Bank of America Corp (BAC)vsNicolet Bankshares Inc. (NIC)
BAC
Bank of America Corp
$53.46
+1.10%
FINANCIAL SERVICES · Cap: $377.03B
NIC
Nicolet Bankshares Inc.
$144.33
-2.86%
FINANCIAL SERVICES · Cap: $3.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 25465% more annual revenue ($109.59B vs $428.66M). NIC leads profitability with a 31.1% profit margin vs 29.0%. BAC appears more attractively valued with a PEG of 0.94. BAC earns a higher WallStSmart Score of 82/100 (A-).
BAC
Exceptional Buy82
out of 100
Grade: A-
NIC
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 36.0%
Keeps 29 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 50.5%
Revenue surging 46.5% year-over-year
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
ROE of 7.8% — below average capital efficiency
Earnings declined 61.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : BAC
The strongest argument for BAC centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 29.0% and operating margin at 36.0%. Revenue growth of 11.8% demonstrates continued momentum.
Bull Case : NIC
The strongest argument for NIC centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 31.1% and operating margin at 50.5%. Revenue growth of 46.5% demonstrates continued momentum.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, Free Cash Flow, Altman Z-Score.
Bear Case : NIC
The primary concerns for NIC are PEG Ratio, Return on Equity, EPS Growth.
Key Dynamics to Monitor
BAC profiles as a mature stock while NIC is a growth play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.24 — expect wider price swings.
NIC is growing revenue faster at 46.5% — sustainability is the question.
NIC generates stronger free cash flow (24M), providing more financial flexibility.
Bottom Line
BAC scores higher overall (82/100 vs 64/100), backed by strong 29.0% margins and 11.8% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Bank of America Corp
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.
Visit Website →Nicolet Bankshares Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nicolet Bankshares, Inc. is the bank holding company of Nicolet National Bank that offers banking products and services for businesses and individuals. The company is headquartered in Green Bay, Wisconsin.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?