Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
NIC
HOLDNicolet Bankshares, Inc. · Financial Services · United States · $3.6B · Avg Vol: $65M/d
COMPANY DESCRIPTION
Nicolet Bankshares, Inc. operates as the bank holding company for Nicolet National Bank, serving commercial and retail customers across Wisconsin, Michigan, and Minnesota. The bank maintains a competitive moat through its deep relationship-based commercial lending model and strong local market share in stable, non-urban communities. It is recognized for its disciplined M&A integration strategy and consistently high return on assets.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 298.1M | 275.5M | 349.1M | 392.0M | 9.6% | 428.7M | 684.0M | 742.8M | 37.7% |
| EPS | 6.78 | 4.17 | 8.24 | 10.06 | 14.1% | 8.51 | 12.32 | 13.77 | 17.0% |
| Shares | 14.7M | 14.9M | 15.4M | 14.8M | +0.8% | — | — | — | — |
| Debt | 542.3M | 166.9M | 161.4M | 134.9M | -37.1% | 180.0M | — | — | — |
| Equity | 972.5M | 1.0B | 1.2B | 1.3B | 8.9% | — | — | — | — |
| Op CF | 117.4M | 108.0M | 133.7M | 153.5M | 9.4% | 128.0M | — | — | — |
| Inv CF | -516.4M | 591.5M | -288.4M | -230.7M | — | — | — | — | — |
| Fin CF | -41.6M | -362.7M | 199.3M | 201.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NIC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| NIC | Nicolet Bankshares, Inc.(you) | $3.6B | 49 | HOLD |
| BKU | BankUnited, Inc. | $3.4B | 50 | HOLD |
| VLYPO | Valley National Bancorp | $3.3B | 52 | HOLD |
| MCHB | Mechanics Bancorp | $3.5B | 53 | HOLD |
| FBK | FB Financial Corporation | $3.0B | 51 | HOLD |
| TCBI | Texas Capital Bancshares, Inc. | $4.3B | 51 | HOLD |
| TBBK | The Bancorp, Inc. | $2.8B | 48 | HOLD |
| BBT | Beacon Financial Corporation | $2.5B | 49 | HOLD |
| CBU | Community Financial System, Inc. | $3.5B | 57 | HOLD |
| TOWN | TowneBank | $3.3B | 41 | HOLD |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%