NICOLET BANKSHARES INC (NCBS)

US65406E1029 - Common Stock

78.01  +2.66 (+3.53%)

Fundamental Rating

3

Overall NCBS gets a fundamental rating of 3 out of 10. We evaluated NCBS against 411 industry peers in the Banks industry. Both the profitability and financial health of NCBS have multiple concerns. NCBS is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!



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2

1. Profitability

1.1 Basic Checks

In the past year NCBS was profitable.
Each year in the past 5 years NCBS has been profitable.
NCBS had a positive operating cash flow in each of the past 5 years.

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

1.3 Margins

NCBS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

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0

2. Health

2.1 Basic Checks

NCBS has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, NCBS has a worse debt to assets ratio.

2.2 Solvency

NCBS has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

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

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8

3. Growth

3.1 Past

The earnings per share for NCBS have decreased strongly by -16.02% in the last year.
NCBS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.36% yearly.
Looking at the last year, NCBS shows a very strong growth in Revenue. 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 growth Q2Q-2.86%
Revenue 1Y (TTM)21%
Revenue growth 3Y15.55%
Revenue growth 5Y18.91%
Revenue growth Q2Q37.36%

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.31 indicates a correct valuation of NCBS.
Compared to an average S&P500 Price/Earnings ratio of 24.92, NCBS is valued a bit cheaper.
A Price/Forward Earnings ratio of 9.43 indicates a reasonable valuation of NCBS.
NCBS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.49.
Industry RankSector Rank
PE 14.31
Fwd PE 9.43

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

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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0

5. Dividend

5.1 Amount

No dividends for NCBS!.
Industry RankSector Rank
Dividend Yield N/A

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NICOLET BANKSHARES INC

NASDAQ:NCBS (5/23/2022, 7:00:02 PM)

78.01

+2.66 (+3.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.04B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 14.31
Fwd PE 9.43
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.45
PEG (5Y)0.82
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 7.96%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 27.25%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-16.02%
EPS 3Y10.11%
EPS 5Y
EPS growth Q2Q
EPS Next Y32.09%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)21%
Revenue growth 3Y15.55%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y