NIC Stock Analysis: Buy, Sell, or Hold?
NIC - Nicolet Bankshares,Inc.
$173.83
2.91 (1.70%)
▲
5d:
+3.37%
30d:
+4.26%
90d:
+18.62%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 20, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NIC trades at premium valuation expecting 5.5% growth. Hold existing positions but don't chase. Wait for better entry.
📊 HOLD: NIC trades at premium valuation expecting 5.5% growth. Hold existing positions but don't chase. Wait for better entry.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$209.77
Based on 7.7% avg growth
INTRINSIC VALUE TODAY
$130.25
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NIC is currently trading at $173.83, which is considered extended relative to its 30-day fair value range of $163.76 to $170.52. From a valuation perspective, the stock is trading at a premium (Forward PE: 12.7) compared to its historical average (10.8). At these levels, the market is pricing in 5.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, NIC is in a uptrend. The price is approaching resistance at $174.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $191.80 (+12.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, NIC is in a uptrend. The price is approaching resistance at $174.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $191.80 (+12.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$163.76 -
$170.52
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
47.6%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($191.80)
- NEUTRAL: Trading at premium valuation - market expects 5.5% growth which is achievable
Trading Range Analysis
30-Day Trading Range
$163.76 -
$170.52
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$162.70
Resistance Level
$174.00
Current Trend
Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.73
Wall Street Target
$191.80
(+12.2%)
Revenue Growth (YoY)
86.1%
Earnings Growth (YoY)
12.0%
Profit Margin
30.2%
Valuation Premium vs History
+5.5% premium
PE vs Historical
12.7 vs 10.8
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+5.5%
(market-implied from PE analysis)
1-Year Target
$180.32
(+6%)
2-Year Target
$190.24
(+11%)
3-Year Target
$200.70
(+17%)
3-Yr Target (if PE normalizes)
(PE: 13→11)
PE COMPRESSION
$170.24
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 11.4%)
$384.93
(+125%)
Base:
(SPY PE: 12.7, Growth: 11.4%)
$236.43
(+38%)
Bear:
(PE: 10.8, Growth: 11.4%)
$200.54
(+17%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (19x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 19.01 | Current EPS (TTM): $8.92
Bull Case
$280.68
(+64%)
Analyst growth 50.5%, PE expands to 20.9
Base Case
$255.16
(+49%)
Market implied 50.5%, PE stable at 19.0
Bear Case
$115.29
(-33%)
Severe decline -20.0%, PE contracts to 16.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 1:31 PM ET
Data refreshes hourly during market hours. Next update: 2:31 PM
Data refreshes hourly during market hours. Next update: 2:31 PM
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Technical Signals Check
Is NIC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Robert Bruce Atwell
SELL
3309 shares
2026-03-12
Robert Bruce Atwell
SELL
3331 shares
2026-03-05
Robert Bruce Atwell
SELL
6396 shares
2026-02-18
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