Nicolet Bankshares, Inc.

$ 146.85 1.59 %

Nicolet Bankshares, Inc. functions as the holding company for Nicolet National Bank, providing a comprehensive array of banking and financial solutions to both businesses and individual customers. Its deposit products include various checking, savings, and money market accounts, as well as diverse certificates of deposit and individual retirement accounts. The institution's extensive lending portfolio offers commercial credit, encompassing industrial and general business loans, lines of credit, and a range of commercial real estate financing, such as investment property, agricultural production, and land development loans. For residential clients, it extends first and second lien mortgages, home equity products, and construction financing, alongside general consumer loans. Beyond core banking, Nicolet Bankshares delivers specialized services like cash management, international banking, personal brokerage, safe deposit box rentals, and sophisticated trust and fiduciary services, in addition to wealth management and retirement planning. The company emphasizes digital convenience, offering online platforms for commercial, retail, and trust banking, automated bill payment, mobile banking with deposit capabilities and account access, and remote deposit capture. Further services include mortgage refinancing, wire transfers, debit and credit cards, pre-paid gift cards, direct deposits, official bank checks, and facilitation of crop insurance products. As of December 31, 2021, Nicolet Bankshares operated 52 branches across Wisconsin and Michigan. Established in 2000 and originally known as Green Bay Financial Corporation, the company adopted its current name in March 2002 and is headquartered in Green Bay, Wisconsin.

CEO: Michael E. Daniels - https://www.nicoletbank.com

Price objectif

$182.67 24.39 %

Recommandation

Buy

DCF

$ 61.23

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NIC vs S&P500

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Quick ratio

0.01

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

17.24

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

8.52

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

9.01 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

4.52 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

12.26

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.08

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

8.32

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

15.95 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
4 indicates moderate financial health
Altman score
-0.72 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.01 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.01 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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