Nicolet BanksharesNIC +2.55%67 FCF Margin % is 11.18% as of Mar. 2026, which is 66% below its 10-year median of 32.96. GuruFocus rates NIC with a GF Score™ of 67/100 and a GF Value™ of $134.48 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,505 Banks companies, Nicolet Bankshares ranks better than 53.16% on this metric.
The historical rank and industry rank for Nicolet Bankshares's FCF Margin % or its related term are showing as below:
NIC'
s FCF Margin % Range Over the Past 10 Years
Min: 21.9 Med: 32.96 Max: 38.12
Current: 28.17
During the past 13 years, the highest FCF Margin % of Nicolet Bankshares was 38.12%. The lowest was 21.90%. And the median was 32.96%.
NIC's FCF Margin % is ranked better than 53.16% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs NIC: 28.17
Nicolet Bankshares FCF Margin % Related Terms
Nicolet Bankshares FCF Margin % Historical Data
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The historical data trend for Nicolet Bankshares's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Nicolet Bankshares's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Nicolet Bankshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Nicolet Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Nicolet Bankshares's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Nicolet Bankshares (NIC) has a FCF Margin % of 11.18% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nicolet Bankshares and its competitors. This is 66% below median its historical median of 32.96. Over the past decade, Nicolet Bankshares' FCF Margin % has ranged from 21.90 to 38.12. According to the industry distribution chart, Nicolet Bankshares ranks #705 out of 1505 companies in the Banks industry, placing it in the top 46.8%.
Is Nicolet Bankshares' FCF Margin % too high?
Nicolet Bankshares' current FCF Margin % of 11.18% is 66% below median its 10-year median of 32.96. Over the past 10 years, this metric has ranged from a low of 21.90 to a high of 38.12. The Banks industry median FCF Margin % is 26.42. Nicolet Bankshares' value of 11.18% is 57.7% below this industry median. Based on the distribution chart, Nicolet Bankshares ranks #705 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, Nicolet Bankshares has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Nicolet Bankshares' FCF Margin % compare to BANC and SBCF?
According to the Banks industry distribution chart, Nicolet Bankshares ranks #705 out of 1505 companies for FCF Margin %. This puts Nicolet Bankshares in the upper half of its industry. The industry median FCF Margin % is 26.42. Nicolet Bankshares' value of 11.18% is 57.7% below this benchmark. Historically, Nicolet Bankshares' own FCF Margin % has ranged from 21.90 to 38.12 over the past decade. While the company's 10-year median is 32.96 vs. the industry median of 26.42, Nicolet Bankshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Nicolet Bankshares's current FCF Margin % of 11.18% is 57.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nicolet Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nicolet Bankshares's current FCF Margin % is 11.18%, which is 66% below median its own 10-year median of 32.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nicolet Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Nicolet Bankshares (NIC) is currently considered Modestly Overvalued. The stock's GF Value™ is $134.48, compared to a current price of $156.23 — trading 16.2% above its estimated fair value. The current FCF Margin % is 11.18%, which is 66% below median its 10-year median of 32.96 and 57.7% below the Banks industry median of 26.42. Nicolet Bankshares' overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Nicolet Bankshares (NIC), the current FCF Margin % is 11.18% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Nicolet Bankshares (NIC) Overvalued in 2026?
Based on GuruFocus' analysis, Nicolet Bankshares stock appears to be overvalued.
The current stock price of $156.23 is trading 16.2% above its estimated GF Value™ of $134.48.
GuruFocus considers Nicolet Bankshares to be Modestly Overvalued.
Key valuation signals for NIC:
FCF Margin %: 11.18% (66% below median its 10-year median of 32.96)
GF Value™: $134.48 vs. price of $156.23 (16.2% above fair value)
Industry Position: 57.7% below the Banks median (#705 of 1505)
No single metric tells the full story. See the NIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nicolet Bankshares Inc is a United States-based bank holding company's principal business is banking, consisting of lending and deposit gathering, as well as ancillary banking-related products and services, to businesses and individuals of the communities it serves, and the operational support to deliver, fund and manage. It offers a variety of loans, deposits, and related services to business customers especially small and medium-sized businesses and professional concerns, business deposit products, cash management services, international banking services, business loans, lines of credit, commercial real estate financing, construction loans, agricultural real estate or production loans, and letters of credit, as well as retirement plan services.
67GF Score
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