Nicolet Bankshares, Inc. (NCBS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Inter & Co., Inc.

City Holding Co.

Nicolet Bankshares, Inc.

OFG Bancorp

Stellar Bancorp, Inc.

NBT Bancorp, Inc.

FB Financial Corp.

Pathward Financial, Inc.

Hope Bancorp, Inc.

Park National Corp.

First Merchants Corp. (Indiana)

Why is Nicolet Bankshares, Inc. ?

High Profitability with a Net Interest Margin of 16.36%

The company has declared Positive results for the last 6 consecutive quarters

OPERATING CASH FLOW(Y) Highest at USD 148.86 MM
ROCE(HY) Highest at 1.55%
NII(Q) Highest at USD 75.11 MM

With ROA of 0.93%, it has a fair valuation with a 1.50 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 15.80%, its profits have risen by 31.2% ; the PEG ratio of the company is 0.5

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Nicolet Bankshares, Inc. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Nicolet Bankshares, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Nicolet Bankshares, Inc.

25.44%

2.44

29.17%

S&P 500

25.41%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

25.85%

EBIT Growth (5y)

14.32%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

12.68%

Pledged Shares

Institutional Holding

40.66%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.46

EV to EBIT

14.41

EV to EBITDA

13.27

EV to Capital Employed

3.76

EV to Sales

5.32

PEG Ratio

0.78

Dividend Yield

55.33%

ROCE (Latest)

26.10%

ROE (Latest)

12.11%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

NII(Q)

Highest at USD 109.56 MM

OPERATING PROFIT(Q)

Highest at USD 59.69 MM

PRE-TAX PROFIT(Q)

Highest at USD 59.69 MM

NET PROFIT(Q)

Highest at USD 47.72 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 39.48%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 158.21 MM

-4What is not working for the Company

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 86.18%

EPS(Q)

Lowest at USD 0.81

Here's what is working for Nicolet Bankshares, Inc.

NII

Highest at USD 109.56 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD 59.69 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 59.69 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 47.72 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Net Sales

Highest at USD 158.21 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Net Sales

At USD 158.21 MM has Grown at 40.33%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Dividend Payout Ratio

Highest at 39.48%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Nicolet Bankshares, Inc.

Non Performing Loans (%)

Highest at 0.68%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

EPS

Lowest at USD 0.81

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Lowest at 86.18%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)