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EFSC vs NIC
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is EFSC is a Buy and NIC is a Buy.
EFSC in upward trend: 10-day moving average moved above 50-day moving average on November 02, 2026
The 10-day moving average for EFSC crossed bullishly above the 50-day moving average on November 02, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 9 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 60%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
The Moving Average Convergence Divergence (MACD) for EFSC just turned positive on October 12, 2026. Looking at past instances where EFSC's MACD turned positive, the stock continued to rise in 25 of 43 cases over the following month. The odds of a continued upward trend are 58%.
EFSC moved above its 50-day moving average on October 26, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +1.76% 3-day Advance, the price is estimated to grow further. Considering data from situations where EFSC advanced for three days, in 164 of 296 cases, the price rose further within the following month. The odds of a continued upward trend are 55%.
The Aroon Indicator entered an Uptrend today. In 110 of 210 cases where EFSC Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 52%.
Bearish Trend Analysis
The 10-day RSI Indicator for EFSC moved out of overbought territory on November 05, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 30 similar instances where the indicator moved out of overbought territory. In 19 of the 30 cases, the stock moved lower in the following days. This puts the odds of a move lower at 63%.
The Momentum Indicator moved below the 0 level on November 10, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on EFSC as a result. In 57 of 89 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 64%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where EFSC declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 62%.
EFSC broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 15 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 22 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 43 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock slightly better than average.
The Tickeron Price Growth Rating for this company is 47 (best 1 - 100 worst), indicating steady price growth. EFSC’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 57 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.141) is normal, around the industry mean (1.262). P/E Ratio (12.263) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (0.600) is also within normal values, averaging (1.194). Dividend Yield (0.023) settles around the average of (0.035) among similar stocks. P/S Ratio (3.575) is also within normal values, averaging (3.740).
NIC in upward trend: 10-day moving average crossed above 50-day moving average on October 28, 2026
The 10-day moving average for NIC crossed bullishly above the 50-day moving average on October 28, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 13 of 18 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 72%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on NIC as a result. In 50 of 82 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 61%.
The Moving Average Convergence Divergence (MACD) for NIC just turned positive on October 15, 2026. Looking at past instances where NIC's MACD turned positive, the stock continued to rise in 24 of 42 cases over the following month. The odds of a continued upward trend are 57%.
NIC moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +1.69% 3-day Advance, the price is estimated to grow further. Considering data from situations where NIC advanced for three days, in 194 of 322 cases, the price rose further within the following month. The odds of a continued upward trend are 60%.
The Aroon Indicator entered an Uptrend today. In 115 of 264 cases where NIC Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 44%.
Bearish Trend Analysis
The 10-day RSI Indicator for NIC moved out of overbought territory on October 28, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 38 similar instances where the indicator moved out of overbought territory. In 27 of the 38 cases, the stock moved lower in the following days. This puts the odds of a move lower at 71%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 36 of 60 cases where NIC's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 60%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where NIC declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 62%.
NIC broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron PE Growth Rating for this company is 12 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 12 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron SMR rating for this company is 19 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 41 (best 1 - 100 worst), indicating steady price growth. NIC’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 92 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.597) is normal, around the industry mean (1.262). P/E Ratio (18.858) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (0.220) is also within normal values, averaging (1.194). Dividend Yield (0.008) settles around the average of (0.035) among similar stocks. NIC's P/S Ratio (5.737) is slightly higher than the industry average of (3.740).
EFSC | NIC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 39 | 38 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 57 Fair valued | 92 Overvalued | |
PROFIT vs RISK RATING 1..100 | 43 | 12 | |
SMR RATING 1..100 | 15 | 19 | |
PRICE GROWTH RATING 1..100 | 47 | 41 | |
P/E GROWTH RATING 1..100 | 22 | 12 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
EFSC's Valuation (57) in the Regional Banks industry is somewhat better than the same rating for NIC (92). This means that EFSC’s stock grew somewhat faster than NIC’s over the last 12 months.
NIC's Profit vs Risk Rating (12) in the Regional Banks industry is in the same range as EFSC (43). This means that NIC’s stock grew similarly to EFSC’s over the last 12 months.
EFSC's SMR Rating (15) in the Regional Banks industry is in the same range as NIC (19). This means that EFSC’s stock grew similarly to NIC’s over the last 12 months.
NIC's Price Growth Rating (41) in the Regional Banks industry is in the same range as EFSC (47). This means that NIC’s stock grew similarly to EFSC’s over the last 12 months.
NIC's P/E Growth Rating (12) in the Regional Banks industry is in the same range as EFSC (22). This means that NIC’s stock grew similarly to EFSC’s over the last 12 months.
| EFSC | NIC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 63% | 2 days ago 71% |
| Stochastic ODDS (%) | 2 days ago 47% | 2 days ago 60% |
| Momentum ODDS (%) | 2 days ago 64% | 2 days ago 61% |
| MACD ODDS (%) | 2 days ago 58% | 2 days ago 57% |
| TrendWeek ODDS (%) | 2 days ago 62% | 2 days ago 59% |
| TrendMonth ODDS (%) | 2 days ago 52% | 2 days ago 57% |
| Advances ODDS (%) | 16 days ago 55% | 3 days ago 60% |
| Declines ODDS (%) | 6 days ago 62% | 24 days ago 62% |
| BollingerBands ODDS (%) | 2 days ago 67% | 2 days ago 64% |
| Aroon ODDS (%) | 2 days ago 52% | 2 days ago 44% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
EFSC’s FA Score shows that 2 FA rating(s) are green while NIC’s FA Score has 3 green FA rating(s).
- EFSC’s FA Score: 2 green, 3 red.
- NIC’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
EFSC’s TA Score shows that 6 TA indicator(s) are bullish while NIC’s TA Score has 6 bullish TA indicator(s).
- EFSC’s TA Score: 6 bullish, 4 bearish.
- NIC’s TA Score: 6 bullish, 4 bearish.
Price Growth
EFSC (@Regional Banks) experienced а -0.81% price change this week, while NIC (@Regional Banks) price change was +1.77% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.19%. For the same industry, the average monthly price growth was +2.45%, and the average quarterly price growth was +11.85%.
Reported Earning Dates
EFSC is expected to report earnings on Jan 25, 2027.
NIC is expected to report earnings on Jan 19, 2027.
Industries' Descriptions
@Regional Banks (-1.19% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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EFSC and
Correlation & Price change
A.I.dvisor indicates that over the last year, EFSC has been closely correlated with BY. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if EFSC jumps, then BY could also see price increases.
| Ticker / NAME | Correlation To EFSC | 1D Price Change % | ||
|---|---|---|---|---|
| EFSC | 100% | -0.56% | ||
| BY - EFSC | 87% Closely correlated | -0.08% | ||
| THFF - EFSC | 87% Closely correlated | +0.29% | ||
| FRME - EFSC | 86% Closely correlated | -0.56% | ||
| SRCE - EFSC | 85% Closely correlated | -0.50% | ||
| HBNC - EFSC | 85% Closely correlated | +0.61% | ||
More | ||||
NIC and
Correlation & Price change
A.I.dvisor indicates that over the last year, NIC has been closely correlated with WSBC. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if NIC jumps, then WSBC could also see price increases.
| Ticker / NAME | Correlation To NIC | 1D Price Change % | ||
|---|---|---|---|---|
| NIC | 100% | -0.11% | ||
| WSBC - NIC | 80% Closely correlated | -0.91% | ||
| EFSC - NIC | 74% Closely correlated | -0.56% | ||
| ORRF - NIC | 74% Closely correlated | -0.27% | ||
| MBWM - NIC | 73% Closely correlated | -0.44% | ||
| SFBS - NIC | 73% Closely correlated | -0.43% | ||
More | ||||
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| XLYX | 25.08 | N/A | N/A |
| Corgi U.S. Consumer Discretionary 2x Daily ETF (XLYX) | |||
| SASS | 24.50 | -0.07 | -0.30% |
| M.D. Sass Concentrated Value ETF (SASS) | |||
| STXF | 48.47 | -0.19 | -0.40% |
| Strive 500 ETF (STXF) | |||
| RLTY | 14.77 | -0.14 | -0.94% |
| Cohen & Steers Real Estate Opportunities and Income Fund | |||
| URAA | 13.78 | -1.13 | -7.58% |
| DIREXION DAILY URANIUM INDUSTRY BULL 2X SHARES | |||