Banc of California (NYSE:BANC) and Nicolet Bankshares (NYSE:NIC) Financial Survey

Banc of California (NYSE:BANCGet Rating) and Nicolet Bankshares (NYSE:NICGet Rating) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, valuation, earnings, dividends, institutional ownership, risk and analyst recommendations.

Insider & Institutional Ownership

92.9% of Banc of California shares are owned by institutional investors. Comparatively, 37.6% of Nicolet Bankshares shares are owned by institutional investors. 12.3% of Banc of California shares are owned by insiders. Comparatively, 13.4% of Nicolet Bankshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Banc of California and Nicolet Bankshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Banc of California 0 2 0 0 2.00
Nicolet Bankshares 0 0 0 0 N/A

Banc of California currently has a consensus target price of $22.00, suggesting a potential upside of 25.64%. Given Banc of California’s higher possible upside, research analysts clearly believe Banc of California is more favorable than Nicolet Bankshares.

Risk and Volatility

Banc of California has a beta of 1.41, suggesting that its share price is 41% more volatile than the S&P 500. Comparatively, Nicolet Bankshares has a beta of 0.69, suggesting that its share price is 31% less volatile than the S&P 500.

Valuation and Earnings

This table compares Banc of California and Nicolet Bankshares’ revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Banc of California $310.59 million 3.46 $62.35 million $1.61 10.88
Nicolet Bankshares $238.92 million 4.48 $60.65 million $5.41 14.78

Banc of California has higher revenue and earnings than Nicolet Bankshares. Banc of California is trading at a lower price-to-earnings ratio than Nicolet Bankshares, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Banc of California and Nicolet Bankshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Banc of California 29.80% 12.37% 1.23%
Nicolet Bankshares 26.38% 9.89% 1.13%

Summary

Banc of California beats Nicolet Bankshares on 8 of the 12 factors compared between the two stocks.

About Banc of California

(Get Rating)

Banc of California, Inc. operates as the bank holding company for Banc of California, National Association that provides banking products and services in the United States. The company offers deposit products, including checking, savings, money market, retirement, and interest-bearing and noninterest-bearing demand accounts, as well as certificate of deposits. It also provides various commercial and consumer loan products, such as commercial and industrial loans; commercial real estate and multifamily loans; construction loans; single family residential mortgage loans; warehouse and indirect/direct leveraged lending; home equity lines of credit; small business administration loans; and other consumer loans. In addition, the company offers automated bill payment, cash and treasury management, foreign exchange, card payment, remote and mobile deposit capture, automated clearing house origination, wire transfer, direct deposit, and internet banking services; and master demand accounts, interest rate swaps, and safe deposit boxes. Further, it invests in collateralized loan obligations, agency securities, municipal bonds, agency residential mortgage-backed securities, and corporate debt securities. As of December 31, 2020, the company operated 29 full-service branches in Southern California. The company was formerly known as First PacTrust Bancorp, Inc. and changed its name to Banc of California, Inc. in July 2013. Banc of California, Inc. was founded in 1941 and is headquartered in Santa Ana, California.

About Nicolet Bankshares

(Get Rating)

Nicolet Bankshares, Inc. operates as the bank holding company for Nicolet National Bank that provides banking products and services for businesses and individuals. The company accepts checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts. It also offers commercial loans, including commercial, industrial, and business loans and lines of credit; commercial real estate loans; agricultural (AG) production and AG real estate loans; commercial real estate investment real estate loans; construction and land development loans; residential real estate loans, such as residential first lien and junior lien mortgages, home equity loans, lines of credit, and residential construction loans; and consumer loans. In addition, the company provides cash management, international banking, personal brokerage, safe deposit boxes, and trust and fiduciary services, as well as wealth management and retirement plan services. Further, it offers mortgage refinancing; online services, such as commercial, retail, and trust online banking; automated bill payment, mobile banking deposits and account access, and remote deposit capture services; and other services consisting of wire transfers, debit cards, credit cards, pre-paid gift cards, direct deposits, and official bank checks, as well as facilitates crop insurance products. As of December 31, 2021, it operated 52 branches throughout Wisconsin and Michigan. The company was formerly known as Green Bay Financial Corporation and changed its name to Nicolet Bankshares, Inc. in March 2002. Nicolet Bankshares, Inc. was incorporated in 2000 and is headquartered in Green Bay, Wisconsin.

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