Nicolet Bankshares Balance Sheet Health
Financial Health criteria checks 6/6
Nicolet Bankshares has total assets of $8.6B and total equity of $1.1B. Total deposits are $7.3B, and total loans are $6.5B. It earns a Net Interest Margin of 3.2%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $431.2M.
Key information
7.5x
Asset to equity ratio
3.2%
Net interest margin
| Total deposits | US$7.26b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$431.17m |
Recent financial health updates
No updates
Recent updates
Nicolet Bankshares' (NYSE:NIC) Shareholders Will Receive A Bigger Dividend Than Last Year
May 24
Nicolet Bankshares Non-GAAP EPS of $1.84 misses by $0.16, revenue of $82.94M beats by $10.98M
Jan 17Nicolet Bankshares Non-GAAP EPS of $1.74 misses by $0.06, revenue of $75.99M beats by $15.24M
Oct 25Nicolet Bankshares GAAP EPS of $1.73 beats by $0.04, revenue of $69.22M beats by $11.88M
Jul 19Analysts Just Made A Major Revision To Their Nicolet Bankshares, Inc. (NASDAQ:NCBS) Revenue Forecasts
May 13Nicolet: Wisconsin Acquirer With Upside
Feb 02This Just In: Analysts Are Boosting Their Nicolet Bankshares, Inc. (NASDAQ:NCBS) Outlook for This Year
Jan 22Industry Analysts Just Upgraded Their Nicolet Bankshares, Inc. (NASDAQ:NCBS) Revenue Forecasts By 14%
Jul 22Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: NIC's Assets to Equity ratio (7.5x) is low.
Allowance for Bad Loans: NIC has a sufficient allowance for bad loans (257%).
Low Risk Liabilities: 97% of NIC's liabilities are made up of primarily low risk sources of funding.
Loan Level: NIC has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: NIC's Loans to Deposits ratio (89%) is appropriate.
Level of Bad Loans: NIC has an appropriate level of bad loans (0.4%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 06:38 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Nicolet Bankshares, Inc. is covered by 8 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kevin Reevey | D.A. Davidson & Co. |
| Brendan Nosal | Hovde Group, LLC |
| Erik Zwick | Hovde Group, LLC |