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Nicolet Bankshares, Inc. (NIC)
Financial Services · Banks - Regional · NYSE
Nicolet Bankshares, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $298.12M | $275.51M | $349.12M | $392.00M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $18.46M | $33.15M | $41.04M | $54.64M | $60.12M | $60.65M | $94.26M | $61.52M | $124.06M | $150.69M |
| Net margin | — | — | — | — | — | — | 31.6% | 22.3% | 35.5% | 38.4% |
Source: Nicolet Bankshares, Inc. SEC filings (10-K). 14 years of history available in the interactive view.
What growth is priced into NIC stock?
At today's market cap of $3.14B, Nicolet Bankshares, Inc. is priced for free-cash-flow growth of about 8.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $149.44M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 17%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 14 years of Nicolet Bankshares, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Nicolet Bankshares, Inc. financial history by metric
About Nicolet Bankshares, Inc.
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 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.
Nicolet Bankshares, Inc. — frequently asked questions
What is Nicolet Bankshares, Inc.'s revenue?
Nicolet Bankshares, Inc. (NIC) reported revenue of $392.00M for fiscal year 2025, up 12.3% from the prior year, according to its SEC filings.
Is Nicolet Bankshares, Inc. profitable?
Yes. NIC earned net income of $150.69M in fiscal 2025, a net margin of 38.4%.
What is NIC's P/E ratio?
Nicolet Bankshares, Inc. trades at a price-to-earnings ratio of about 17.3 based on the latest data in our nightly-refreshed cache.
How much debt does Nicolet Bankshares, Inc. have?
As of fiscal year 2025, NIC carried roughly $134.86M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Nicolet Bankshares, Inc.'s market cap?
Nicolet Bankshares, Inc. (NIC) has a market capitalization of about $3.14B, based on the latest data in our nightly-refreshed cache.
When does Nicolet Bankshares, Inc.'s fiscal year end?
NIC's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into NIC stock?
At today's market cap of $3.14B, Nicolet Bankshares, Inc. is priced for free-cash-flow growth of about 8.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $149.44M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 17%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Nicolet Bankshares, Inc.'s official SEC filings (10-K and 10-Q), covering 14 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.