Nicolet Bankshares Inc. (NIC)vsWells Fargo & Company (WFC)
NIC
Nicolet Bankshares Inc.
$169.55
-0.88%
FINANCIAL SERVICES · Cap: $3.59B
WFC
Wells Fargo & Company
$85.43
+1.86%
FINANCIAL SERVICES · Cap: $264.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 19269% more annual revenue ($83.03B vs $428.66M). NIC leads profitability with a 31.1% profit margin vs 27.2%. WFC appears more attractively valued with a PEG of 1.66. WFC earns a higher WallStSmart Score of 76/100 (B+).
NIC
Buy63
out of 100
Grade: C+
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Mega-cap, among the largest globally
Strong operational efficiency at 37.1%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
Expensive relative to growth rate
ROE of 5.9% — below average capital efficiency
Earnings declined 61.1%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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 31.1% and operating margin at 50.5%. Revenue growth of 46.5% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.1%.
Bear Case : NIC
The primary concerns for NIC are PEG Ratio, Return on Equity, EPS Growth.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
NIC profiles as a growth stock while WFC is a mature play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.92 — expect wider price swings.
NIC is growing revenue faster at 46.5% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 63/100), backed by strong 27.2% margins. Both earn "Strong 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.
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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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