Nicolet Bankshares, Inc. (NIC) Stock Score, Valuation & Financial Research
Nicolet Bankshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 58/100.
Quick answer for NIC
Nicolet Bankshares, Inc. currently has a Wall Street Score of 58/100. The stored market price is $171.07. Its financial score is 54/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What Nicolet Bankshares, Inc. does
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 b
NIC financial snapshot
- Wall Street Score:
- 58/100
- Current price:
- $171.07
- Market capitalization:
- $2.95B
- Revenue:
- $461.2M
- Net income:
- $154.2M
- Free cash flow:
- $149.4M
- Cash:
- $153.5M
- Total debt:
- $92.8M
- EPS:
- 10.06
- P/E ratio:
- 17.0x
- Financial score:
- 54/100
- Valuation score:
- 93/100
- Revenue score:
- 32/100
What stands out
- Reported year-over-year revenue growth is -0.2%.
- Free cash flow is $149.4M, showing positive cash generation.
- The balance sheet shows $153.5M of cash versus $92.8M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 54/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research NIC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.