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F.N.B. ( NYSE:FNB – Get Free Report ) and Nicolet Bankshares ( NYSE:NIC – Get Free Report ) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their risk, analyst recommendations, dividends, institutional ownership, profitability, valuation and earnings. Volatility & Risk F.N.B. has a beta of 0.95, indicating that its share price is 5% less volatile than the S&P 500. Comparatively, Nicolet Bankshares has a beta of 0.75, indicating that its share price is 25% less volatile than the S&P 500. Profitability This table compares F.N.B. and Nicolet Bankshares’ net margins, return on equity and return on assets. Dividends Analyst Ratings This is a breakdown of recent recommendations and price targets for F.N.B. and Nicolet Bankshares, as reported by MarketBeat. F.N.B. presently has a consensus price target of $16.83, suggesting a potential downside of 1.85%. Nicolet Bankshares has a consensus price target of $106.00, suggesting a potential downside of 6.05%. Given F.N.B.’s stronger consensus rating and higher probable upside, analysts clearly believe F.N.B. is more favorable than Nicolet Bankshares. Valuation and Earnings This table compares F.N.B. and Nicolet Bankshares”s top-line revenue, earnings per share (EPS) and valuation. F.N.B. has higher revenue and earnings than Nicolet Bankshares. Nicolet Bankshares is trading at a lower price-to-earnings ratio than F.N.B., indicating that it is currently the more affordable of the two stocks. Insider and Institutional Ownership 79.3% of F.N.B. shares are owned by institutional investors. Comparatively, 43.1% of Nicolet Bankshares shares are owned by institutional investors. 1.0% of F.N.B. shares are owned by insiders. Comparatively, 16.4% of Nicolet Bankshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term. Summary F.N.B. beats Nicolet Bankshares on 9 of the 16 factors compared between the two stocks. About F.N.B. ( Get Free Report ) F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. It also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania. About Nicolet Bankshares ( Get Free Report ) 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. Receive News & Ratings for F.N.B. Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for F.N.B. and related companies with MarketBeat.com's FREE daily email newsletter .(The Center Square) – Prosecutors introduced secretly recorded audio and video along with a troubled star witness at the public corruption trial of former Illinois House Speaker Michael Madigan. Former Chicago Alderman Daniel Solis returned to the Everett McKinley U.S. Courthouse Monday. Solis is facing one federal count of bribery under a deferred prosecution agreement. The ex-alderman began cooperating with federal investigators in 2016. Separately Monday, former Chicago Alderman Daniel Solis, former Illinois House Speaker Michael Madigan and Madigan codefendant Michael McClain enter the federal court building in Chicago Monday, Nov. 25, 2024. U.S. government attorney Diane MacArthur first introduced a recording of Madigan and Solis nearly two years before the alderman started cooperating with the government. The recording involved a conversation with Chinese developer, See Wong, who wanted to build a hotel on a parcel of land in Chicago’s Chinatown neighborhood. The land was owned by the state of Illinois at the time, but Solis said a zoning change would be required from the city in order for a hotel to be built. At Madigan’s request, Solis said he facilitated the meeting on Aug. 8, 2014, at Madigan’s law firm, Madigan and Getzendanner, about the land along Wentworth Avenue between Archer Avenue and Cermak Road. Madigan’s law partner, Bud Getzendanner, discussed how successful the firm had been in working with hotels to make sure they were not taxed more than necessary. ”A large component of your expense for hotels is real estate taxes,” Getzendanner said during the recorded meeting. Getzendanner said the firm charged 12.5% of the tax savings obtained. Madigan told Wong and an interpreter about the quality of service his firm provided. “We don’t take a second seat to anybody,” Madigan said. The developer then asked for a picture with Madigan and Solis. Solis told the group that Wong would benefit from working with Madigan. “If he works with the Speaker, he will get anything he needs for that hotel,” Solis said on the recording. Solis testified that he meant the city would provide the zoning change the developer needed from the city if the developer hired Madigan’s law firm. Solis said the zoning change was approved, but the proposed hotel was never built. MacArthur asked Solis about the bribery charge he is still facing, which Solis said involved the redevelopment of a property in Chicago from a restaurant to a residential building in 2015. Solis said two problems prevented the project from moving forward: labor unions’ perceived lack of representation in the development and residents' concerns in the ward. The former alderman admitted that he solicited a campaign contribution from the developer or from one or more of the developer’s vendors while the project’s zoning change was still under consideration. Solis said he believed the developer was on board and that he would be getting donations from the developers’ vendors. The zoning change was approved by the city council, Solis said. He testified he solicited and accepted campaign contributions from other developers who had matters pending before the city council’s zoning committee. Solis then testified about about a variety of things like massages that turned sexual, trips to Las Vegas, tickets to professional sporting events, no-paperwork six-figure loans he'd paid back. He even admitted to an extramarital affair he had with an interpreter. Solis said he was separated from his wife for about five years and their house went into foreclosure. He also confessed that he lied to a collection agency by saying he was out of work. MacArthur asked Solis about his sister, Patti Solis Doyle, who worked on campaigns for former Chicago Mayor Richard M. Daley, former President Bill Clinton and former U.S. Senator Hillary Clinton, D-New York. Solis Doyle also managed Hillary Clinton’s presidential campaign in 2008. Solis said his sister was involved in a hotel project in which the developer offered her $100,000. Solis said his sister offered to split the sum with her brother. As chairman of the city’s zoning committee, Solis said he told his sister he could not accept money regarding a hotel development. Solis said his sister told him there would be another way she could compensate him. The former alderman said he did receive funds from his sister for referring her to his friend Brian Hynes’ state vendor assistance program. Monday afternoon, Solis testified that FBI agents visited his home on June 1, 2016, and played audio and video recordings. After considering an attorney, Solis said he decided to cooperate with the FBI a few days later and agreed to let investigators tap his phone. Solis also said he told an attorney friend that he was cooperating with the FBI in regard to an investigation of an organization he was involved in. Solis said he made recordings for several investigations he was involved in as part of his deferred prosecution agreement. He began communicating with Madigan after receiving a voicemail message on June 12, 2017. Solis said he discussed the Chinatown land deal, his interest in getting a state board appointment, and referring clients to Madigan’s law firm while cooperating with the government from June 2016 to December 2017. Solis admitted that he was not really interested in a state board appointment, but he raised the issue with Madigan at the direction of law enforcement. Solis said he began communicating with Madigan codefendant Michael McClain about the Chinatown parcel in the fall of 2017. He said he had to continue to perform his duties as an alderman while cooperating with the FBI because of “the farce” that he was involved in. Solis discussed a 2017 redevelopment project that required a zoning change involving a Union West development in Chicago’s West Loop. MacArthur played a recording, dated June 12, 2017, of Madigan asking Solis about the development. During the call, Solis told the speaker he would try to arrange an introduction for Madigan with the developers. In a subsequent call, Solis promised to arrange a meeting and said, “I think these guys get it, the quid pro quo and how it works.” When MacArthur asked Solis why he said that, Solis said he didn’t know and said it was “dumb.” MacArthur asked Solis if he used the words “quid pro quo” at the direction of law enforcement. “No,” Solis said. Union West developer Andrew Cretal agreed to meet with Madigan and told Solis, “confidentially,” that his company was working with Goldman Sachs as an equity partner and that he would “circle back” with Solis. MacArthur played a recording of Madigan privately telling Solis not to use the words, “quid quo pro.” The conversation immediately preceded the meeting Cretal and the Union West group had at Madigan's and Getzendanner’s law office. During the meeting, Madigan repeated to Cretal’s group what he had said to See Wong. “We don’t take a second seat to anybody,” Madigan said. Solis said he met with Madigan again privately after the meeting with the intention of discussing the Chinatown parcel. Solis said he had been having frequent meetings about the land with potential developers. During the recording, Solis said that nothing could really happen until the state transferred the land. Connie Mixon, professor of Political Science and director of the Urban Studies Program at Elmhurst University, served as an expert witness at the corruption trial of longtime Chicago Democrat Ed Burke, who served on the city council from 1969 to 2023. A jury convicted Burke in December 2023 on 18 counts of racketeering, bribery, attempted extortion and conspiracy to commit extortion and using interstate commerce to facilitate an unlawful activity. Mixon said that Solis also testified as a cooperating witness during Burke’s trial. “It seemed as if, in the sentencing for the Burke trial, the judge did take a bit of exception to the fact that Solis, who also had potential criminal charges, was essentially getting away without any sort of repercussions,” Mixon told The Center Square. Mixon described Solis as a damaged witness. “He’s absolutely damaged, but as much as he’s damaged, you have the words on the wiretap. Having the defendants’ words played in the courtroom, they are really the witness against themselves when you have those wiretaps,” Mixon explained. Before the jury was seated Monday morning, prosecutors said they would provide the court with revised jury instructions by Dec. 3. Judge John Robert Blakey said he could deny admittance of new materials after that date if he deemed them to be untimely. Madigan and McClain are charged with 23 counts of bribery, racketeering and official misconduct. The trial is scheduled to resume Tuesday morning in Chicago.LARAMIE – The University of Wyoming footbal team's season will likely end the same way it started: with junior Evan Svoboda at starting quarterback. Redshirt freshman Kaden Anderson was put into concussion protocol at the end of the first half last weekend against Boise State. He wasn't cleared to return, and first-year coach Jay Sawvel described his status for the season finale as "undetermined." "We'll see," the coach said during Monday's news conference. "Is there a word between questionable and doubtful? Whatever that is." Anderson has started the Cowboys' past three games. He replaced Svoboda going into the New Mexico game, and he holds a 1-2 record as the starter. His head injury came on a screen pass on UW's second-to-last drive of the second quarter. "We did a poor job at left tackle protecting the quarterback, and he took a hit and his head hit the turf very hard," Sawvel said. "We came out for our last series of the first half, and on our first play we had a motion on that play, and he didn't send the guy in the motion. That's probably when everybody started to realize something was up." Svoboda will get the keys to the offense against Washington State if Anderson doesn't clear concussion protocol in time. He'll be backed up by Gage Brook, who has never taken a college snap. Svoboda finished 6-of-13 for 87 yards against Boise State last weekend. He's 90-of-192 for 1,112 yards and four touchdowns with seven interceptions on the year, and he's added 204 yards and five scores on the ground. The Cowboys are 2-9 overall and 2-5 in the Mountain West going into the season finale. They'll face a Washington State team (8-3) that just dropped out of the AP Top 25 with its second straight loss. Sawvel is determined to put this season in the past following this weekend's matchup with the Cougars. "There's going to be a major, deep dive into every aspect of the program," Sawvel said. "There are things that I already know and have identified that need correction and need adjustment." When asked about specific areas that need improvement, Sawvel said that information will come at a later date. "That'll be something that's probably for another time, probably for after the season," Sawvel said. "... We'll look at every phase in the program. The first thing I'm going to look at is myself and where I need to get better. This isn't going to be something where I say everybody else has some fault. I have a lot of it, and I have to make sure that I get better from it." Recruiting has picked up in recent weeks, and Sawvel said three athletes committed to UW following its game against Boise State. The recent activity brought the Cowboys' total commitments to 18 before early signing day Dec. 4, according to Sawvel. The NCAA will implement a new 105-player roster limit for football teams starting next year, which will alter UW's approach to recruiting. The Cowboys started this season with 118 players, with many of those being preferred walk-ons. “It’s going to drastically cut down preferred walk-on opportunities and things of that nature," Sawvel said. "Right now, we are a shut door in offering any preferred walk-on opportunities currently, and there’s also new rules with how the scholarships work." Under the new rule, if a UW football player receives money through an academic scholarship, the program can then use that money elsewhere for an athletic scholarship. “I love this. This is a great space,” Sawvel said. “... We’re at 18 commits right now. My hope would be to get to 22 or 23 by next Wednesday. That still leaves us working space to obtain 12 to 14 more players, and we’re going to do that.” Another big change for recruiting will be limited the number of players at each position on the roster, especially with the walk-on limitations. The rule change will likely lead to programs across the country encouraging players to transfer this offseason to get down to the 105-player limit. “We will have 105 players,” Sawvel said. “We will have 105 players that can’t live without football, and we’re going to have 105 players that ride for the brand. If I make the determination somewhere along the line that somebody’s not going to ride for the brand and can’t live without football, they will not be in that 105.” Despite the slow start to his tenure as UW's head coach, Sawvel still has plenty of gratitude as he prepares to spend Thanksgiving with his players and coaches. “I’m thankful to be the head coach at Wyoming,” Sawvel said. “Even though this isn’t the kind of year that anybody wants and this is the kind of year we never want to see again, I still am thankful for the people that I work with, player wise, each and every day. "I’m thankful for the opportunity to coach in a state like this and in a place where football is important. Because football is important, when it doesn’t go right, you’re going to hear from people, and you’re going to have people say things. That’s all fine. I get that, and that’s part of it, but the reality to it is that my job is to try to figure out what’s going to give us the best opportunity to be the best team that we can going forward. "I think there’s a number of pieces and factors in place that will give us that chance right now, and my job is to figure out the other pieces and to go get those.” The Cowboys end the season against Washington State at 4:30 p.m. Saturday in Pullman.
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It took far longer than anyone in the organization preferred, but the Utica Comets finally ended its winless streak. The Comets notched a 4-3 win Friday at the Syracuse Crunch — eventual American Hockey League Player of the Week Mike Hardman scored the game-winner with 73 seconds remaining — and then showed an opportunistic side less than 24 hours later in a 5-1 road victory over the Rochester Americans. Both Isaac Poulter (26 saves Friday) and Nico Daws (35 saves Saturday) were sharp in earning their first wins of the season. The results snapped the team-record 13-winless streak to start the season (technically 14, dating to the 23-24 season finale). The wins give the Comets a 2-10-2-1 overall record, getting them a step closer to no longer having the worst record in the 32-team league. Saturday's five goals were a season-best. Notably, the team totaled nine goals over the two wins which constitutes 30% of the total goals this season. The offensive outburst is a positive step for the Comets, who were averaging 1.6 goals per game entering the weekend. Hardman earns honor For his play on the weekend, Hardman was named Player of the Week on Monday. It is the first time the 25-year-old winger has earned the AHL's weekly award. Hardman totaled four points, including the eventual game-winners on Friday and Saturday. Hardman, returning from a three-game injury absence, had an assist to help give Utica a two-goal lead on Friday, before scoring two go-ahead goals in the third period, the second one coming with 1:13 remaining to help Utica get the win. Hardman, a fourth-year pro from Massachusetts, has four goals and one assist in seven games with the Comets this season. He signed as a free agent with the parent New Jersey Devils in the offseason. He's is the first Comets player to be named AHL Player of the Week since Dec. 25, 2022 (Graeme Clarke). Hardman is the eighth Comets player to earn the weekly honor since 2013. Holding off Syracuse Comets' captain Ryan Schmelzer ended two other droughts with the game's opening goal in the first period Friday in Syracuse. It was his first goal of the season and it snapped a stretch of 138 minutes the team had gone without a goal over parts or all of four games. While on the power play, Schmelzer circled into the left faceoff dot and took a snap pass from rookie defenseman Seamus Casey and one-timed a rocket past sprawling goaltender Matt Tomkins. The Comets had not scored in a 2-0 loss at home the previous weekend. Utica;s lead doubled when Beckman got his second point of the night, 2:41 into the second period. When the puck came out from along the boards in the offensive zone, Hardman took a shot from far out as Beckman drove the net and tipped it in over Tomkins' glove. It was Beckman's third goal of the season and Hardman's first assist. Syracuse cashed on two power plays in the second and third period to tie the game. Hardman grabbed the lead back with his second goal of the season with just under 10 minutes left in regulation. The puck was pushed to him on a rebound, and he ripped a shot from the right faceoff circle that hit the back of the net, putting the Comets up 3-2. The Crunch's Conor Sheary then tied the game with 4:40 left in regulation. However, a second power-play tally for the Comets was the goal that finally ended the winless streak. Hardman sent a rebound off his own initial shot past Tomkins. After work on special teams leading into the game, Utica finished 2-for-3 on the power play. Though, the penalty kill finished 1-for-3. It was the first AHL coaching win for interim coach Ryan Parent. Rolling past Rochester While it wasn't the prettiest of outings — Utica had six total shots through 26 minutes of game time, for example — Utica was opportunistic Saturday in Rochester. It snapped a three-game winless streak vs. the Amerks. It helped Utica's power play also scored twice, including the first goal of the game 8:44 into the opening period by Brian Halonen. He scored through a mess of bodies in front after a short pass from Xavier Parent. Utica's three-goal second period helped give the team a 4-0 lead and Comets came within 10.8 seconds of shutting out the Amerks before Brendan Warren scored the Amerks' only goal in the 5-1 loss. Utica extended the lead to 4-0 over a less than nine-minute span with goals from Hardman (from the bottom of the right circle), Halonen (one-timer from the left circle on the power play) and Nathan Légaré tapping in the puck on feed from Topias Vilen on the rush. That goal ended Felix Sandstrom’s night (11 saves on 15 shots). Schmelzer scored from the top of the right circle near the midpoint of the third. It was the sixth loss in seven games for Rochester. Casey, points leader Casey, playing in his 11th game with Utica, finished with back-to-back two-point games. He leads the team 13 points, including a team-best 12 assists. His points are tied for seventh among all AHL rookies. Upcoming The Comets have their final home game of November at 7 p.m. Wednesday against Providence. It is the first of two visits for Boston's AHL affiliate. Utica then heads to Springfield for a 4:05 p.m. game Friday in Massachusetts. Then, Utica meets Providence again at 7 p.m. Saturday in Rhode Island to close November.
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