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Upturn AI SWOT - About
Nicolet Bankshares Inc. (NIC)
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Upturn Advisory Summary
09/16/2025: NIC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $147.4
1 Year Target Price $147.4
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.28% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.99B USD | Price to earnings Ratio 15.34 | 1Y Target Price 147.4 |
Price to earnings Ratio 15.34 | 1Y Target Price 147.4 | ||
Volume (30-day avg) 5 | Beta 0.77 | 52 Weeks Range 89.18 - 141.59 | Updated Date 09/16/2025 |
52 Weeks Range 89.18 - 141.59 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 0.86% | Basic EPS (TTM) 8.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 37.26% | Operating Margin (TTM) 49.93% |
Management Effectiveness
Return on Assets (TTM) 1.55% | Return on Equity (TTM) 11.89% |
Valuation
Trailing PE 15.34 | Forward PE - | Enterprise Value 1701039360 | Price to Sales(TTM) 5.46 |
Enterprise Value 1701039360 | Price to Sales(TTM) 5.46 | ||
Enterprise Value to Revenue 5.81 | Enterprise Value to EBITDA - | Shares Outstanding 14856900 | Shares Floating 13115809 |
Shares Outstanding 14856900 | Shares Floating 13115809 | ||
Percent Insiders 11.97 | Percent Institutions 51.77 |
Upturn AI SWOT
Nicolet Bankshares Inc.
Company Overview
History and Background
Nicolet Bankshares Inc. was founded in 2000. It has grown through strategic acquisitions and organic growth, focusing on community banking in Wisconsin and Michigan.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of all sizes.
- Personal Banking: Offers checking and savings accounts, mortgages, personal loans, and other services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is hierarchical, with regional management teams overseeing branch operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans cater to businesses, supporting capital expenditure, operations, and growth. Market share data is not publicly available. Competitors include larger national and regional banks like Associated Banc-Corp (ASB) and US Bancorp (USB).
- Mortgages: Residential mortgages help individuals finance home purchases. Market share data is not publicly available. Competitors include mortgage specialists and larger banks.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is not publicly available. Competitors include online banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is facing increased competition from online lenders and fintech companies. Regulatory changes and interest rate fluctuations also impact the industry.
Positioning
Nicolet Bankshares Inc. positions itself as a community-focused bank, emphasizing relationship banking and local expertise. Its competitive advantage lies in its local presence and personalized service.
Total Addressable Market (TAM)
The TAM for community banking in Wisconsin and Michigan is estimated to be in the billions. Nicolet Bankshares Inc. aims to capture a larger share through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Solid asset quality
- Efficient operations
- History of successful acquisitions
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Reliance on traditional banking services
- Vulnerable to economic downturns in local markets
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Acquisition of smaller community banks
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic recession
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- ASB
- HBAN
- BOH
Competitive Landscape
Nicolet Bankshares Inc. competes with larger national and regional banks, as well as smaller community banks. Its competitive advantage lies in its local presence and personalized service, but the size of the larger banks make it difficult to compete head-on.
Major Acquisitions
Choice Bancorp
- Year: 2021
- Acquisition Price (USD millions): 146
- Strategic Rationale: Expanded Nicolet's footprint into new markets in Wisconsin.
Investors Community Bancorp, Inc.
- Year: 2019
- Acquisition Price (USD millions): 126
- Strategic Rationale: Increased market share in northeastern Wisconsin, adding branches and scale.
Growth Trajectory and Initiatives
Historical Growth: Nicolet Bankshares Inc. has experienced consistent growth in revenue and earnings over the past few years, driven by organic growth and acquisitions.
Future Projections: Analysts project continued growth for Nicolet Bankshares Inc., driven by expansion into new markets and increased adoption of digital banking. Consult investment research reports for analyst estimates.
Recent Initiatives: Recent initiatives include the acquisition of smaller community banks and the launch of new digital banking services.
Summary
Nicolet Bankshares Inc. is a growing community bank with a strong presence in Wisconsin and Michigan. The bank's focus on relationship banking and local expertise has contributed to its success. Key strengths include a history of acquisitions and expansion; however, it faces challenges from larger competitors and economic uncertainty. The company's recent initiatives position it for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports, SEC filings, analyst reports, and financial news sources.
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data may be estimated or based on publicly available information. Consult a financial professional for personalized investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Nicolet Bankshares Inc.
Exchange NYSE | Headquaters Green Bay, WI, United States | ||
IPO Launch date 2013-05-17 | President, CEO & Chairman Mr. Michael E. Daniels | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 952 | Website https://www.nicoletbank.com |
Full time employees 952 | Website https://www.nicoletbank.com | ||
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 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, lines of credit, 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.
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