Nicolet Bankshares, Inc.
NICFinancial ServicesNASDAQBanks - Regional
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Daily timeframeNicolet 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. At a $3.59B market cap, Nicolet Bankshares, Inc. ranks as a mid-cap company within financial services. The company accepts demand deposits, checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts.
Market Cap
$3.59B
Beta
0.64
P/E (TTM)
18.61
P/E (Fwd)
12.56
EPS (TTM)
$9.21
EPS (Fwd)
$13.65
ROE
10.2%
ROA
1.5%
Cash
$510.5M
Total Debt
$92.8M
Free CF
—
52W Change
39.5%
Annual Financials
Cash vs Debt
Where NIC stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, NIC finished 2.96% above its 150-day moving average ($157.90) and 5.20% above its 200-day moving average ($154.54). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is NIC overbought or oversold?
At the October 20, 2026 close, NIC's RSI(14) was 47.3, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Nicolet Bankshares, Inc. holds $510.5M in cash against $92.8M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 10.2%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $298.1M (2022) to $392.0M (2025), reflecting a 31% increase over the period.
With a beta below 0.7, Nicolet Bankshares, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing NIC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.