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Nicolet Bankshares has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Nicolet Bankshares did not have earnings to cover the interest expense.
Nicolet Bankshares's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.13.
Altman Z-Score does not apply to banks and insurance companies.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Nicolet Bankshares has the Financial Strength Rank of 4.
Nicolet Bankshares Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
GuruFocus does not calculate Nicolet Bankshares's interest coverage with the available data.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Nicolet Bankshares Inc has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
Nicolet Bankshares's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 4 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Nicolet Bankshares and its competitors. This is 20% below median its historical median of 5.00. Over the past decade, Nicolet Bankshares' Financial Strength has ranged from 2.00 to 7.00.
Is Nicolet Bankshares' Financial Strength too high?
Nicolet Bankshares' current Financial Strength of 4 is 20% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 7.00. Overall, Nicolet Bankshares has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Nicolet Bankshares' Financial Strength compare to PRK and FIBK?
Nicolet Bankshares' Financial Strength of 4 can be compared against companies in the Banks industry. Historically, Nicolet Bankshares' own Financial Strength has ranged from 2.00 to 7.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Nicolet Bankshares and its competitors. Nicolet Bankshares's current Financial Strength is 4, which is 20% below median its own 10-year median of 5.00. 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 $132.68, compared to a current price of $164.75 — trading 24.2% above its estimated fair value. The current Financial Strength is 4, which is 20% below median its 10-year median of 5.00. Nicolet Bankshares' overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Nicolet Bankshares (NIC), the current Financial Strength is 4 as of Jun. 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 $164.75 is trading 24.2% above its estimated GF Value™ of $132.68.
GuruFocus considers Nicolet Bankshares to be Modestly Overvalued.
Key valuation signals for NIC:
Financial Strength: 4 (20% below median its 10-year median of 5.00)
GF Value™: $132.68 vs. price of $164.75 (24.2% above fair value)
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.
66GF Score
Get the complete analysis for NIC
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