025 |