Nicolet Bankshares Inc. (NIC)vsPNC Financial Services Group Inc (PNC)
NIC
Nicolet Bankshares Inc.
$171.00
-1.26%
FINANCIAL SERVICES · Cap: $3.43B
PNC
PNC Financial Services Group Inc
$228.25
+1.57%
FINANCIAL SERVICES · Cap: $86.73B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 4789% more annual revenue ($24.94B vs $510.22M). PNC leads profitability with a 31.7% profit margin vs 30.2%. PNC appears more attractively valued with a PEG of 1.57. PNC earns a higher WallStSmart Score of 75/100 (B).
NIC
Strong Buy71
out of 100
Grade: B
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.1%
Large-cap with strong market position
Generating 2.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
ROE of 5.9% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PNC
The strongest argument for PNC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.7% and operating margin at 41.1%. Revenue growth of 10.9% demonstrates continued momentum.
Bear Case : NIC
The primary concerns for NIC are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
NIC profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
NIC is growing revenue faster at 86.1% — sustainability is the question.
PNC generates stronger free cash flow (2.1B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (75/100 vs 71/100), backed by strong 31.7% margins and 10.9% revenue growth. 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.
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 →PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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