Nicolet Bankshares,Inc. (NIC) Stock: Buy, Sell, or Hold?
NIC - Nicolet Bankshares,Inc.
$166.47
2.85 (1.74%)
▲
5d:
-1.15%
30d:
-1.88%
90d:
+0.21%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 22, 2026
18d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NIC is fairly valued with market pricing in 3.4% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: NIC is fairly valued with market pricing in 3.4% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$219.02
Based on 7.8% avg growth
INTRINSIC VALUE TODAY
$136.00
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 11.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NIC is currently trading at $166.47, which is considered slightly low relative to its 30-day fair value range of $165.75 to $171.29. From a valuation perspective, the stock is trading at a premium (Forward PE: 12.4) compared to its historical average (11.2). At these levels, the market is pricing in 3.4% 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 approaching resistance at $169.75. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NIC scores 74/100 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 (+15.2%). 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 strong uptrend. The price is approaching resistance at $169.75. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NIC scores 74/100 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 (+15.2%). 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
SLIGHTLY LOW
Historical Trading Range
$165.75 -
$171.29
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
89.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (74/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($191.80)
- NEUTRAL: Market pricing in 3.4% annual earnings growth - fairly valued
- CAUTION: Bottoming setup, but lagging the sector by 17% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$165.75 -
$171.29
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$160.16
Resistance Level
$169.75
Current Trend
Strong Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.37
Wall Street Target
$191.80
(+15.2%)
Revenue Growth (YoY)
86.1%
Earnings Growth (YoY)
12.0%
Profit Margin
30.2%
Valuation Premium vs History
+3.4% premium
PE vs Historical
12.4 vs 11.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.4%
(market-implied from PE analysis)
1-Year Target
$172.13
(+3%)
2-Year Target
$177.98
(+7%)
3-Year Target
$184.03
(+11%)
3-Yr Target (if PE normalizes)
(PE: 12→11)
PE COMPRESSION
$166.58
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 11.6%)
$381.63
(+129%)
Base:
(SPY PE: 12.4, Growth: 11.6%)
$231.47
(+39%)
Bear:
(PE: 10.5, Growth: 11.6%)
$196.75
(+18%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (18x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 18.34 | Current EPS (TTM): $8.92
Bull Case
$271.47
(+63%)
Analyst growth 50.8%, PE expands to 20.2
Base Case
$246.79
(+48%)
Market implied 50.8%, PE stable at 18.3
Bear Case
$111.26
(-33%)
Severe decline -20.0%, PE contracts to 15.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 03, 2026 8:53 AM ET
Data refreshes hourly during market hours. Next update: 9:53 AM
Data refreshes hourly during market hours. Next update: 9:53 AM
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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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