NIC Stock Analysis: Buy, Sell, or Hold?
NIC - Nicolet Bankshares,Inc.
$166.72
-2.10 (-1.24%)
▼
5d:
+3.33%
30d:
+21.24%
90d:
+11.45%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 21, 2026
16d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NIC trades at premium valuation expecting 5.6% growth. Hold existing positions but don't chase. Wait for better entry.
📊 HOLD: NIC trades at premium valuation expecting 5.6% 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
$204.57
Based on 7.6% avg growth
INTRINSIC VALUE TODAY
$127.02
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 10.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NIC is currently trading at $166.72, which is considered extended relative to its 30-day fair value range of $138.31 to $158.70. From a valuation perspective, the stock is trading at a premium (Forward PE: 12.6) compared to its historical average (10.7). At these levels, the market is pricing in 5.6% annual earnings growth.
Technical Outlook: Technically, NIC is in a downtrend. The price is approaching resistance at $148.29. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NIC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. 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 downtrend. The price is approaching resistance at $148.29. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NIC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. 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
$138.31 -
$158.70
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
55.7%
All Signals
- BEARISH: Price extended above range (+5.1% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($174.20)
- BULLISH: Expecting earnings turnaround to 5.6% growth with 46.5% revenue growth
Trading Range Analysis
30-Day Trading Range
$138.31 -
$158.70
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$131.86
Resistance Level
$148.29
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.56
Wall Street Target
$174.20
(+4.5%)
Revenue Growth (YoY)
46.5%
Earnings Growth (YoY)
-61.1%
Profit Margin
31.1%
Valuation Premium vs History
+5.6% premium
PE vs Historical
12.6 vs 10.7
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+5.6%
(market-implied from PE analysis)
1-Year Target
$176.06
(+6%)
2-Year Target
$185.92
(+12%)
3-Year Target
$196.33
(+18%)
3-Yr Target (if PE normalizes)
(PE: 13→11)
PE COMPRESSION
$167.25
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 11.2%)
$398.04
(+139%)
Base:
(SPY PE: 12.6, Growth: 11.2%)
$229.54
(+38%)
Bear:
(PE: 10.7, Growth: 11.2%)
$195.11
(+17%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 19.65 | Current EPS (TTM): $8.51
Bull Case
$286.91
(+72%)
Analyst growth 56.0%, PE expands to 21.6
Base Case
$260.83
(+56%)
Market implied 56.0%, PE stable at 19.7
Bear Case
$113.71
(-32%)
Severe decline -20.0%, PE contracts to 16.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 03, 2026 7:45 PM ET
Data refreshes hourly during market hours. Next update: 8:45 PM
Data refreshes hourly during market hours. Next update: 8:45 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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