Nicolet Bankshares, Inc. (NIC)

NYQ – Real Time Price. Currency in USD

178.39

+1.12 (0.63%)

Market open: Aug 12, 2026, 11:17 AM EDT

177.27

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 177.27$
Day's range: 172.84 - 177.49$
52-week range: 114.12 - 177.49$
Volume: 138 048
Average volume: 157 923
Beta: 0.19
EPS (TTM): 9.05
PE ratio (TTM): 20.13
Forward P/E: 15.12
Market cap: 3 715 138 562
Shares outstanding: 20 957 514
Dividend yield: $0.74 (0.74%)
Next earnings date: 2026-10-20
Sector: Financials
Industry: Banks - Regional

About the company

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, Michigan, and Minnesota. The company accepts demand deposits, checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts. It also offers commercial loans, including commercial, industrial, and bus... read more

CEO: Michael Daniels
Country: United States
IPO Date
Employees: 1236
Fiscal Year End: January - December
Website: https://www.nicoletbank.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: NIC

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Overall Score

5.4 / 1054%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $92.8M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.0) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $89.3M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.11	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.04	0.05	9.0
Debt to Assets	0.01	0.09	10
Interest coverage	N/A	N/A	10
Weighted average score			6.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	332M	420M	521M	557M	708M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	127M	88M	155M	189M	244M
Net Income	94M	62M	124M	151M	154M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	44.94	0.44	10
Net margin %	32.01	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	39.38	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.42	1.46	3.0
ROE	10.33	14.94	7.0
ROIC	9.34	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	68.64	15.1	9.5
Next quarter	68.44	19.17	9.5
Current year	68.99	19.37	9.5
Next year	7.47	15.34	7.0
Weighted average score			8.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	29.25	274.45	8.73	491.92	9.0
Y/Y	71.53	57.9	27.23	129.68	10
3y average	19.14	29.47	13.11	16.49	9.0
5y average	21.81	28.94	11.92	23.62	9.3
Weighted average score					9.3

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	19.43	11.16	4.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	5.93	3.37	3.2
P/B	1.60	1.53	5.6
Weighted average score			3.6

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR15.95%

FCF 5 year CAGR4

Fair value145.67$

Stock price177.84$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.94	0.94	4.0
Payout ratio	13.26	13.26	3.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	2.00	2.00	3.0
Weighted average score			3.3

Fair Value

$145.67

UndervaluedStock priceOvervalued

$177.84

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Michael Daniels

Country

United States

IPO Date

Employees

1236

Fiscal Year End

January - December

Website

https://www.nicoletbank.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.11

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.04

0.05

9.0

Debt to Assets

0.01

0.09

Interest coverage

N/A

Weighted average score

6.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

332M

420M

521M

557M

708M

Gross Profit

N/A

Operating Income

127M

88M

155M

189M

244M

Net Income

94M

62M

124M

151M

154M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

44.94

0.44

Net margin %

32.01

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

39.38

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.42

1.46

3.0

ROE

10.33

14.94

7.0

ROIC

9.34

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

68.64

15.1

9.5

Next quarter

68.44

19.17

9.5

Current year

68.99

19.37

9.5

Next year

7.47

15.34

7.0

Weighted average score

8.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

29.25

274.45

8.73

491.92

9.0

Y/Y

71.53

57.9

27.23

129.68

3y average

19.14

29.47

13.11

16.49

9.0

5y average

21.81

28.94

11.92

23.62

9.3

Weighted average score

9.3

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

19.43

11.16

4.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

5.93

3.37

3.2

P/B

1.60

1.53

5.6

Weighted average score

3.6

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.94

4.0

Payout ratio

13.26

3.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

2.00

3.0

Weighted average score

3.3

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Nicolet Bankshares, Inc. (NIC)

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Nicolet Bankshares, Inc. (NIC)

Stock details

About the company

Revenue Breakdown

News

Chart: NIC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$145.67

$177.84

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: NIC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$145.67

$177.84

Economic Moat