EFSC
Price
$66.10
Change
-$0.76 (-1.14%)
Updated
Jun 29, 04:59 PM (EDT)
Capitalization
2.42B
27 days until earnings call
Intraday BUY SELL Signals
NIC
Price
$162.89
Change
-$0.36 (-0.22%)
Updated
Jun 29, 04:59 PM (EDT)
Capitalization
3.47B
22 days until earnings call
Intraday BUY SELL Signals
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EFSC vs NIC

EFSC vs NIC Comparison Chart in %
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EFSC vs. NIC commentary
Jun 30, 2026

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.

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COMPARISON
Comparison
Jun 30, 2026
Stock price -- (EFSC: $66.86 vs. NIC: $162.92)
Brand notoriety: EFSC and NIC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: EFSC: 401% vs. NIC: 132%
Market capitalization -- EFSC: $2.42B vs. NIC: $3.46B
EFSC [@Regional Banks] is valued at $2.42B. NIC’s [@Regional Banks] market capitalization is $3.46B. The market cap for tickers in the [@Regional Banks] industry ranges from $142.82B to $0. The average market capitalization across the [@Regional Banks] industry is $6.29B.

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 undervalued. 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 0 FA rating(s) are green whileNIC’s FA Score has 2 green FA rating(s).

  • EFSC’s FA Score: 0 green, 5 red.
  • NIC’s FA Score: 2 green, 3 red.
According to our system of comparison, EFSC is a better buy in the long-term than NIC.

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 4 TA indicator(s) are bullish while NIC’s TA Score has 5 bullish TA indicator(s).

  • EFSC’s TA Score: 4 bullish, 4 bearish.
  • NIC’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, NIC is a better buy in the short-term than EFSC.

Price Growth

EFSC (@Regional Banks) experienced а +5.67% price change this week, while NIC (@Regional Banks) price change was +7.72% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +3.45%. For the same industry, the average monthly price growth was +7.07%, and the average quarterly price growth was +17.89%.

Reported Earning Dates

EFSC is expected to report earnings on Jul 27, 2026.

NIC is expected to report earnings on Jul 21, 2026.

Industries' Descriptions

@Regional Banks (+3.45% 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.

SUMMARIES
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FUNDAMENTALS
Fundamentals
NIC($3.47B) has a higher market cap than EFSC($2.42B). NIC has higher P/E ratio than EFSC: NIC (17.77) vs EFSC (11.94). NIC YTD gains are higher at: 35.213 vs. EFSC (25.241). EFSC has more cash in the bank: 259M vs. NIC (123M). NIC has less debt than EFSC: NIC (180M) vs EFSC (413M). EFSC has higher revenues than NIC: EFSC (634M) vs NIC (437M).
EFSCNICEFSC / NIC
Capitalization2.42B3.47B70%
EBITDAN/AN/A-
Gain YTD25.24135.21372%
P/E Ratio11.9417.7767%
Revenue634M437M145%
Total Cash259M123M211%
Total Debt413M180M229%
FUNDAMENTALS RATINGS
EFSC vs NIC: Fundamental Ratings
EFSC
NIC
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
52
Fair valued
84
Overvalued
PROFIT vs RISK RATING
1..100
4422
SMR RATING
1..100
3551
PRICE GROWTH RATING
1..100
4342
P/E GROWTH RATING
1..100
4032
SEASONALITY SCORE
1..100
5085

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 (52) in the Regional Banks industry is in the same range as NIC (84). This means that EFSC’s stock grew similarly to NIC’s over the last 12 months.

NIC's Profit vs Risk Rating (22) in the Regional Banks industry is in the same range as EFSC (44). This means that NIC’s stock grew similarly to EFSC’s over the last 12 months.

EFSC's SMR Rating (35) in the Regional Banks industry is in the same range as NIC (51). This means that EFSC’s stock grew similarly to NIC’s over the last 12 months.

NIC's Price Growth Rating (42) 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.

NIC's P/E Growth Rating (32) in the Regional Banks industry is in the same range as EFSC (40). This means that NIC’s stock grew similarly to EFSC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
EFSCNIC
RSI
ODDS (%)
Bearish Trend 4 days ago
62%
Bearish Trend 4 days ago
49%
Stochastic
ODDS (%)
Bearish Trend 4 days ago
61%
Bearish Trend 4 days ago
60%
Momentum
ODDS (%)
Bullish Trend 4 days ago
62%
Bullish Trend 4 days ago
66%
MACD
ODDS (%)
Bullish Trend 4 days ago
61%
Bullish Trend 4 days ago
57%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
58%
Bullish Trend 4 days ago
58%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
51%
Bullish Trend 4 days ago
56%
Advances
ODDS (%)
Bullish Trend 5 days ago
56%
Bullish Trend 4 days ago
61%
Declines
ODDS (%)
Bearish Trend 14 days ago
62%
Bearish Trend 29 days ago
61%
BollingerBands
ODDS (%)
Bearish Trend 4 days ago
56%
Bearish Trend 4 days ago
49%
Aroon
ODDS (%)
Bullish Trend 4 days ago
47%
Bearish Trend 4 days ago
56%
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EFSC
Daily Signal:
Gain/Loss:
NIC
Daily Signal:
Gain/Loss:
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EFSC and

Correlation & Price change

A.I.dvisor indicates that over the last year, EFSC has been closely correlated with FRME. 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 FRME could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To EFSC
1D Price
Change %
EFSC100%
N/A
FRME - EFSC
87%
Closely correlated
N/A
BUSE - EFSC
86%
Closely correlated
N/A
THFF - EFSC
86%
Closely correlated
N/A
MBWM - EFSC
85%
Closely correlated
N/A
CATY - EFSC
85%
Closely correlated
N/A
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.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To NIC
1D Price
Change %
NIC100%
+1.18%
WSBC - NIC
80%
Closely correlated
+0.66%
CTBI - NIC
77%
Closely correlated
+1.32%
MBWM - NIC
76%
Closely correlated
+1.46%
BUSE - NIC
76%
Closely correlated
+1.33%
EFSC - NIC
75%
Closely correlated
+2.05%
More