Is It Too Late To Consider Nicolet Bankshares (NIC) After Its Strong Recent Rally?

Simply Wall St.04-22

If you are wondering whether Nicolet Bankshares at around US$154.86 still offers value or if most of the upside is already priced in, the recent share performance gives you a useful starting point. ...

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This makes the current price action important context for any valuation work.\nRecent coverage has focused on how regional banks are being assessed on capital strength, loan quality...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"NIC.AU":"Nickel Industries Ltd","BK7095":"多种金属与采矿","BK4211":"区域性银行","NIC":"Nicolet Bankshares Inc."},"translate_title":"在Nicolet Bankshares(NIC)近期强劲反弹之后，现在考虑它是否为时已晚？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"NIC.AU":1.5,"NIC":1.5},"content_text":"If you are wondering whether Nicolet Bankshares at around US$154.86 still offers value or if most of the upside is already priced in, the recent share performance gives you a useful starting point. The stock has returned 10.9% over the last 30 days, 28.5% year to date, 36.7% over 1 year and 181.8% over 3 years. This makes the current price action important context for any valuation work. Recent coverage has focused on how regional banks are being assessed on capital strength, loan quality and deposit stability, which directly shapes how investors think about Nicolet Bankshares. News around consolidation in the US banking sector and ongoing scrutiny of interest rate risk has also kept attention on how banks are priced compared to their fundamentals. Nicolet Bankshares currently has a valuation score of 2/6. The key question is what different valuation methods say about that score and whether there is an even better framework to judge the stock that will be covered later in this article.  Nicolet Bankshares scores just 2/6 on our valuation checks. See what other red flags we found in the full valuation breakdown. AdvertisementApproach 1: Nicolet Bankshares Excess Returns Analysis The Excess Returns model looks at how much profit a bank can generate above the return that shareholders require, based on its equity. For Nicolet Bankshares, the starting point is an estimated Book Value of $85.08 per share and a Stable EPS of $10.87 per share, based on the median return on equity over the past 5 years. The model compares this earnings power with a Cost of Equity of $7.90 per share, implying an Excess Return of $2.98 per share. That spread reflects the gap between what shareholders require and what the bank is estimated to earn on its equity. The analysis also uses a Stable Book Value estimate of $113.16 per share, drawn from weighted future book value estimates from 4 analysts, and an Average Return on Equity of 9.61%. Putting these inputs together, the Excess Returns model arrives at an intrinsic value of about $196.63 per share for Nicolet Bankshares. Compared with the recent share price of around $154.86, this implies the stock is 21.2% undervalued on this framework. Result: UNDERVALUED Our Excess Returns analysis suggests Nicolet Bankshares is undervalued by 21.2%. Track this in your watchlist or portfolio, or discover 58 more high quality undervalued stocks. NIC Discounted Cash Flow as at Apr 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Nicolet Bankshares. Approach 2: Nicolet Bankshares Price vs Earnings For a profitable bank like Nicolet Bankshares, the P/E ratio is a useful way to think about value because it links what you pay directly to the earnings the business is generating today. Investors generally accept that higher growth expectations and lower perceived risk can justify a higher P/E, while slower growth or higher risk usually point to a lower, more conservative P/E being appropriate. Nicolet Bankshares currently trades on a P/E of 21.96x. That sits above both the Banks industry average of 11.74x and the peer average of 18.76x, which suggests the market is assigning a higher earnings multiple than many of its comparables. Simply Wall St’s Fair Ratio for Nicolet Bankshares is 20.40x, which reflects the P/E that might be expected given factors such as its earnings profile, industry, profit margins, market cap and risk characteristics. The Fair Ratio is a more tailored benchmark than simple peer or industry comparisons because it adjusts for company specific traits rather than assuming one size fits all. Comparing 21.96x to the Fair Ratio of 20.40x points to Nicolet Bankshares trading at a premium on this metric. Result: OVERVALUED NYSE:NIC P/E Ratio as at Apr 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Start investing in legacies, not executives. Discover our 19 top founder-led companies. Upgrade Your Decision Making: Choose your Nicolet Bankshares Narrative Earlier it was mentioned that there is an even better way to understand valuation, so Narratives are worth introducing as a clear story you create around a company that links your view on its business, your expectations for future revenue, earnings and margins, and the fair value you think follows from those assumptions. A Narrative connects the company’s story to a forecast, then to a fair value. On Simply Wall St’s Community page you can use this tool to see how that fair value compares to the current share price to help decide whether the gap between price and value is wide enough for you to act. Because Narratives on Simply Wall St are refreshed when new information such as earnings releases or major news appears, your view and the implied fair value stay current without you needing to rebuild everything from scratch. For Nicolet Bankshares, one investor might build a Narrative that sees relatively conservative revenue growth and modest profit margins leading to a fair value near the current price. Another might assume stronger long term economics and arrive at a meaningfully higher fair value, showing how different perspectives can sit side by side on the same company. Do you think there's more to the story for Nicolet Bankshares? Head over to our Community to see what others are saying! NYSE:NIC 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Nicolet Bankshares might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. 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