Key Drivers
- High margins
- Strong FCF
- Low asset turnover
AIAI Summary
NIC is no longer primarily a regional‑bank story but an acquirer‑driven thesis where the August 2026 core conversion and MidWestOne integration will be the decisive drivers of TBV and EPS upside or downside. Monitor deposit/loan retention rates, realized cost‑synergy timing and magnitude, and near‑term provision trends—if retention ≥ expectations and synergies hit targets, upside is likely; misses against the current premium valuation will produce outsized downside.
Price Chart
Financial Metrics
Deep Analysis
Research tool. Not personalized advice.
Fundamental Analysis
Key Financial Insights:
- •High margins
- •Strong FCF
- •Low asset turnover
NIC combines very high margins and strong free cash flow with low leverage, but very low asset turnover and large investment/deposit balances drive weak ROA and a premium valuation.
Price Behavior
Key Price Behavior Insights:
- •Lower highs
- •Broke support
- •Buyer bounces
NIC is in a short-term downtrend over the last month, sliding from a ~$161 peak to a $139.67 close and breaking the $150 support zone as momentum turned lower.
Steady decline from $161.03 to $139.67 over the last month indicating weakening buying pressure
Sentiment & News
Key News Insights:
- •Analyst consensus
- •Momentum signals
- •Minor selling
Analyst upgrades and momentum signals (consensus Buy, $179.50 target, Zacks Rank #1) have driven bullish sentiment for Nicolet Bankshares amid modest institutional trimming and unrelated same‑ticker filings.
Overall positive analyst momentum likely supports upside in NIC's share price, though modest institutional trimming and ticker‑confusion pose limited near‑term noise
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