Univest Financial [UVSP] vs Nicolet Bankshares [NIC] Detailed Stock Comparison
Univest Financial
NASDAQ
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Nicolet Bankshares
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Univest 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 | Univest Financial | Nicolet Bankshares | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.79 | 15.28 | Univest Financial |
| Price-to-Book Ratio | 0.93 | 1.68 | Univest Financial |
| Debt-to-Equity Ratio | 0.43 | 0.11 | Nicolet Bankshares |
| PEG Ratio | 12.87 | 16.80 | Univest Financial |
| Profit Margin (TTM) | 26.78% | 37.26% | Nicolet Bankshares |
| Operating Margin (TTM) | 34.63% | 49.93% | Nicolet Bankshares |
| EBITDA Margin (TTM) | 34.63% | 49.93% | Nicolet Bankshares |
| Return on Equity | 9.02% | 11.89% | Nicolet Bankshares |
| Return on Assets (TTM) | 1.01% | 1.55% | Nicolet Bankshares |
| Free Cash Flow (TTM) | $72.00M | $117.23M | Nicolet Bankshares |
| Dividend Yield | 3.64% | 0.72% | Univest Financial |
| 1-Year Return | 8.21% | 38.45% | Nicolet Bankshares |
| Price-to-Sales Ratio (TTM) | 2.85 | 5.48 | Univest Financial |
| Enterprise Value | $1.07B | $1.71B | Nicolet Bankshares |
| EV/Revenue Ratio | 3.60 | 4.68 | Univest Financial |
| Revenue per Share (TTM) | $10 | $24 | Nicolet Bankshares |
| Earnings per Share (Diluted) | $2.73 | $8.74 | Nicolet Bankshares |
| Beta (Stock Volatility) | 0.73 | 0.76 | Univest Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Univest Financial vs Nicolet Bankshares Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Univest Financial | -2.00% | -8.49% | -3.86% | -2.23% | -6.23% | -0.55% |
| Nicolet Bankshares | -1.43% | -5.29% | 4.96% | 10.95% | 17.22% | 25.83% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Univest Financial | 8.21% | 13.93% | 72.52% | 42.83% | 70.38% | 3.77% |
| Nicolet Bankshares | 38.45% | 61.86% | 115.07% | 292.85% | 710.00% | 710.00% |
Performance & Financial Health Analysis: Univest Financial vs Nicolet Bankshares
| Metric | UVSP | NIC |
|---|---|---|
| Market Information | ||
| Market Cap | $849.05M | $1.99B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 114,630 | 115,760 |
| 90 Day Avg. Volume | 114,817 | 110,343 |
| Last Close | $28.88 | $129.60 |
| 52 Week Range | $22.83 - $32.86 | $85.68 - $141.92 |
| % from 52W High | -12.11% | -8.68% |
| All-Time High | $38.99 (Sep 15, 2008) | $141.97 (Jul 18, 2025) |
| % from All-Time High | -25.93% | -8.71% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.06% | 0.13% |
| Quarterly Earnings Growth | 0.10% | 0.23% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.37% |
| Operating Margin (TTM) | 0.35% | 0.50% |
| Return on Equity (TTM) | 0.09% | 0.12% |
| Debt to Equity (MRQ) | 0.43 | 0.11 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $31.82 | $79.74 |
| Cash per Share (MRQ) | $5.57 | $28.32 |
| Operating Cash Flow (TTM) | $68.13M | $142.14M |
| Levered Free Cash Flow (TTM) | $75.93M | $124.06M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.64% | 0.72% |
| Last 12-Month Dividend | $1.07 | $0.84 |
Valuation & Enterprise Metrics Analysis: Univest Financial vs Nicolet Bankshares
| Metric | UVSP | NIC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.79 | 15.28 |
| Forward P/E | 12.87 | 16.80 |
| PEG Ratio | 12.87 | 16.80 |
| Price to Sales (TTM) | 2.85 | 5.48 |
| Price to Book (MRQ) | 0.93 | 1.68 |
| Market Capitalization | ||
| Market Capitalization | $849.05M | $1.99B |
| Enterprise Value | $1.07B | $1.71B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.60 | 4.68 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.73 | 0.76 |
| Book Value per Share (MRQ) | $31.82 | $79.74 |
Financial Statements Comparison: Univest 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) | UVSP | NIC |
|---|---|---|
| Revenue/Sales | $79.20M | $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 | $27.56M | $40.14M |
| Income Tax | $5.16M | $7.55M |
| Net Income (Profit) | $22.40M | $32.59M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UVSP | NIC |
|---|---|---|
| Cash & Equivalents | $169.13M | $572.18M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $354.45M | $156.56M |
| Total Shareholders Equity | $903.47M | $1.18B |
| Retained Earnings | $541.78M | $594.07M |
| Property, Plant & Equipment | $74.36M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UVSP | NIC |
|---|---|---|
| Operating Cash Flow | $13.06M | $41.35M |
| Capital Expenditures | $-1.87M | $-463,000 |
| Free Cash Flow | $13.66M | $41.33M |
| Debt Repayment | $-50.00M | $-5.00M |
| Common Stock Repurchase | $-8.12M | $-26.05M |
Short Interest & Institutional Ownership Analysis
| Metric | UVSP | NIC |
|---|---|---|
| Shares Short | 373,322 | 344,949 |
| Short Ratio | 3.25 | 3.01 |
| Short % of Float | 0.01% | 0.03% |
| Average Daily Volume (10 Day) | 114,630 | 115,760 |
| Average Daily Volume (90 Day) | 114,817 | 110,343 |
| Shares Outstanding | 29.05M | 15.36M |
| Float Shares | 27.88M | 13.21M |
| % Held by Insiders | 0.01% | 0.12% |
| % Held by Institutions | 0.80% | 0.52% |
Dividend Analysis & Yield Comparison: Univest Financial vs Nicolet Bankshares
| Metric | UVSP | NIC |
|---|---|---|
| Last 12-Month Dividend | $1.07 | $0.84 |
| Last 12-Month Dividend Yield | 3.64% | 0.72% |
| 3-Year Avg Annual Dividend | $0.92 | $0.62 |
| 3-Year Avg Dividend Yield | 0.88% | 0.31% |
| 3-Year Total Dividends | $2.75 | $1.87 |
| Ex-Dividend Date | Aug 06, 2025 | Mar 10, 2025 |