Is NIC or OCFC more undervalued in 2026?

CirclFi compares Nicolet Bankshares Inc. (NIC) and OceanFirst Financial Corp. (OCFC) using 13 institutional-grade valuation models. NIC has a Quality of Company score of 9.0/10 while OCFC scores 6.3/10.

Which is a better buy — NIC or OCFC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do NIC and OCFC valuations compare?

NIC at $140.27 and OCFC at $18.79 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NIC vs OCFC Valuation Comparison 2026 — Intrinsic Value Analysis

NIC

National Commercial Banks

Nicolet Bankshares Inc.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$140.27

Last close

Models

12/13

Active

OCFC

National Commercial Banks

OceanFirst Financial Corp.

Quality

6.3

out of 10

Value Trap

SAFE

Price

$18.79

Last close

Models

8/13

Active

Model-by-Model Comparison

Model	Type	NIC Fair Value	NIC Upside	OCFC Fair Value	OCFC Upside
Bayesian DCF	Intrinsic	$57.53	-59.0%	—	—
Earnings Power Value	Intrinsic	$76.54	-45.4%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$86.61	-38.3%	$3.80	-79.8%
Markov DDM	Intrinsic	$61.73	-56.0%	$10.98	-41.6%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for NIC vs OCFC — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

NIC vs OCFC — Which Stock Is More Undervalued?

NIC scores higher with a 9.0/10 quality rating vs OCFC's 6.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Nicolet Bankshares Inc. (NIC) and OceanFirst Financial Corp. (OCFC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

NIC currently trades at $140.27 with a QOC of 9.0/10, while OCFC trades at $18.79 with a QOC of 6.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).