Nicolet Bankshares, Inc. NIC R2K
Company Overview
Nicolet Bankshares, Inc. operates as the bank holding company for Nicolet National Bank that provides banking products and services for businesses and individuals in Wisconsin, Michigan, and Minnesota. The company accepts demand deposits, checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts. It also offers commercial loans, including commercial, industrial, and business loans and lines of credit; commercial real estate loans; agricultural (AG) production and AG real estate loans; commercial real estate investment loans; construction and land development loans; residential real estate loans, such as residential first lien and junior lien mortgages, home equity loans, and residential construction loans; and consumer loans. In addition, the company provides cash management, international banking, personal brokerage, safe deposit boxes, and trust and fiduciary services, as well as wealth management and retirement plan services. Further, it offers mortgage refinancing; online services, such as commercial, retail, and trust online banking; automated bill payment, mobile banking deposits and account access, and remote deposit capture services; and other services consisting of wire transfers, debit cards, credit cards, pre-paid gift cards, direct deposits, and official bank checks, as well as facilitates crop insurance products. The company was formerly known as Green Bay Financial Corporation and changed its name to Nicolet Bankshares, Inc. in March 2002. The company was incorporated in 2000 and is headquartered in Green Bay, Wisconsin.
Why Investors Should Care
Net profit has compounded at 35.0% per year over the last five years.
Maintains a net profit margin of 31.1%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +46.5%, earnings -61.1%.
- 5-Year Trend Long-term compounding — profit CAGR 35.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 46.50% |
Compounded Profit Growth
| 5 Years: | 35.03% |
| 1 Year: | -61.10% |
Stock Price Performance
| 1 Year: | +27.43% |
| 6 Months: | +33.88% |
| 3 Months: | +4.79% |
| 1 Month: | +11.86% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)64.61 · Neutral
P/E of 19.35 is above the sector median of 13.30 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 31.1%.
- Profit CAGR of 35.0% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | NIC Nicolet Bankshares, Inc. R2K | 164.68 | 19.35 | $3.50B | 0.89% | - | 7.75% | - | 35.03% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2013 | Jun 2013 | Sep 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 755.00K | 11.46M | 2.95M | 2.21M | 2.55M | 2.77M | 3.08M | 2.94M | 2.59M | 2.65M | 3.26M | 6.46M | 6.21M | 8.33M | 9.51M | 9.58M | 9.74M | 10.86M | 10.27M | 18.55M | 13.53M | 10.55M | 13.48M | 18.10M | 18.24M | 18.28M | 7.82M | 24.16M | 23.98M | 18.51M | -8.90M | 22.59M | 17.16M | 27.79M | 29.27M | 32.52M | 32.59M | 36.03M | 41.73M | 15.20M |
| Diluted EPS | 0.13 | 2.78 | 0.62 | 0.50 | 0.58 | 0.63 | 0.70 | 0.66 | 0.58 | 0.57 | 0.39 | 0.69 | 0.69 | 0.83 | 0.91 | 0.94 | 0.98 | 1.09 | 1.05 | 1.91 | 1.40 | 0.98 | 1.28 | 1.72 | 1.75 | 1.77 | 0.73 | 1.70 | 1.73 | 1.29 | -0.61 | 1.51 | 1.14 | 1.82 | 1.92 | 2.10 | 2.08 | 2.34 | 2.73 | 0.81 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 3.04M | 16.14M | 9.95M | 11.43M | 18.46M | 33.15M | 41.04M | 54.64M | 60.12M | 60.65M | 94.26M | 61.52M | 124.06M | 150.69M |
| Diluted EPS | 0.53 | 3.80 | 2.25 | 2.57 | 2.37 | 3.33 | 4.12 | 5.52 | 5.70 | 5.44 | 6.56 | 4.08 | 8.05 | 9.78 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 745.25M | 1.20B | 1.22B | 1.21B | 2.30B | 2.93B | 3.10B | 3.58B | 4.55B | 7.70B | 8.76B | 8.47B | 8.80B | 9.19B |
| Total Equity | 76.21M | 77.33M | 104.86M | 111.01M | 109.50M | 275.95M | 364.18M | 386.61M | 516.26M | 539.19M | 891.89M | 972.53M | 1.04B | 1.17B | 1.26B |
| Cash & Equivalents | 92.13M | 82.00M | 146.98M | 68.71M | 83.62M | 129.10M | 154.93M | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | 1.00M | 78.05M | 77.31M | 67.63M | 53.87M | 216.91M | 225.34M | 166.93M | 161.39M | 134.86M |
| Total Liabilities | - | 667.88M | 1.09B | 1.10B | 1.10B | 2.02B | 2.57B | 2.71B | 3.06B | 4.01B | 6.80B | 7.79B | 7.43B | 7.62B | 7.93B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 14.94M | 20.18M | 11.04M | 15.05M | 24.81M | 40.71M | 50.99M | 58.14M | 78.90M | 97.65M | 117.40M | 107.97M | 133.75M | 153.53M |
| Investing Cash Flow | -86.88M | 76.40M | -90.96M | -21.63M | 51.44M | -150.95M | -77.07M | -63.15M | -208.70M | -370.60M | -516.36M | 591.46M | -288.44M | -230.75M |
| Financing Cash Flow | 61.81M | -31.60M | 1.65M | 21.49M | -30.76M | 136.07M | 120.68M | -62.45M | 750.60M | 65.38M | -41.60M | -362.73M | 199.30M | 201.40M |
| Capital Expenditure | -1.94M | -3.03M | -5.76M | -1.18M | -4.05M | -3.74M | - | - | - | - | - | -18.57M | -16.92M | -4.09M |
| Free Cash Flow | 13.00M | 17.15M | 5.28M | 13.87M | 20.75M | 36.98M | - | - | - | - | - | 89.41M | 116.83M | 149.44M |
| Share Buybacks | - | - | - | - | 5.20M | 15.01M | 22.75M | 28.46M | 42.09M | 62.58M | 61.50M | 1.52M | 10.14M | 76.56M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | 3.9% | 15.4% | 9.0% | 10.4% | 6.7% | 9.1% | 10.6% | 10.6% | 11.2% | 6.8% | 9.7% | 5.9% | 10.6% | 12.0% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.65% | 1.62M | $270.19M |
| 2 | Dimensional Fund Advisors LP | 3.86% | 819.27K | $136.24M |
| 3 | Vanguard Capital Management LLC | 3.86% | 819.81K | $136.33M |
| 4 | State Street Corporation | 3.35% | 711.36K | $118.29M |
| 5 | Westwood Holdings Group Inc. | 2.29% | 486.75K | $80.94M |
| 6 | Geode Capital Management, LLC | 2.15% | 456.98K | $75.99M |
| 7 | American Century Companies Inc | 1.53% | 324.62K | $53.98M |
| 8 | Boston Partners | 1.44% | 305.44K | $50.79M |
| 9 | FJ Capital Management LLC | 1.44% | 306.38K | $50.95M |
| 10 | Goldman Sachs Group Inc | 1.32% | 279.68K | $46.51M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for NIC
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NIC — Frequently Asked Questions
What is the current share price of Nicolet Bankshares, Inc. (NIC)?
As of 2026-07-14 21:23 PDT, Nicolet Bankshares, Inc. (NIC) trades at $164.68 on NYSE. Its 52-week range is $114.22 to $168.82.
What is the market capitalisation of NIC?
Nicolet Bankshares, Inc. (NIC) has a market capitalisation of $3.50B on NYSE.
What is the P/E ratio of NIC?
NIC trades at a trailing price-to-earnings (P/E) ratio of 19.35. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.40.
Does NIC pay a dividend?
Nicolet Bankshares, Inc. (NIC) currently offers a dividend yield of 0.89%.
What is the return on equity (ROE) of NIC?
NIC has a return on equity (ROE) of 7.75%.
Is NIC a good stock to buy?
This page provides a data-driven analysis of Nicolet Bankshares, Inc. (NIC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.