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Nicolet Bankshares, Inc.

NYSE•NIC
CEO: Mr. Michael E. Daniels
セクター: Financial Services
業種: Banks - Regional
上場日: 2013-05-17
Nicolet Bankshares, Inc. operates as the bank holding company for Nicolet National Bank that provides banking products and services for businesses and individuals in Wisconsin and Michigan. The company accepts checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts. It also offers commercial loans, including commercial, industrial, and business loans and lines of credit; commercial real estate loans; agricultural (AG) production and AG real estate loans; commercial real estate investment real estate loans; construction and land development loans; residential real estate loans, such as residential first lien and junior lien mortgages, home equity loans, lines of credit, and residential construction loans; and consumer loans. In addition, the company provides cash management, international banking, personal brokerage, safe deposit boxes, and trust and fiduciary services, as well as wealth management and retirement plan services. Further, it offers mortgage refinancing; online services, such as commercial, retail, and trust online banking; automated bill payment, mobile banking deposits and account access, and remote deposit capture services; and other services consisting of wire transfers, debit cards, credit cards, pre-paid gift cards, direct deposits, and official bank checks, as well as facilitates crop insurance products. The company was formerly known as Green Bay Financial Corporation and changed its name to Nicolet Bankshares, Inc. in March 2002. The company was incorporated in 2000 and is headquartered in Green Bay, Wisconsin.
連絡先情報
111 North Washington Street, Green Bay, WI, 54301, United States
920-430-1400
www.nicoletbank.com
時価総額
$2.24B
PER (TTM)
14.7
13.4
配当利回り
0.9%
52週高値
$163.11
52週安値
$97.90
52週レンジ
79%
順位40Top 42.0%
4.1
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.1 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$139.42M+5.24%
直近4四半期の推移

EPS

$2.72+20.89%
直近4四半期の推移

フリーCF

$25.51M-100.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Record Net Income Achieved Net income reached $150.7M in 2025, up significantly from $124.1M in 2024; diluted EPS was $9.78, reflecting strong operational performance.
Strong Net Interest Income Growth NII increased 14% to $306.5M, driven by favorable volume and rates; Net Interest Margin improved to 3.76% from 3.47% year-over-year.
Balance Sheet Expansion Underway Total assets grew 4% to $9.19B by year-end 2025; total loans reached $6.84B, supported by solid organic growth across key segments.
Robust Capital Position Maintained Company CET1 ratio stood strong at 12.0% (Bank at 11.2%), well above minimum requirements, supporting strategic flexibility and shareholder returns.

リスク要因

Credit Quality Creep Noted NPAs rose slightly to 0.35% of assets ($32.3M); net charge-offs increased to $1.8M, requiring continued monitoring of commercial loan quality.
MidWestOne Integration Complexity Successful integration of the large MidWestOne acquisition, closing early 2026, poses significant operational, cultural, and system conversion challenges.
Interest Rate Sensitivity Pressure Profitability remains highly dependent on managing the interest rate spread; NIM compression risk exists if funding costs rise faster than asset yields.
Intense Competitive Environment Competition from non-traditional fintech providers is intensifying, requiring continuous capital investment to maintain competitive product offerings.

見通し

2026 Integration Focus Primary focus for 2026 is successfully integrating MidWestOne's operations, with core system conversion intentionally delayed until late summer 2026.
Capital Allocation Decisions Ahead The Board will determine 2026 capital allocation strategy, balancing organic growth, increased dividends, and potential future strategic actions.
Stable Credit Quality Expected Management anticipates solid credit quality trends to continue, though concentration risk in commercial lending and economic uncertainty require vigilance.
Adapting to Regulatory Changes Anticipating potential shifts in federal regulatory priorities and scope, requiring ongoing compliance adaptation and resource allocation.

同業比較

売上高 (TTM)

BBAR stock ticker logoBBAR
$4.49B
-3.5%
PNFP stock ticker logoPNFP
$2.92B
+2.3%
OZK stock ticker logoOZK
$2.81B
+1.1%

粗利益率 (最新四半期)

BBAR stock ticker logoBBAR
97.9%
-20.4pp
OFG stock ticker logoOFG
80.6%
+14.5pp
TCBK stock ticker logoTCBK
79.7%
+5.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
PNFP$6.37B9.99.5%4.4%
OZK$4.86B6.711.9%1.1%
BBAR$2.72B18.07.4%1.8%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.1%
緩やかな成長
4四半期純利益CAGR
7.4%
収益性の着実な向上
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月13日
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EPS:-
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売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし