Nicolet Bankshares (NIC) Stock Could Be 41.4% Below Fair Value After Earnings Beat

Simply Wall St.06-21 14:19

Nicolet Bankshares (NIC) is back in focus after reporting quarterly results that surpassed analyst expectations on revenue and earnings, yet the stock has fallen about 6.5% since the release. See our ...

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See our ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-nic/nicolet-bankshares/news/nicolet-bankshares-nic-stock-could-be-414-below-fair-value-a\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Nicolet Bankshares (NIC) Stock Could Be 41.4% Below Fair Value After Earnings Beat</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nNicolet Bankshares (NIC) Stock Could Be 41.4% Below Fair Value After Earnings Beat\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-06-21 14:19 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nyse-nic/nicolet-bankshares/news/nicolet-bankshares-nic-stock-could-be-414-below-fair-value-a><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Nicolet Bankshares (NIC) is back in focus after reporting quarterly results that surpassed analyst expectations on revenue and earnings, yet the stock has fallen about 6.5% since the release. See our ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-nic/nicolet-bankshares/news/nicolet-bankshares-nic-stock-could-be-414-below-fair-value-a\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"NIC.AU","symbol_name":"Nickel Industries Ltd","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nyse-nic/nicolet-bankshares/news/nicolet-bankshares-nic-stock-could-be-414-below-fair-value-a","article_id":"2645092544","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice2-main-header/1585186648241"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nyse-nic/nicolet-bankshares/news/nicolet-bankshares-nic-stock-could-be-414-below-fair-value-a","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2645092544","pubTimestamp":1782022765,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Nicolet Bankshares (NIC) is back in focus after reporting quarterly results that surpassed analyst expectations on revenue and earnings, yet the stock has fallen about 6.5% since the release.\nSee our latest analysis for Nicolet Bankshares.\nAt a share price of $146.85, Nicolet Bankshares has a year to date share price return of 21.88%, while its 1 year total shareholder return of 26.99% and 3 year total shareholder return of 123.40% point to momentum that has eased slightly in the very short...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":["earning"],"viewcount":null,"language":"en","relate_stocks":{"NIC.AU":"Nickel Industries Ltd","NIC":"Nicolet Bankshares Inc."},"translate_title":"盈利超出预期后，Nicolet Bankshares(NIC)股价可能比公允价值低41.4%","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"NIC":1.5,"NIC.AU":1.5},"content_text":"Nicolet Bankshares (NIC) is back in focus after reporting quarterly results that surpassed analyst expectations on revenue and earnings, yet the stock has fallen about 6.5% since the release. See our latest analysis for Nicolet Bankshares. At a share price of $146.85, Nicolet Bankshares has a year to date share price return of 21.88%, while its 1 year total shareholder return of 26.99% and 3 year total shareholder return of 123.40% point to momentum that has eased slightly in the very short term but remains strong over a multi year period. If Nicolet Bankshares' recent move has you reassessing your watchlist, this could be a useful moment to broaden your search and uncover 20 top founder-led companies With Nicolet Bankshares trading at a discount to analyst price targets and an indicated 41.40% gap to one intrinsic value estimate, the key question is whether the recent pullback signals an undervalued bank stock or whether the market is already pricing in future growth. AdvertisementPrice-to-Earnings of 23.4x: Is it justified? Nicolet Bankshares currently trades on a P/E of 23.4x, while the last close sits at $146.85 and the stock is flagged as expensive relative to both peers and the wider US banks sector. The P/E ratio compares the share price with earnings per share and is a common way investors judge how much they are paying for each dollar of profit. For a bank like Nicolet Bankshares, a higher P/E often reflects expectations for stronger profit growth than the sector, a perceived quality premium, or both. Here, the picture is mixed. On one hand, Nicolet Bankshares' earnings have grown 19.1% per year over the past 5 years, and earnings are forecast to grow 40.5% per year. This helps explain why the SWS DCF model estimates a future cash flow value of $250.60 per share and why the stock is described as trading 41.4% below that estimate. On the other hand, the current P/E of 23.4x is materially higher than both the US banks industry average of 11.9x and the peer average of 13.1x, and also above the estimated fair P/E of 20.6x. This implies the market is already pricing in a premium level of future profitability that could eventually compress toward that fair ratio level. Relative to the broader industry, Nicolet Bankshares trades at roughly double the sector P/E and at a clear premium to peers. This suggests that investors are paying up for this bank's growth profile and track record, rather than treating it as a typical regional lender. Explore the SWS fair ratio for Nicolet Bankshares Result: Price-to-Earnings of 23.4x (OVERVALUED) However, Nicolet Bankshares' premium P/E and concentration in upper Midwest markets mean any earnings disappointment or regional credit stress could quickly challenge the current valuation. Find out about the key risks to this Nicolet Bankshares narrative. Another View: What the SWS DCF Model Suggests for Nicolet Bankshares The earlier P/E workup marked Nicolet Bankshares as overvalued at 23.4x earnings, but the SWS DCF model points in the opposite direction. On that cash flow view, the stock at $146.85 is trading below an estimated value of $250.60 per share, implying an undervalued setup instead. Both approaches are looking at the same company through very different lenses. One is anchored to current earnings multiples and the other to projected cash flows. This raises a simple question for investors: which lens should carry more weight when expectations eventually meet reality? Look into how the SWS DCF model arrives at its fair value. NIC Discounted Cash Flow as at Jun 2026Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out Nicolet Bankshares for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 45 high quality undervalued stocks. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity. Next Steps With Nicolet Bankshares sending mixed signals on valuation, are you leaning more toward the risk story or the reward story, and how quickly will you act on that view once you have seen both angles in detail via 3 key rewards and 2 important warning signs? Looking for more investment ideas beyond Nicolet Bankshares? If Nicolet Bankshares has sharpened your focus on valuation and quality, you can use it as a benchmark while you compare other stocks with clear fundamentals and different risk profiles.  Target resilient potential by scanning 65 resilient stocks with low risk scores that aim to keep volatility in check while still offering room for long term compounding. Spot compelling value by reviewing 45 high quality undervalued stocks where strong balance sheets and cash flows support prices that appear disconnected from fundamentals. Get ahead of the crowd by studying the screener containing 19 high quality undiscovered gems before they attract wider attention and pricing becomes less favorable.   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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