Nicolet Bankshares Inc. (NIC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Nicolet Bankshares Inc. stock (NIC) is currently trading at $146.44. Nicolet Bankshares Inc. PE ratio is 14.28. Nicolet Bankshares Inc. PS ratio (Price-to-Sales) is 7.70. Analyst consensus price target for NIC is $175.00. WallStSmart rates NIC as Hold.
- NIC PE ratio analysis and historical PE chart
- NIC PS ratio (Price-to-Sales) history and trend
- NIC intrinsic value — DCF, Graham Number, EPV models
- NIC stock price prediction 2025 2026 2027 2028 2029 2030
- NIC fair value vs current price
- NIC insider transactions and insider buying
- Is NIC undervalued or overvalued?
- Nicolet Bankshares Inc. financial analysis — revenue, earnings, cash flow
- NIC Piotroski F-Score and Altman Z-Score
- NIC analyst price target and Smart Rating
Nicolet Bankshares Inc.
📊 No data available
Try selecting a different time range
NIC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Nicolet Bankshares Inc. (NIC)
NIC trades at a significant discount to its Graham intrinsic value of $381.03, offering a 60% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Nicolet Bankshares Inc. (NIC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, eps growth, profit margin. Fundamentals are solid but monitor weak areas for improvement.
Nicolet Bankshares Inc. (NIC) Key Strengths (4)
Keeps $53 of every $100 in revenue after operating costs
Keeps $39 of every $100 in revenue as net profit
Strong earnings growth at 20.10% per year
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Nicolet Bankshares Inc. (NIC) Areas to Watch (5)
Premium valuation at 7.7x annual revenue
Moderate profitability with room for improvement
Fairly priced relative to book value
Solid revenue growth at 12.90% per year
Moderate institutional interest at 39.51%
Supporting Valuation Data
Nicolet Bankshares Inc. (NIC) Detailed Analysis Report
Overall Assessment
This company scores 61/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 5.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, EPS Growth. Profitability is solid with Operating Margin at 52.80%, Profit Margin at 38.90%. Growth metrics are encouraging with EPS Growth at 20.10%.
The Bear Case
The primary concerns are Price/Sales, Return on Equity, Price/Book. Some valuation metrics including Price/Sales (7.70), Price/Book (2.37) suggest expensive pricing. Growth concerns include Revenue Growth at 12.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.40% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 12.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Price/Sales, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NIC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NIC's Price-to-Sales ratio of 7.70x trades at a 45% premium to its historical average of 5.3x (83th percentile). The current valuation is 28% below its historical high of 10.65x set in Dec 2016, and 201% above its historical low of 2.56x in Apr 2023. Over the past 12 months, the PS ratio has expanded from ~3.1x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Nicolet Bankshares Inc. (NIC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Nicolet Bankshares Inc. is a mature, profitable business with steady cash generation. Revenue reached 388M with 13% growth year-over-year. Profit margins are strong at 38.9%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1240.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 38.9% and operating margin of 52.8% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 88.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Nicolet Bankshares Inc..
Bottom Line
Nicolet Bankshares Inc. is a well-established business delivering consistent profitability with 38.9% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Nicolet Bankshares Inc.(NIC)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Nicolet Bankshares, Inc. is the bank holding company of Nicolet National Bank that offers banking products and services for businesses and individuals. The company is headquartered in Green Bay, Wisconsin.