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Nicolet Bankshares

NYQ:NIC · US65406E1029
BanksSmall

360

94
Profit price22
Cash yield27
Price/Sales6
EV / Gross Profit29
Price/Book34
Returns on capital45
Profit margins—
Cash Conversion28
Accruals63
Owner Earnings Margin74
Sales growth100
Profit Growth81
Owner Earnings Growth13
Reinvestment100
Price momentum18
Debt load64
Debt serviceability61
Liquidity64
Analyst ratings63
Opinion Changes50
Price Target Upside94
Market mood88
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Nicolet Bankshares clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Founded2000
Websiteinvestors.nicoletbank.com
ISINUS65406E1029
Last UpdateApr 2, 2026

Description

Nicolet Bankshares, Inc. (‘Nicolet’) conducts its primary operations through its wholly owned subsidiary, Nicolet National Bank (the ‘Bank’), a commercial bank. As of December 31, 2024, the company also wholly owned a registered investment advisory…

Analysis

Beloved champion

Nicolet Bankshares, Inc. is a beloved champion: its quality is genuine, and the market already prices it as exceptional.

The price is fair. You pay 22.0× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is solid and accelerating and the balance sheet is stretched. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
94
2023202420252026

All-time high

94

Jun 2026

All-time low

3

Jan 2023

Average rank

51

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
6
1
1
15
Price/Earnings
40
11
28
36
Price/Book
34
10
36
26
Dividend Yield
27
11
7
1
Value (overall)
21
4
7
9

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →