NIC
Nicolet Bankshares·NYSE
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1.39 / 10
Underperform
Nicolet Bankshares shows a weak fundamental profile, scoring only 1.4/10. Key concerns include an elevated PE ratio of 48.97 (group 3), a low PB of 0.23 (group 4), and a high PCF of 16.15 (group 3), all pointing to valuation risks. However, the company posts healthy YoY profit growth (22.19% and 23.20%) and a strong gross margin of 53.25%, which partially offsets these weaknesses. Cash-flow strength (Cash-UP in group 4) and positive cash-MV (group 2) further support liquidity. The asset-MV factor is negative, suggesting potential under-utilization of assets. Overall, the fundamentals lean defensive, warranting caution for value-oriented investors.
Analysis Checks(3/10)
PB
Value0.23
Score0/3
Weight7.00%
1M Return2.44%
Value0.23
Score0/3
Weight7.00%
1M Return2.44%
Gross profit margin (%)
Value53.25
Score3/3
Weight10.25%
1M Return3.49%
Value53.25
Score3/3
Weight10.25%
1M Return3.49%
PB-ROE
Value-0.81
Score0/3
Weight7.04%
1M Return2.45%
Value-0.81
Score0/3
Weight7.04%
1M Return2.45%
Cash-UP
Value0.64
Score2/3
Weight19.74%
1M Return5.42%
Value0.64
Score2/3
Weight19.74%
1M Return5.42%
Net profit attributable to parent company shareholders (YoY growth rate %)
Value23.20
Score1/3
Weight9.76%
1M Return3.35%
Value23.20
Score1/3
Weight9.76%
1M Return3.35%
PCF
Value16.15
Score0/3
Weight5.92%
1M Return2.21%
Value16.15
Score0/3
Weight5.92%
1M Return2.21%
PE
Value48.97
Score1/3
Weight8.05%
1M Return3.03%
Value48.97
Score1/3
Weight8.05%
1M Return3.03%
Total profit (YoY growth rate %)
Value22.19
Score1/3
Weight10.25%
1M Return3.49%
Value22.19
Score1/3
Weight10.25%
1M Return3.49%
Asset-MV
Value-0.43
Score0/3
Weight4.13%
1M Return1.79%
Value-0.43
Score0/3
Weight4.13%
1M Return1.79%
Cash-MV
Value0.60
Score2/3
Weight17.85%
1M Return5.75%
Value0.60
Score2/3
Weight17.85%
1M Return5.75%
PB
Value0.23
Score0/3
Weight7.00%
1M Return2.44%
Value0.23
Score0/3
Weight7.00%
1M Return2.44%
PCF
Value16.15
Score0/3
Weight5.92%
1M Return2.21%
Value16.15
Score0/3
Weight5.92%
1M Return2.21%
Gross profit margin (%)
Value53.25
Score3/3
Weight10.25%
1M Return3.49%
Value53.25
Score3/3
Weight10.25%
1M Return3.49%
PE
Value48.97
Score1/3
Weight8.05%
1M Return3.03%
Value48.97
Score1/3
Weight8.05%
1M Return3.03%
PB-ROE
Value-0.81
Score0/3
Weight7.04%
1M Return2.45%
Value-0.81
Score0/3
Weight7.04%
1M Return2.45%
Total profit (YoY growth rate %)
Value22.19
Score1/3
Weight10.25%
1M Return3.49%
Value22.19
Score1/3
Weight10.25%
1M Return3.49%
Cash-UP
Value0.64
Score2/3
Weight19.74%
1M Return5.42%
Value0.64
Score2/3
Weight19.74%
1M Return5.42%
Asset-MV
Value-0.43
Score0/3
Weight4.13%
1M Return1.79%
Value-0.43
Score0/3
Weight4.13%
1M Return1.79%
Net profit attributable to parent company shareholders (YoY growth rate %)
Value23.20
Score1/3
Weight9.76%
1M Return3.35%
Value23.20
Score1/3
Weight9.76%
1M Return3.35%
Cash-MV
Value0.60
Score2/3
Weight17.85%
1M Return5.75%
Value0.60
Score2/3
Weight17.85%
1M Return5.75%
Is NIC undervalued or overvalued?
- NIC scores 1.39/10 on fundamentals and holds a Premium valuation at present. Backed by its 9.24% ROE, 38.07% net margin, 16.63 P/E ratio, 1.86 P/B ratio, and 18.98% earnings growth, these metrics solidify its Underperform investment rating.
