Nicolet Bankshares,Inc. (NIC) Stock: Buy, Sell, or Hold?
NIC - Nicolet Bankshares,Inc.
$170.37
0.12 (0.07%)
▲
5d:
-0.29%
30d:
-3.97%
90d:
+15.72%
BUY
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: NIC shows positive signals but monitor for confirmation. Market pricing in 4.6% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: NIC shows positive signals but monitor for confirmation. Market pricing in 4.6% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$215.60
Based on 7.7% avg growth
INTRINSIC VALUE TODAY
$133.87
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 11.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NIC is currently trading at $170.37, which is considered slightly low relative to its 30-day fair value range of $169.93 to $175.99. From a valuation perspective, the stock is trading at a premium (Forward PE: 12.7) compared to its historical average (11.1). At these levels, the market is pricing in 4.6% 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 strong uptrend. The price is currently testing key support at $165.26. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: NIC scores 63/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $191.80 (+12.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NIC is in a strong uptrend. The price is currently testing key support at $165.26. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: NIC scores 63/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $191.80 (+12.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$169.93 -
$175.99
Company Quality Score
67/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
89.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (63/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($191.80)
- NEUTRAL: Market pricing in 4.6% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 63/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$169.93 -
$175.99
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$165.26
Resistance Level
$173.88
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.69
Wall Street Target
$191.80
(+12.6%)
Revenue Growth (YoY)
86.1%
Earnings Growth (YoY)
12.0%
Profit Margin
30.2%
Valuation Premium vs History
+4.6% premium
PE vs Historical
12.7 vs 11.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.6%
(market-implied from PE analysis)
1-Year Target
$178.21
(+5%)
2-Year Target
$186.40
(+9%)
3-Year Target
$194.98
(+14%)
3-Yr Target (if PE normalizes)
(PE: 13→11)
PE COMPRESSION
$170.53
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 11.4%)
$374.53
(+120%)
Base:
(SPY PE: 12.7, Growth: 11.4%)
$235.66
(+38%)
Bear:
(PE: 10.8, Growth: 11.4%)
$200.31
(+18%)
📈
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: 19.13 | Current EPS (TTM): $8.90
Bull Case
$282.47
(+66%)
Analyst growth 50.8%, PE expands to 21.0
Base Case
$256.79
(+51%)
Market implied 50.8%, PE stable at 19.1
Bear Case
$115.77
(-32%)
Severe decline -20.0%, PE contracts to 16.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 9:39 PM ET
Data refreshes hourly during market hours. Next update: 10:39 PM
Data refreshes hourly during market hours. Next update: 10:39 PM
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| Ticker | Score | Recommendation | Change % |
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Technical Signals Check
Is NIC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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