Nicolet Bankshares Inc. (NIC) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $139.63, but acceptable to hold if already in. Reasons: Thin upside margin: 8.5%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.1).
Nicolet Bankshares is a Wisconsin-based bank and financial holding company operating through Nicolet National Bank, a full-service community bank with 57 branches at year-end 2025 (114 post-MidWestOne acquisition), serving Wisconsin, Michigan, Minnesota, and Iowa with... Read more
Hold if already holding. Not a fresh buy at $139.63, but acceptable to hold if already in. Reasons: Thin upside margin: 8.5%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.1). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.4/10, moderate confidence.
Passes 7/8 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 56d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum. Suitability: aggressive.
Recent Developments — Nicolet Bankshares Inc.
Latest news
- Nicolet Bankshares Boosts Dividend Following MidWestOne Acquisition - TipRanks — TipRanks positive
- Nicolet Bankshares: Q1 Earnings Snapshot - kare11.com — kare11.com neutral
- Earnings Flash (NIC) Nicolet Bankshares, Inc. Posts Q1 Adjusted EPS $2.75 per Share, vs. FactSet Est of $2.67 - marketsc — marketscreener.com positive
- Nicolet Bankshares, Inc. Announces First Quarter 2026 Earnings - Business Wire — Business Wire neutral
- Nicolet Bankshares (NIC): 3 Reasons We Love This Stock - StockStory — StockStory positive
Generated 2026-05-20T21:06:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMGeographicWisconsin, Michigan, Minnesota10-K Item 1: 'As of year-end 2025, Nicolet primarily operated in Wisconsin, Michigan, and Minnesota'
Material Events(8-K, last 90d)
- 2026-02-20Item 2.01MEDIUMNicolet completed the merger with MidWestOne Financial Group, Inc. on February 13, 2026. MidWestOne merged into Nicolet; Nicolet issued ~6.6 million shares at 0.3175 exchange ratio. MidWestOne had ~$6B in assets.SEC filing →
- 2026-01-26Item 5.02LOWCompensation Committee approved equity awards of 101,000 total RSUs to executives for MidWestOne integration: Michael Daniels 20,000, others 10,000 each. Performance-based vesting over 3-year period through Dec 31, 2028.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 ceiling hit
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $139.63, but acceptable to hold if already in. Reasons: Thin upside margin: 8.5%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.1). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $151.55 (+8.5%), stop $132.37 (−5.5%), A.R:R 1.6:1. Score 6.4/10, moderate confidence.
Take-profit target: $151.55 (+8.5% upside). Target $151.55 (+8.5%), stop $132.37 (−5.5%), A.R:R 1.6:1. Stop-loss: $132.37.
Thin upside margin: 8.5%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.1).
Nicolet Bankshares Inc. trades at a P/E of 16.5 (forward 10.6). TrendMatrix value score: 7.6/10. Verdict: Hold.
9 analysts cover NIC with a consensus score of 3.9/5. Average price target: $174.
What does Nicolet Bankshares Inc. do?Nicolet Bankshares is a Wisconsin-based bank and financial holding company operating through Nicolet National Bank, a...
Nicolet Bankshares is a Wisconsin-based bank and financial holding company operating through Nicolet National Bank, a full-service community bank with 57 branches at year-end 2025 (114 post-MidWestOne acquisition), serving Wisconsin, Michigan, Minnesota, and Iowa with commercial, agricultural, and consumer banking plus wealth management services. Total assets were $9.2B at December 31, 2025; 2025 net income was $151M ($9.78 diluted EPS).