Nicolet Bankshares (NYSE:NIC) vs. Pacific Valley Bancorp (OTCMKTS:PVBK) Head to Head Contrast

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

Institutional & Insider Ownership

42.1% of Nicolet Bankshares shares are owned by institutional investors. Comparatively, 2.3% of Pacific Valley Bancorp shares are owned by institutional investors. 13.4% of Nicolet Bankshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Volatility & Risk

Nicolet Bankshares has a beta of 0.74, indicating that its share price is 26% less volatile than the S&P 500. Comparatively, Pacific Valley Bancorp has a beta of 0.46, indicating that its share price is 54% less volatile than the S&P 500.

Valuation & Earnings

This table compares Nicolet Bankshares and Pacific Valley Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Nicolet Bankshares $238.92 million 4.87 $60.65 million $5.97 13.28
Pacific Valley Bancorp $17.67 million 2.46 $3.77 million $1.13 9.56

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

Analyst Recommendations

This is a summary of recent recommendations and price targets for Nicolet Bankshares and Pacific Valley Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Nicolet Bankshares 0 0 0 0 N/A
Pacific Valley Bancorp 0 0 0 0 N/A

Nicolet Bankshares presently has a consensus target price of $85.00, suggesting a potential upside of 7.23%. Given Nicolet Bankshares’ higher possible upside, analysts plainly believe Nicolet Bankshares is more favorable than Pacific Valley Bancorp.

Profitability

This table compares Nicolet Bankshares and Pacific Valley Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Nicolet Bankshares 27.21% 10.87% 1.22%
Pacific Valley Bancorp 22.08% N/A N/A

Summary

Nicolet Bankshares beats Pacific Valley Bancorp on 12 of the 12 factors compared between the two stocks.

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.

About Pacific Valley Bancorp

(Get Rating)

Pacific Valley Bancorp operates as the bank holding company for Pacific Valley Bank that provides various banking products and services in the United States. The company offers personal and business banking, including checking accounts, savings and money market accounts, individual retirement accounts, and certificates of deposit; and online solutions, such as online and mobile banking, bill pay, remote deposit capture, positive pay, e-statements, and order checks. It also provides commercial or agriculture lines of credit, commercial or agriculture terms loans, commercial constructions loans, agriculture production lending, and government guaranteed loan programs; and debit card, incoming wire instructions, ATM locator, fraud prevention, identity theft, and FDIC insurance estimator services. The company operates in Salinas, King City, and Monterey locations. Pacific Valley Bancorp was founded in 2004 and is based in Salinas, California.

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