Nicolet Bankshares, Inc. NIC

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171.56 USD -0.96 -0.56%

At close · Oct 30

171.56 0.00 0.00%

After hours · Oct 30, 4:06 PM ET

Bid
171.15 × 100
Ask
171.75 × 200
170.99 Day range 173.81
116.05 52-week range 179.02
YTD
+41.43%
1 year
+47.83%
Open
173.34
Prev close
172.52
Mkt cap
3.60B
Vol
127.33K
Avg vol
157.94K
EPS
9.21
P/E
18.63
Div yield
0.83%
More statistics
Low
170.99
High
173.81
Forward P/E
12.53
Beta
0.64
Short ratio
6.62
Inst. own
65.42%
Dividend
1.44
Ex-div date
Nov 30, 2026
Earnings
Jan 19, 2027
50-d avg
167.90
200-d avg
156.87
1y target
194.20

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Financial health

Altman Z-Score

-0.47 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 2
  • P/B 3

Valuation

P/E 12.1×
FY 2016: 19.2×FY 2017: 15.6×FY 2018: 11.5×FY 2019: 12.9×FY 2020: 11.4×FY 2021: 15.2×FY 2022: 11.8×FY 2023: 19.3×FY 2024: 12.7×FY 2025: 12.1×
FY 2016 5y median 12.7× FY 2025
P/S 3.3×
FY 2016: 3.3×FY 2017: 3.6×FY 2018: 2.9×FY 2019: 3.7×FY 2020: 3.2×FY 2021: 3.9×FY 2022: 3.3×FY 2023: 2.8×FY 2024: 3.0×FY 2025: 3.3×
FY 2016 5y median 3.3× FY 2025
P/B 1.4×
FY 2016: 1.2×FY 2017: 1.4×FY 2018: 1.2×FY 2019: 1.4×FY 2020: 1.3×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 1.4×
FY 2016 5y median 1.1× FY 2025
P/FCF 12.2×
FY 2016: 16.4×FY 2017: 13.4×FY 2018: 10.1×FY 2019: 13.1×FY 2020: 10.1×FY 2021: 10.8×FY 2022: 10.6×FY 2023: 13.2×FY 2024: 13.5×FY 2025: 12.2×
FY 2016 5y median 12.2× FY 2025
EV/EBITDA 6.4×
FY 2016: 7.4×FY 2017: 7.7×FY 2018: 4.9×FY 2019: 7.3×FY 2020: -1.0×FY 2021: 5.5×FY 2022: 10.1×FY 2023: 8.1×FY 2024: 7.0×FY 2025: 6.4×
FY 2016 5y median 7.0× FY 2025
EV/Sales 2.3×
FY 2016: 2.4×FY 2017: 3.1×FY 2018: 1.8×FY 2019: 3.0×FY 2020: -0.4×FY 2021: 2.2×FY 2022: 4.5×FY 2023: 2.1×FY 2024: 2.3×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
FCF Yield 8.2%
FY 2016: 6.1%FY 2017: 7.5%FY 2018: 9.9%FY 2019: 7.6%FY 2020: 9.9%FY 2021: 9.2%FY 2022: 9.5%FY 2023: 7.6%FY 2024: 7.4%FY 2025: 8.2%
FY 2016 5y median 8.2% FY 2025

Profitability

Gross Margin 69.5%
FY 2016: 91.1%FY 2017: 91.0%FY 2018: 87.6%FY 2019: 87.7%FY 2020: 85.8%FY 2021: 88.1%FY 2022: 86.3%FY 2023: 65.5%FY 2024: 66.5%FY 2025: 69.5%
FY 2016 5y median 69.5% FY 2025
Operating Margin 33.8%
FY 2016: 27.5%FY 2017: 34.7%FY 2018: 33.2%FY 2019: 37.0%FY 2020: 38.0%FY 2021: 33.9%FY 2022: 37.9%FY 2023: 20.8%FY 2024: 29.9%FY 2025: 33.8%
FY 2016 5y median 33.8% FY 2025
Net Margin 27.3%
FY 2016: 18.1%FY 2017: 23.1%FY 2018: 24.9%FY 2019: 28.4%FY 2020: 28.2%FY 2021: 25.4%FY 2022: 28.4%FY 2023: 14.8%FY 2024: 23.9%FY 2025: 27.3%
FY 2016 5y median 25.4% FY 2025
ROE 12.0%
FY 2016: 6.7%FY 2017: 9.1%FY 2018: 10.6%FY 2019: 10.6%FY 2020: 11.2%FY 2021: 6.8%FY 2022: 9.7%FY 2023: 5.9%FY 2024: 10.6%FY 2025: 12.0%
FY 2016 5y median 9.7% FY 2025
ROIC 1.6%
FY 2016: 6.3%FY 2017: 7.9%FY 2018: 8.9%FY 2019: 9.4%FY 2020: 10.2%FY 2021: 5.2%FY 2022: 6.2%FY 2023: 4.8%FY 2024: 8.9%FY 2025: 1.6%
FY 2016 5y median 5.2% FY 2025
ROA 1.6%
FY 2016: 0.8%FY 2017: 1.1%FY 2018: 1.3%FY 2019: 1.5%FY 2020: 1.3%FY 2021: 0.8%FY 2022: 1.1%FY 2023: 0.7%FY 2024: 1.4%FY 2025: 1.6%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 6.4%
FY 2016: 54.0%FY 2017: 40.3%FY 2018: 15.1%FY 2019: 16.6%FY 2020: 10.8%FY 2021: 12.2%FY 2022: 38.9%FY 2023: 25.5%FY 2024: 24.6%FY 2025: 6.4%
FY 2016 FY 2025
Operating Income 20.5%
FY 2016: 59.1%FY 2017: 77.1%FY 2018: 10.3%FY 2019: 29.7%FY 2020: 13.8%FY 2021: 0.2%FY 2022: 55.0%FY 2023: -31.1%FY 2024: 79.1%FY 2025: 20.5%
FY 2016 FY 2025
EPS (diluted) 21.5%
FY 2016: -7.8%FY 2017: 40.5%FY 2018: 23.7%FY 2019: 34.0%FY 2020: 3.3%FY 2021: -4.6%FY 2022: 20.6%FY 2023: -37.8%FY 2024: 97.3%FY 2025: 21.5%
FY 2016 FY 2025
Free Cash Flow 27.5%
FY 2016: 49.6%FY 2017: 86.4%FY 2018: 20.8%FY 2019: 15.0%FY 2020: 26.7%FY 2021: 24.6%FY 2022: 23.9%FY 2023: -14.6%FY 2024: 30.6%FY 2025: 27.5%
FY 2016 FY 2025

Financial Health

Current Ratio 5079×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 5079×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 5079×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 5079×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.1×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.6×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -2.6×
FY 2016: -2.9×FY 2017: -1.4×FY 2018: -2.8×FY 2019: -1.7×FY 2020: -8.5×FY 2021: -4.2×FY 2022: 2.5×FY 2023: -3.2×FY 2024: -2.2×FY 2025: -2.6×
FY 2016 5y median -2.6× FY 2025
Interest Coverage 1.1×
FY 2016: 3.8×FY 2017: 4.7×FY 2018: 2.9×FY 2019: 3.2×FY 2020: 4.1×FY 2021: 6.0×FY 2022: 3.7×FY 2023: 0.6×FY 2024: 0.9×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 1.0%
FY 2016: 0.2%FY 2017: 0.1%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.9%FY 2024: 1.0%FY 2025: 1.0%
FY 2016 5y median 0.9% FY 2025
Payout Ratio 12.4%
FY 2016: 3.4%FY 2017: 1.9%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 18.1%FY 2024: 13.3%FY 2025: 12.4%
FY 2016 5y median 12.4% FY 2025

Annual · latest fiscal year ends 2025-12-31