NIC Valuation

Nicolet Bankshares Inc

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138.290

-0.31(-0.224%)1D

Overview
Forecast
Valuation
Earnings

NIC Relative Valuation

NIC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, NIC is overvalued; if below, it's undervalued.

Historical Valuation

Nicolet Bankshares Inc (NIC) is now in the Overvalued zone, suggesting that its current forward PE ratio of 14.68 is considered Overvalued compared with the five-year average of 12.53. The fair price of Nicolet Bankshares Inc (NIC) is between 107.24 to 136.19 according to relative valuation methord. Compared to the current price of 138.60 USD , Nicolet Bankshares Inc is Overvalued By 1.77%.

Relative Value

Fair Zone

107.24-136.19

Current Price：138.60

1.77%

Overvalued

14.64

Trailing

Forward

0.00

EV/EBITDA

Nicolet Bankshares Inc. (NIC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Nicolet Bankshares Inc. (NIC) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

6.63

Nicolet Bankshares Inc. (NIC) has a current PS of 6.63. The 5-year average PS is 4.75. The thresholds are as follows: Strongly Undervalued below 3.23, Undervalued between 3.23 and 3.99, Fairly Valued between 5.51 and 3.99, Overvalued between 5.51 and 6.27, and Strongly Overvalued above 6.27. The current Forward PS of 6.63 falls within the Strongly Overvalued range.

0.00

P/OCF

Nicolet Bankshares Inc. (NIC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Nicolet Bankshares Inc. (NIC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Nicolet Bankshares Inc (NIC) has a current Price-to-Book (P/B) ratio of 1.74. Compared to its 3-year average P/B ratio of 1.24 , the current P/B ratio is approximately 39.68% higher. Relative to its 5-year average P/B ratio of 1.27, the current P/B ratio is about 36.36% higher. Nicolet Bankshares Inc (NIC) has a Forward Free Cash Flow (FCF) yield of approximately 6.87%. Compared to its 3-year average FCF yield of 7.88%, the current FCF yield is approximately -12.75% lower. Relative to its 5-year average FCF yield of 8.50% , the current FCF yield is about -19.15% lower.

1.73

P/B

Median3y

1.24

Median5y

1.27

6.92

FCF Yield

Median3y

7.88

Median5y

8.50

Competitors Valuation Multiple

The average P/S ratio for NIC's competitors is 3.72, providing a benchmark for relative valuation. Nicolet Bankshares Inc Corp (NIC) exhibits a P/S ratio of 6.63, which is 78.14% above the industry average. Given its robust revenue growth of 13.08%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

NIC.N

Nicolet Bankshares Inc

Pathward Financial Inc

Performance Decomposition

Market capitalization of NIC increased by 41.08% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 13.30 to 15.85.

The secondary factor is the Revenue Growth, contributed 13.08%to the performance.

Overall, the performance of NIC in the past 1 year is driven by P/E Change. Which is more unsustainable.

13.08%

77.98M → 88.19M

Revenue Growth

8.84%

37.54 → 40.86

Margin Expansion

19.16%

13.30 → 15.85

P/E Change

41.08%