NIC Stock Analysis: Buy, Sell, or Hold?
NIC - Nicolet Bankshares,Inc.
$137.18
-3.84 (-2.72%)
▼
5d:
-6.72%
30d:
-11.71%
90d:
-11.61%
HOLD
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 14, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NIC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: NIC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$205.23
Based on 7.9% avg growth
INTRINSIC VALUE TODAY
$127.43
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 10.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NIC is currently trading at $137.18, which is considered oversold relative to its 30-day fair value range of $142.87 to $155.20. The stock's valuation (Forward PE: 10.3) is in line with its historical norms (10.6). Remarkably, the market is currently pricing in an annual earnings decline of 0.8% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, NIC is in a uptrend. The price is currently testing key support at $137.10. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: NIC has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $174.20 (+27.0%). 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 currently testing key support at $137.10. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: NIC has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $174.20 (+27.0%). 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
OVERSOLD
Historical Trading Range
$142.87 -
$155.20
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 27.0% below Wall St target ($174.20)
- CAUTION: 5-day price weakness (-6.7%) - monitor closely
Trading Range Analysis
30-Day Trading Range
$142.87 -
$155.20
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$137.10
Resistance Level
$149.89
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.32
Wall Street Target
$174.20
(+27.0%)
Revenue Growth (YoY)
46.5%
Earnings Growth (YoY)
-61.1%
Profit Margin
31.1%
Valuation Discount vs History
-0.8% cheaper
PE vs Historical
10.3 vs 10.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.8%
(market-implied from PE analysis)
1-Year Target
$136.08
(-1%)
2-Year Target
$134.99
(-2%)
3-Year Target
$133.91
(-2%)
3-Yr Target (if PE normalizes)
(PE: 10→11)
$137.52
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 11.7%)
$408.82
(+198%)
Base:
(SPY PE: 10.3, Growth: 11.7%)
$191.20
(+39%)
Bear:
(PE: 8.8, Growth: 11.7%)
$162.52
(+19%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (17x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 16.57 | Current EPS (TTM): $8.51
Bull Case
$242.25
(+77%)
Analyst growth 56.2%, PE expands to 18.2
Base Case
$220.23
(+61%)
Market implied 56.2%, PE stable at 16.6
Bear Case
$95.89
(-30%)
Severe decline -20.0%, PE contracts to 14.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.3 to 10.6
Stabilization Target:
$140.87
(+2.7%)
PE Expansion Potential:
+2.7%
Share & Embed Analysis
Last updated: May 16, 2026 4:08 AM ET
Data refreshes hourly during market hours. Next update: 5:08 AM
Data refreshes hourly during market hours. Next update: 5:08 AM
🔥 Top Stocks Breaking Out Now
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Technical Signals Check
Is NIC showing a specific setup today?
Insider Activity (6 Months)
1
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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