CVB Financial vs Nicolet Bankshares
CVB Financial is the larger business, with $515m of revenue in fiscal 2025 against $392m for Nicolet Bankshares (1.3 times as much). Nicolet Bankshares grew faster (11.9% against 2.7%). CVB Financial kept more of each dollar of sales as profit: a net margin of 40.6% against 38.4%.
| Latest fiscal year | CVB FinancialCVBF, 2025 | Nicolet BanksharesNIC, 2025 |
|---|---|---|
| Revenue | $515m | $392m |
| Revenue growth | 2.7% | 11.9% |
| Net income | $209m | $151m |
| Operating margin | — | — |
| Net margin | 40.6% | 38.4% |
| Return on equity | 9.3% | 12.4% |
| Free cash flow | $217m | $149m |
| Cash | $376m | $660m |
| Total debt | $0 | $135m |
| Debt to equity | — | — |
| Dividend per share | $0.80 | $1.24 |
| Dividend yield | 2.7% | 0.7% |
| Share buybacks | $81.1m | $76.6m |
| Employees | 1,079 | 986 |
| Market value | $4.07bn | $3.64bn |
| Price vs our value range | — | — |
| Moat score | 81 (Strong) | 68 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 2 buys, 11 sales |