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Nicolet Bankshares, Inc. (NIC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Nicolet Bankshares, Inc.

NICMarket cap $3.39BPrice $161.9

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks across Wisconsin and Michigan's Upper Peninsula, offering commercial and personal banking, wealth management, and trust services. It's grown through steady acquisitions, quietly building one of the region's most resilient regional banking franchises.

In Bastion Portfolios?

52W Return+30%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+11%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+16%–

Rev CAGR (5y)+10%8

Earnings Forecast

EPS Growth Y+1+19%8

EPS Growth Y+2+12%7

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin0%4

Net Income Margin30%9

Free Cash Flow Margin34%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE9%4

ROA1%3

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)137

P/E Ratio (Forward 3y)126

P/BV1.58

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%5

Dividend Yield0.9%3

Momentum

Short term

1 month return-6%4

3 month return+1%6

YTD return+34%9

Mid term

Price vs 52wHigh90%8

1 year return+23%7

Long term

3 year return+135%8

5 year return+117%8

Risk Shield

Price Risk

Beta0.76

Volatility30%7

Free Cash Flow

Free Cash Flow Margin34%9

Free Cash Flow Yield0.0%5

Quality

ROCE14%3

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

NICNicolet Bankshares

Revenue FY25$388M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+16%–

Revenue, next 5Y, CAGR+10%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+19%8

EPS growth, FY27E+12%7

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 16%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 11%/yr over the last 3 years and is set to grow 16%/yr from here.

The runway holds up: revenue is set to grow 10%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 16%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG72 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return+1%6

YTD return+34%9

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return+23%7

3-year return+135%8

5-year return+117%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +135% over three years and +117% over five, ahead of 70% of the market.

It's up 23% over the past year, but 10% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+34%).

WATCH

Returns sit at the market level over the past month (-6%) and over three months (+1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns and the stock sits near its highs. A reliable trend, if not the single hottest name in the market.

04Value

Are you paying a fair price for it?

Stop guessing on Nicolet Bankshares, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

NICNicolet Bankshares

Revenue FY25$388M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+16%–

Revenue, next 5Y, CAGR+10%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+19%8

EPS growth, FY27E+12%7

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 16%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 11%/yr over the last 3 years and is set to grow 16%/yr from here.

The runway holds up: revenue is set to grow 10%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 16%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG72 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return+1%6

YTD return+34%9

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return+23%7

3-year return+135%8

5-year return+117%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +135% over three years and +117% over five, ahead of 70% of the market.

It's up 23% over the past year, but 10% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+34%).

WATCH

Returns sit at the market level over the past month (-6%) and over three months (+1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns and the stock sits near its highs. A reliable trend, if not the single hottest name in the market.

04Value

Are you paying a fair price for it?

Stop guessing on Nicolet Bankshares, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community