Key Drivers
- Strong margins
- High leverage
- Recent slowdown
AIAI Summary
NIC should now be viewed less as a steady regional-bank compounder and more as a merger-integration and earnings-recovery story, with upside dependent on management quickly restoring margins and proving the MidWestOne deal can overcome current merger costs, loan runoff, and execution risk.
Price Chart
Financial Metrics
Deep Analysis
Research tool. Not personalized advice.
Fundamental Analysis
Key Financial Insights:
- •Strong margins
- •High leverage
- •Recent slowdown
NIC's FY2025 results were strong on profitability and cash flow with solid liquidity, but the latest quarter showed sharp margin compression and the stock still carries elevated leverage at a mid-teens-to-low-20s valuation.
Price Behavior
Key Price Behavior Insights:
- •Downtrend intact
- •Oversold stretch
- •Reclaim 142.86
NIC remains in a clear downtrend after breaking $142.86 and closing at the bottom of its last month range, though a short-term bounce is possible if $137.18 holds.
Sharp drop to the bottom of the range signals oversold bounce risk
Sentiment & News
Key News Insights:
- •Q1 Miss
- •Merger Costs
- •Premium Valuation
Nicolet Bankshares' Q1 results missed expectations amid merger-related costs and integration risk, while the stock still trades at a premium valuation despite a dividend increase.
The news is modestly negative for the stock near term, as weaker-than-expected earnings and elevated valuation may outweigh longer-term merger benefits
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