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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 Framework: Banks & Lenders Mid Cap
Nicolet Bankshares, Inc. (NIC), is a Mid Cap company, in the Banks - Regional industry, last closed at $167.91, about 25.8% overvalued vs fair value, +27.7% 1Y return, ranked 280/1078 in sector.
Metrics P/E 12.4× Rev Growth 12.3% ROE 12.4% Gross Margin 97.9% Div Yield 1.04%
USD 167.91
0.53%
(Delayed)
• Vol 90d: 31.3%
52-Week Range
Market Cap
$3.47B
Enterprise Value
$3.03B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Dividend Jun 15
Earnings Jul 14 Estimated

Fair Value Snapshot

Bear Base Bull
$69
$125
$233
Current: $167.91 -26% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$470.9M
7.4%%
Interest Expense
$164.5M
Net Interest Income
$306.5M
14.3%%
Total Revenue
$392.0M
12.3%%
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
12.0%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$107.9M
71.6% 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
72
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
70
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing NIC's balance between Growth (27.1%), Profitability (37.9%), and Safety (34.9%). Growth 27% Safety 35% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

53th percentile vs peers
54
Key Signals
NII Growth YoY 14.3% 65p Asset Growth YoY 4.4% 49p EPS Growth YoY 21.6% 56p Equity Growth YoY 7.2% 40p
Strengths
  • ROTE in top 20% of peers (17.4%, 83th percentile)
  • ROA in top 20% of peers (1.4%, 82th percentile)
  • Financial Leverage in top 20% of peers (7.40, 80th percentile)
  • D/E Ratio in top 20% of peers (10.7%, 84th percentile)
  • Debt/Assets in top 20% of peers (1.5%, 83th percentile)
Risks

No significant risks identified for this axis.

Profitability

75th percentile vs peers
75
Key Signals
Strengths
Risks
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Safety

69th percentile vs peers
69
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
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$124.61
- - -
-25.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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