Nicolet Bankshares (NYSE:NIC – Get Free Report) and Carver Bancorp (NASDAQ:CARV – Get Free Report) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, dividends, valuation, earnings, risk, analyst recommendations and profitability.
Earnings and Valuation
This table compares Nicolet Bankshares and Carver 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 | $519.43 million | 6.77 | $150.69 million | $8.81 | 19.04 |
| Carver Bancorp | $22.74 million | 0.48 | -$13.74 million | ($1.36) | -1.26 |
Volatility & Risk
Nicolet Bankshares has a beta of 0.64, indicating that its share price is 36% less volatile than the S&P 500. Comparatively, Carver Bancorp has a beta of 1.41, indicating that its share price is 41% more volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent recommendations and price targets for Nicolet Bankshares and Carver Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Nicolet Bankshares | 0 | 2 | 4 | 1 | 2.86 |
| Carver Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Nicolet Bankshares currently has a consensus price target of $183.00, suggesting a potential upside of 9.07%. Given Nicolet Bankshares’ stronger consensus rating and higher probable upside, analysts plainly believe Nicolet Bankshares is more favorable than Carver Bancorp.
Profitability
This table compares Nicolet Bankshares and Carver Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Nicolet Bankshares | 21.77% | 11.36% | 1.62% |
| Carver Bancorp | -34.89% | -171.55% | -1.82% |
Institutional & Insider Ownership
43.1% of Nicolet Bankshares shares are owned by institutional investors. Comparatively, 18.2% of Carver Bancorp shares are owned by institutional investors. 7.2% of Nicolet Bankshares shares are owned by insiders. Comparatively, 1.3% of Carver Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Summary
Nicolet Bankshares beats Carver Bancorp on 14 of the 15 factors compared between the two stocks.
About Nicolet Bankshares
Nicolet Bankshares, Inc. operates as the bank holding company for Nicolet National Bank that provides banking products and services for businesses and individuals in Wisconsin and Michigan. 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. The company was formerly known as Green Bay Financial Corporation and changed its name to Nicolet Bankshares, Inc. in March 2002. The company was incorporated in 2000 and is headquartered in Green Bay, Wisconsin.
About Carver Bancorp
Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that provides consumer and commercial banking services for consumers, businesses, non-profit organizations, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products, including demand, savings, and time deposits; passbook and statement accounts, and certificates of deposit; and individual retirement accounts. The company provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction, business and small business administration, and consumer and other loans. In addition, it offers other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill pay, and telephone banking, as well as check cashing, wire transfer, bill payment, reloadable prepaid card, and money order services. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.
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