Financial Review: Princeton National Bancorp (OTCMKTS:PNBC) & Nicolet Bankshares (OTCMKTS:NCBS)

Princeton National Bancorp (OTCMKTS:PNBC) and Nicolet Bankshares (NASDAQ:NCBS) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, institutional ownership, valuation, earnings and dividends.

Insider & Institutional Ownership

36.1% of Nicolet Bankshares shares are held by institutional investors. 6.6% of Princeton National Bancorp shares are held by insiders. Comparatively, 17.4% of Nicolet Bankshares shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Volatility & Risk

Princeton National Bancorp has a beta of 7.46, meaning that its share price is 646% more volatile than the S&P 500. Comparatively, Nicolet Bankshares has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Princeton National Bancorp and Nicolet Bankshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Princeton National Bancorp 0 0 0 0 N/A
Nicolet Bankshares 0 1 1 0 2.50

Nicolet Bankshares has a consensus target price of $63.00, indicating a potential upside of 2.27%. Given Nicolet Bankshares’ higher possible upside, analysts clearly believe Nicolet Bankshares is more favorable than Princeton National Bancorp.

Profitability

This table compares Princeton National Bancorp and Nicolet Bankshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Princeton National Bancorp N/A N/A N/A
Nicolet Bankshares 24.87% 10.86% 1.38%

Earnings and Valuation

This table compares Princeton National Bancorp and Nicolet Bankshares’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Princeton National Bancorp N/A N/A N/A N/A N/A
Nicolet Bankshares $165.05 million 3.53 $41.04 million $4.12 14.95

Nicolet Bankshares has higher revenue and earnings than Princeton National Bancorp.

Summary

Nicolet Bankshares beats Princeton National Bancorp on 8 of the 9 factors compared between the two stocks.

About Princeton National Bancorp

Princeton National Bancorp, Inc. does not have significant operations. Previously it operated as a holding company for Citizens First National Bank that provided commercial banking and trust services in Illinois. The company was founded in 1865 and is headquartered in Princeton, Illinois.

About Nicolet Bankshares

Nicolet Bankshares, Inc. operates as the holding company for Nicolet National Bank that provides commercial and retail banking 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; owner-occupied 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 mortgages, 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, remote deposit capture, and telephone banking services; and other services consisting of wire transfers, debit cards, credit cards, pre-paid gift cards, direct deposits, and official bank checks. Additionally, the company provides investment strategy and transactional services to financial institutions. As of December 31, 2018, it operated 38 branches located in northeast and central Wisconsin, as well as in Menominee, 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 founded in 2000 and is headquartered in Green Bay, Wisconsin.

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