Unity Bancorp [UNTY] vs Nicolet Bankshares [NIC] Detailed Stock Comparison
Unity Bancorp
NASDAQ
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Nicolet Bankshares
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Unity Bancorp wins in 12 metrics, Nicolet Bankshares wins in 6 metrics, with 0 ties. Unity Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Unity Bancorp | Nicolet Bankshares | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.06 | 15.28 | Unity Bancorp |
| Price-to-Book Ratio | 1.56 | 1.68 | Unity Bancorp |
| Debt-to-Equity Ratio | 1.27 | 0.11 | Nicolet Bankshares |
| PEG Ratio | 10.90 | 16.80 | Unity Bancorp |
| Profit Margin (TTM) | 43.43% | 37.26% | Unity Bancorp |
| Operating Margin (TTM) | 63.22% | 49.93% | Unity Bancorp |
| EBITDA Margin (TTM) | 63.22% | 49.93% | Unity Bancorp |
| Return on Equity | 17.03% | 11.89% | Unity Bancorp |
| Return on Assets (TTM) | 1.83% | 1.55% | Unity Bancorp |
| Free Cash Flow (TTM) | $47.29M | $117.23M | Nicolet Bankshares |
| Dividend Yield | 1.23% | 0.72% | Unity Bancorp |
| 1-Year Return | 48.29% | 38.45% | Unity Bancorp |
| Price-to-Sales Ratio (TTM) | 4.29 | 5.48 | Unity Bancorp |
| Enterprise Value | $597.09M | $1.71B | Nicolet Bankshares |
| EV/Revenue Ratio | 5.14 | 4.68 | Nicolet Bankshares |
| Revenue per Share (TTM) | $12 | $24 | Nicolet Bankshares |
| Earnings per Share (Diluted) | $4.94 | $8.74 | Nicolet Bankshares |
| Beta (Stock Volatility) | 0.73 | 0.76 | Unity Bancorp |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Unity Bancorp vs Nicolet Bankshares Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Unity Bancorp | -0.92% | -6.06% | 5.61% | 20.10% | 3.26% | 18.07% |
| Nicolet Bankshares | -1.43% | -5.29% | 4.96% | 10.95% | 17.22% | 25.83% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Unity Bancorp | 48.29% | 77.89% | 266.40% | 409.95% | 773.81% | 376.25% |
| Nicolet Bankshares | 38.45% | 61.86% | 115.07% | 292.85% | 710.00% | 710.00% |
Performance & Financial Health Analysis: Unity Bancorp vs Nicolet Bankshares
| Metric | UNTY | NIC |
|---|---|---|
| Market Information | ||
| Market Cap | $498.79M | $1.99B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 68,730 | 115,760 |
| 90 Day Avg. Volume | 87,447 | 110,343 |
| Last Close | $49.72 | $129.60 |
| 52 Week Range | $30.28 - $54.64 | $85.68 - $141.92 |
| % from 52W High | -9.00% | -8.68% |
| All-Time High | $54.64 (Jul 11, 2025) | $141.97 (Jul 18, 2025) |
| % from All-Time High | -9.00% | -8.71% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.41% | 0.13% |
| Quarterly Earnings Growth | 0.74% | 0.23% |
| Financial Health | ||
| Profit Margin (TTM) | 0.43% | 0.37% |
| Operating Margin (TTM) | 0.63% | 0.50% |
| Return on Equity (TTM) | 0.17% | 0.12% |
| Debt to Equity (MRQ) | 1.27 | 0.11 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $31.88 | $79.74 |
| Cash per Share (MRQ) | $29.28 | $28.32 |
| Operating Cash Flow (TTM) | $43.55M | $142.14M |
| Levered Free Cash Flow (TTM) | $41.45M | $124.06M |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.23% | 0.72% |
| Last 12-Month Dividend | $0.54 | $0.84 |
Valuation & Enterprise Metrics Analysis: Unity Bancorp vs Nicolet Bankshares
| Metric | UNTY | NIC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.06 | 15.28 |
| Forward P/E | 10.90 | 16.80 |
| PEG Ratio | 10.90 | 16.80 |
| Price to Sales (TTM) | 4.29 | 5.48 |
| Price to Book (MRQ) | 1.56 | 1.68 |
| Market Capitalization | ||
| Market Capitalization | $498.79M | $1.99B |
| Enterprise Value | $597.09M | $1.71B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.14 | 4.68 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.73 | 0.76 |
| Book Value per Share (MRQ) | $31.88 | $79.74 |
Financial Statements Comparison: Unity 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) | UNTY | NIC |
|---|---|---|
| Revenue/Sales | $29.35M | $89.43M |
| 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 | $15.42M | $40.14M |
| Income Tax | $3.83M | $7.55M |
| Net Income (Profit) | $11.60M | $32.59M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UNTY | NIC |
|---|---|---|
| Cash & Equivalents | $211.59M | $572.18M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $253.60M | $156.56M |
| Total Shareholders Equity | $306.14M | $1.18B |
| Retained Earnings | $237.52M | $594.07M |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UNTY | NIC |
|---|---|---|
| Operating Cash Flow | $12.03M | $41.35M |
| Capital Expenditures | $-279,000 | $-463,000 |
| Free Cash Flow | $17.58M | $41.33M |
| Debt Repayment | N/A | $-5.00M |
| Common Stock Repurchase | $0 | $-26.05M |
Short Interest & Institutional Ownership Analysis
| Metric | UNTY | NIC |
|---|---|---|
| Shares Short | 90,319 | 344,949 |
| Short Ratio | 0.92 | 3.01 |
| Short % of Float | 0.01% | 0.03% |
| Average Daily Volume (10 Day) | 68,730 | 115,760 |
| Average Daily Volume (90 Day) | 87,447 | 110,343 |
| Shares Outstanding | 10.03M | 15.36M |
| Float Shares | 6.62M | 13.21M |
| % Held by Insiders | 0.28% | 0.12% |
| % Held by Institutions | 0.52% | 0.52% |
Dividend Analysis & Yield Comparison: Unity Bancorp vs Nicolet Bankshares
| Metric | UNTY | NIC |
|---|---|---|
| Last 12-Month Dividend | $0.54 | $0.84 |
| Last 12-Month Dividend Yield | 1.23% | 0.72% |
| 3-Year Avg Annual Dividend | $0.50 | $0.62 |
| 3-Year Avg Dividend Yield | 0.42% | 0.31% |
| 3-Year Total Dividends | $1.50 | $1.87 |
| Ex-Dividend Date | Jun 06, 2025 | Mar 10, 2025 |