Bank of America Corp (BAC)vsNicolet Bankshares Inc. (NIC)
BAC
Bank of America Corp
$51.14
+0.57%
FINANCIAL SERVICES · Cap: $358.24B
NIC
Nicolet Bankshares Inc.
$171.00
-1.26%
FINANCIAL SERVICES · Cap: $3.43B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 22415% more annual revenue ($114.87B vs $510.22M). NIC leads profitability with a 30.2% profit margin vs 28.1%. BAC appears more attractively valued with a PEG of 0.85. BAC earns a higher WallStSmart Score of 72/100 (B).
BAC
Strong Buy72
out of 100
Grade: B
NIC
Strong Buy71
out of 100
Grade: B
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 31.3%
Generating 29.0B in free cash flow
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 52.9%
Revenue surging 86.1% year-over-year
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Earnings declined 14.3%
Distress zone — elevated risk
Expensive relative to growth rate
ROE of 5.9% — below average capital efficiency
Distress zone — elevated risk
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 28.1% and operating margin at 31.3%. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bull Case : NIC
The strongest argument for NIC centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 30.2% and operating margin at 52.9%. Revenue growth of 86.1% demonstrates continued momentum.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, EPS Growth, Altman Z-Score.
Bear Case : NIC
The primary concerns for NIC are PEG Ratio, Return on Equity, Altman Z-Score.
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 1.21 — expect wider price swings.
NIC is growing revenue faster at 86.1% — sustainability is the question.
BAC generates stronger free cash flow (29.0B), providing more financial flexibility.
Bottom Line
BAC scores higher overall (72/100 vs 71/100), backed by strong 28.1% margins. Both earn "Strong Buy" and "Strong 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
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