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. Valued at $3.61B, NIC is a mid-cap name in its sector. The company accepts demand deposits, checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts.
Market Cap
$3.61B
Beta
0.64
P/E (TTM)
19.30
P/E (Fwd)
12.82
EPS (TTM)
$8.92
EPS (Fwd)
$13.42
ROE
8.9%
ROA
1.3%
Cash
$455.2M
Total Debt
$92.8M
Free CF
—
52W Change
27.9%
Annual Financials
Cash vs Debt
Where NIC stands vs its 150-day and 200-day moving averages
As of the September 2, 2026 close, NIC finished 7.46% above its 150-day moving average ($154.57) and 12.43% above its 200-day moving average ($147.73). 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 September 2, 2026 close, NIC's RSI(14) was 20.9, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The balance sheet looks solid with $455.2M in cash comfortably exceeding the $92.8M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 8.9% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.3% 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.
NIC's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Nicolet Bankshares, Inc. and its sector.