Westamerica [WABC] vs Nicolet Bankshares [NIC] Detailed Stock Comparison
Westamerica
NASDAQ
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Nicolet Bankshares
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Westamerica wins in 13 metrics, Nicolet Bankshares wins in 5 metrics, with 0 ties. Westamerica appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Westamerica | Nicolet Bankshares | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.57 | 15.60 | Westamerica |
| Price-to-Book Ratio | 1.41 | 1.71 | Westamerica |
| Debt-to-Equity Ratio | 0.13 | 0.11 | Nicolet Bankshares |
| PEG Ratio | -0.67 | 0.69 | Westamerica |
| Profit Margin (TTM) | 46.17% | 37.26% | Westamerica |
| Operating Margin (TTM) | 61.83% | 49.93% | Westamerica |
| EBITDA Margin (TTM) | 61.83% | 49.93% | Westamerica |
| Return on Equity | 14.60% | 11.89% | Westamerica |
| Return on Assets (TTM) | 2.09% | 1.55% | Westamerica |
| Free Cash Flow (TTM) | $139.83M | $117.23M | Westamerica |
| Dividend Yield | 4.57% | 0.72% | Westamerica |
| 1-Year Return | -2.57% | 38.24% | Nicolet Bankshares |
| Price-to-Sales Ratio (TTM) | 4.70 | 5.56 | Westamerica |
| Enterprise Value | $735.14M | $1.74B | Nicolet Bankshares |
| EV/Revenue Ratio | 2.68 | 4.77 | Westamerica |
| Revenue per Share (TTM) | $10 | $24 | Nicolet Bankshares |
| Earnings per Share (Diluted) | $4.80 | $8.73 | Nicolet Bankshares |
| Beta (Stock Volatility) | 0.63 | 0.77 | Westamerica |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Westamerica vs Nicolet Bankshares Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Westamerica | -1.44% | 4.19% | 2.34% | 4.94% | 2.69% | -1.57% |
| Nicolet Bankshares | -0.55% | 5.37% | -0.82% | 10.80% | 17.29% | 32.22% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Westamerica | -2.57% | -13.15% | -17.09% | 13.64% | -2.54% | -1.42% |
| Nicolet Bankshares | 38.24% | 75.16% | 123.67% | 313.57% | 751.19% | 751.19% |
Performance & Financial Health Analysis: Westamerica vs Nicolet Bankshares
| Metric | WABC | NIC |
|---|---|---|
| Market Information | ||
| Market Cap | $1.29B | $2.02B |
| Market Cap Category | Small cap | Mid cap |
| 10 Day Avg. Volume | 159,519 | 74,040 |
| 90 Day Avg. Volume | 139,746 | 91,393 |
| Last Close | $50.01 | $135.44 |
| 52 Week Range | $42.00 - $59.97 | $90.07 - $141.92 |
| % from 52W High | -16.61% | -4.57% |
| All-Time High | $69.08 (Jan 13, 2020) | $141.97 (Jul 18, 2025) |
| % from All-Time High | -27.61% | -4.60% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.13% | 0.13% |
| Quarterly Earnings Growth | -0.18% | 0.23% |
| Financial Health | ||
| Profit Margin (TTM) | 0.46% | 0.37% |
| Operating Margin (TTM) | 0.62% | 0.50% |
| Return on Equity (TTM) | 0.15% | 0.12% |
| Debt to Equity (MRQ) | 0.13 | 0.11 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $36.03 | $79.74 |
| Cash per Share (MRQ) | $24.60 | $28.45 |
| Operating Cash Flow (TTM) | $136.24M | $153.72M |
| Levered Free Cash Flow (TTM) | $138.64M | $124.06M |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.57% | 0.72% |
| Last 12-Month Dividend | $2.24 | $0.84 |
Valuation & Enterprise Metrics Analysis: Westamerica vs Nicolet Bankshares
| Metric | WABC | NIC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.57 | 15.60 |
| Forward P/E | 11.66 | 17.13 |
| PEG Ratio | -0.67 | 0.69 |
| Price to Sales (TTM) | 4.70 | 5.56 |
| Price to Book (MRQ) | 1.41 | 1.71 |
| Market Capitalization | ||
| Market Capitalization | $1.29B | $2.02B |
| Enterprise Value | $735.14M | $1.74B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.68 | 4.77 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.63 | 0.77 |
| Book Value per Share (MRQ) | $36.03 | $79.74 |
Financial Statements Comparison: Westamerica 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) | WABC | NIC |
|---|---|---|
| Revenue/Sales | $66.42M | $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 | $41.84M | $44.77M |
| Income Tax | $10.80M | $8.74M |
| Net Income (Profit) | $31.04M | $36.04M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | WABC | NIC |
|---|---|---|
| Cash & Equivalents | $727.34M | $572.18M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $19.99M | $156.56M |
| Total Shareholders Equity | $923.14M | $1.18B |
| Retained Earnings | $589.06M | $594.07M |
| Property, Plant & Equipment | $45.71M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | WABC | NIC |
|---|---|---|
| Operating Cash Flow | $32.06M | $41.35M |
| Capital Expenditures | $-199,000 | $-463,000 |
| Free Cash Flow | $42.20M | $41.33M |
| Debt Repayment | N/A | $-5.00M |
| Common Stock Repurchase | $-18.23M | $-26.05M |
Short Interest & Institutional Ownership Analysis
| Metric | WABC | NIC |
|---|---|---|
| Shares Short | 337,922 | 259,430 |
| Short Ratio | 2.87 | 2.30 |
| Short % of Float | 0.02% | 0.02% |
| Average Daily Volume (10 Day) | 159,519 | 74,040 |
| Average Daily Volume (90 Day) | 139,746 | 91,393 |
| Shares Outstanding | 26.71M | 15.36M |
| Float Shares | 24.20M | 13.15M |
| % Held by Insiders | 0.05% | 0.12% |
| % Held by Institutions | 0.80% | 0.52% |
Dividend Analysis & Yield Comparison: Westamerica vs Nicolet Bankshares
| Metric | WABC | NIC |
|---|---|---|
| Last 12-Month Dividend | $2.24 | $0.84 |
| Last 12-Month Dividend Yield | 4.57% | 0.72% |
| 3-Year Avg Annual Dividend | $1.89 | $0.62 |
| 3-Year Avg Dividend Yield | 0.87% | 0.31% |
| 3-Year Total Dividends | $5.68 | $1.87 |
| Ex-Dividend Date | Aug 04, 2025 | Mar 10, 2025 |