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Company Analysis

Nicolet Bankshares Inc. NIC

A comprehensive view of key metrics, scores, and financial health for Nicolet Bankshares Inc.

Overview of Nicolet Bankshares, Inc.

NIC NYQ
Financial Services Banks - Regional Mid Cap
Nicolet Bankshares, Inc. (NIC), is a Mid Cap company, in the Banks - Regional industry, last closed at $149.21, about 44.6% overvalued vs fair value, +29.4% 1Y return, ranked 407/1004 in sector.
$149.21
-0.28%
As of March 13, 2026
Previous close • Vol 90d: 30.5%
52-Week Range
Market Cap
$3.16B
Enterprise Value
$2.64B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.nicoletbank.com
HQ Green Bay, WI
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$46
$83
$155
Current: $149.21 -45% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$438.4M
14.5%%
Interest Expense
$164.5M
Net Interest Income
$268.1M
11%%
Total Revenue
$552.6M
58.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.6%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$95.2M
76.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Nicolet Bankshares Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
69
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NIC's balance between Growth (26.5%), Profitability (37.3%), and Safety (36.2%). Growth 26% Safety 36% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

58th percentile vs peers
58
Key Signals
Revenue CAGR 3Y 22.8% 68p Rev Growth YoY 58.3% 52p Asset Growth YoY 4.4% 54p
Strengths
  • Roa in top 20% of peers (1.4%, 86th percentile)
  • Operating Margin in top 20% of peers (33.8%, 84th percentile)
  • Net Profit Margin in top 20% of peers (27.3%, 86th percentile)
  • Roa in top 20% of peers (1.4%, 86th percentile)
Risks

No significant risks identified for this axis.

Profitability

81th percentile vs peers
82
Key Signals
Strengths
Risks
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Safety

79th percentile vs peers
79
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Nicolet Bankshares Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$82.60
- - -
-44.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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