
NIC Stock Forecast & Price Target
NIC Analyst Ratings
Bulls say
Nicolet Bankshares Inc. is expected to experience substantial tangible book value (TBV) growth, projected at 24% and 19% for 2026 and 2027, respectively, driven by a strong profitability outlook and anticipated increases in shareholder capital returns through higher dividends and buybacks. The bank has shown solid fundamentals, with both TBV and tangible common equity (TCE) increasing by 5% and 33 basis points quarter-over-quarter, supported by significant growth in both internal and brokered deposits. Furthermore, the bank's net interest margin (NIM) is anticipated to improve incrementally, with projections indicating an increase to 3.87% by the fourth quarter of 2026, aided by upward re-pricing of fixed-rate loans and continued growth in both loans and core deposits.
Bears say
Nicolet Bankshares faces a deterioration in credit quality that may lead to higher net charge-offs and loan loss provisions, adversely affecting its profitability outlook. The bank has reported a significant decline in end-of-period loans totaling $38 million quarter-over-quarter, primarily driven by decreased commercial and industrial loans, as well as a decline in various real estate loan categories. Additionally, projected pressure on net interest margins, along with slow loan and core deposit growth and elevated operating expenses, contribute to a negative outlook for the company.
This aggregate rating is based on analysts' research of Nicolet Bankshares Inc and is not a guaranteed prediction by Public.com or investment advice.
NIC Analyst Forecast & Price Prediction
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