NICOLET BANKSHARES INC (NCBS) Fundamental Analysis & Valuation

NASDAQ:NCBS • US65406E1029

Current stock price

78.01
+2.66 (+3.53%)
Last:

This NCBS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

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1. NCBS Profitability Analysis

1.1 Basic Checks

  • NCBS had positive earnings in the past year.
NCBS Yearly Net Income VS EBIT VS OCF VS FCFNCBS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M

1.2 Ratios

Industry RankSector Rank
ROA 0.91%
ROE 7.96%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
NCBS Yearly ROA, ROE, ROICNCBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

  • The Operating Margin and Gross Margin are not available for NCBS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
NCBS Yearly Profit, Operating, Gross MarginsNCBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 10 20 30

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2. NCBS Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, NCBS has more shares outstanding
  • Compared to 1 year ago, NCBS has a worse debt to assets ratio.
NCBS Yearly Shares OutstandingNCBS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2M 4M 6M 8M 10M
NCBS Yearly Total Debt VS Total AssetsNCBS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2B 4B 6B

2.2 Solvency

  • A Debt/Equity ratio of 0.23 indicates that NCBS is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
NCBS Yearly LT Debt VS Equity VS FCFNCBS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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8

3. NCBS Growth Analysis

3.1 Past

  • The earnings per share for NCBS have decreased strongly by -16.02% in the last year.
  • Measured over the past years, NCBS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.36% on average per year.
  • NCBS shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.00%.
  • The Revenue has been growing by 18.91% on average over the past years. This is quite good.
EPS 1Y (TTM)-16.02%
EPS 3Y10.11%
EPS 5Y17.36%
EPS Q2Q%-2.86%
Revenue 1Y (TTM)21%
Revenue growth 3Y15.55%
Revenue growth 5Y18.91%
Sales Q2Q%37.36%

3.2 Future

  • The Earnings Per Share is expected to grow by 21.67% on average over the next years. This is a very strong growth
  • NCBS is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 35.03% yearly.
EPS Next Y32.09%
EPS Next 2Y22.64%
EPS Next 3Y21.59%
EPS Next 5Y21.67%
Revenue Next Year57.51%
Revenue Next 2Y34.89%
Revenue Next 3Y34.54%
Revenue Next 5Y35.03%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
NCBS Yearly Revenue VS EstimatesNCBS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
NCBS Yearly EPS VS EstimatesNCBS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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4

4. NCBS Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.31, which indicates a correct valuation of NCBS.
  • NCBS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.78.
  • With a Price/Forward Earnings ratio of 9.43, the valuation of NCBS can be described as very reasonable.
  • When comparing the Price/Forward Earnings ratio of NCBS to the average of the S&P500 Index (23.54), we can say NCBS is valued rather cheaply.
Industry RankSector Rank
PE 14.31
Fwd PE 9.43
NCBS Price Earnings VS Forward Price EarningsNCBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
NCBS Per share dataNCBS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • NCBS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as NCBS's earnings are expected to grow with 21.59% in the coming years.
PEG (NY)0.45
PEG (5Y)0.82
EPS Next 2Y22.64%
EPS Next 3Y21.59%

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5. NCBS Dividend Analysis

5.1 Amount

  • NCBS does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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NCBS Fundamentals: All Metrics, Ratios and Statistics

NICOLET BANKSHARES INC

NASDAQ:NCBS (5/23/2022, 8:00:02 PM)

78.01

+2.66 (+3.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-19
Earnings (Next)07-18
Inst Owners51.76%
Inst Owner Change9%
Ins Owners4.18%
Ins Owner Change0%
Market Cap1.04B
Revenue(TTM)244.29M
Net Income(TTM)66.57M
Analysts81.82
Price Target110.16 (41.21%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.31
Fwd PE 9.43
P/S 4.28
P/FCF N/A
P/OCF N/A
P/B 1.25
P/tB N/A
EV/EBITDA N/A
EPS(TTM)5.45
EY6.99%
EPS(NY)8.27
Fwd EY10.6%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS18.24
BVpS62.45
TBVpSN/A
PEG (NY)0.45
PEG (5Y)0.82
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 7.96%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.25%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-16.02%
EPS 3Y10.11%
EPS 5Y17.36%
EPS Q2Q%-2.86%
EPS Next Y32.09%
EPS Next 2Y22.64%
EPS Next 3Y21.59%
EPS Next 5Y21.67%
Revenue 1Y (TTM)21%
Revenue growth 3Y15.55%
Revenue growth 5Y18.91%
Sales Q2Q%37.36%
Revenue Next Year57.51%
Revenue Next 2Y34.89%
Revenue Next 3Y34.54%
Revenue Next 5Y35.03%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

NICOLET BANKSHARES INC / NCBS Fundamental Analysis FAQ

What is the ChartMill fundamental rating of NICOLET BANKSHARES INC (NCBS) stock?

ChartMill assigns a fundamental rating of 3 / 10 to NCBS.


What is the valuation status of NICOLET BANKSHARES INC (NCBS) stock?

ChartMill assigns a valuation rating of 5 / 10 to NICOLET BANKSHARES INC (NCBS). This can be considered as Fairly Valued.


How profitable is NICOLET BANKSHARES INC (NCBS) stock?

NICOLET BANKSHARES INC (NCBS) has a profitability rating of 1 / 10.


How financially healthy is NICOLET BANKSHARES INC?

The financial health rating of NICOLET BANKSHARES INC (NCBS) is 1 / 10.


What is the expected EPS growth for NICOLET BANKSHARES INC (NCBS) stock?

The Earnings per Share (EPS) of NICOLET BANKSHARES INC (NCBS) is expected to grow by 32.09% in the next year.