니콜렛뱅크쉐어즈(NIC) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

NIC

Nicolet Bankshares Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$168.16

-1.48 ▼ -0.87%

🌙 7월 27일 7:34 PM ET (한국 7/28 08:34)

$168.16

+0.00 +0.00%

니콜렛뱅크쉐어즈(NIC) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$3.6B

스몰캡

P/E

19.1

적정 수준

배당수익률

0.84%

52주 위치

91%

저점 +47% · 고점 -3%

애널리스트

매수

C+

Fundamental health

vs. Banks - Regional 중형주

수익성

Top 53%

성장

Top 23%

밸류에이션

Top 14%

재무 안정

Top 96%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 5년 (not other companies).

Very cheap

Cheap

Typical

Pricey

🔥 Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 27원. Over the past 5년, it usually traded around 14원. One of the priciest stretches of the past 5년.

Pricy doesn't mean bad — it means expectations are already baked in.

Index ⓘ	RUT	P/E ⓘ	19.1	EPS (ttm) ⓘ	8.81	Insider Own ⓘ	8.78%	Shs Outstand ⓘ	21.1M	Perf Week ⓘ	0.68%
Market Cap ⓘ	3.57B	Forward P/E ⓘ	12.44	EPS next Y ⓘ	15.34%	Insider Trans ⓘ	-0.69%	Shs Float ⓘ	19.4M	Perf Month ⓘ	4.22%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	3.06	Inst Own ⓘ	53.2%	Short Float ⓘ	5.71%	Perf Quarter ⓘ	15.57%
Income ⓘ	0.15B	P/S ⓘ	5.05	EPS this Y ⓘ	19.37%	Inst Trans ⓘ	22.23%	Short Ratio ⓘ	4.04	Perf Half Y ⓘ	19.03%
Sales ⓘ	0.71B	P/B ⓘ	1.56	EPS next 5Y ⓘ	-	ROA ⓘ	1.27%	Short Interest ⓘ	1.11M	Perf YTD ⓘ	38.63%
Book/sh ⓘ	107.85	P/C ⓘ	-	EPS past 3/5Y ⓘ	14.26% 11.39%	ROE ⓘ	8.91%	52W High ⓘ	-3.07% ($173.48)	Perf Year ⓘ	25.9%
Cash/sh ⓘ	-	P/FCF ⓘ	29.08	Sales past 3/5Y ⓘ	18.81% 21.3%	ROIC ⓘ	6.52%	52W Low ⓘ	47.36% ($114.11)	Perf 3Y ⓘ	103.46%
Dividend Est. ⓘ	$1.41 (0.84%)	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	1.18%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	3.09% 2.52%	Perf 5Y ⓘ	136.91%
Dividend TTM ⓘ	1.32	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	31.61%	Oper. Margin ⓘ	34.41%	ATR (14) ⓘ	4.48	Perf 10Y ⓘ	361.85%
Dividend Ex-Date ⓘ	2026/9/1	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	12.2%	Profit Margin ⓘ	21.77%	RSI (14) ⓘ	61.4	Recom ⓘ	1.67
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	0.11	Sales Q/Q ⓘ	71.53%	SMA20 ⓘ	1.01% ($166.48)	Beta ⓘ	0.65	Target Price ⓘ	$191.8
Payout ⓘ	12.68%	Debt/Eq ⓘ	0.04	Earnings ⓘ	2026/7/21	SMA50 ⓘ	9.76% ($153.21)	Rel Volume ⓘ	0.99	Prev Close ⓘ	$169.64
Employees ⓘ	-	LT Debt/Eq ⓘ	0.04	EPS/Sales Surpr. ⓘ	4.79% 3.39%	SMA200 ⓘ	18.27% ($142.18)	Avg Volume(3M) ⓘ	0.27M	Price ⓘ	$168.16
IPO ⓘ	2013/5/17	Option/Short ⓘ	Yes/Yes			Trades ⓘ	4256	Volume ⓘ	271,357	Change ⓘ	-0.87%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12*

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $158M (YoY +40%) · 순이익 $15M (YoY -53%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Nicolet Bankshares Inc (NIC) Investment Analysis

What kind of company is Nicolet Bankshares Inc?

니콜렛뱅크쉐어즈(NIC) 가치주

Financial · Banks - Regional

#1667 by Market Cap — Mid-Cap

Based in the U.S. Midwest, this is a regional bank holding company that provides comprehensive financial services—including deposits, loans, and wealth management—to both retail and commercial customers across the Midwest, with a strong presence in states such as Wisconsin. The bank is characterized by its community-oriented, locally focused operations, as well as its growth strategy driven by acquisitions.

Learn more about Nicolet Bankshares Inc →

Market Cap

$3.6B

Approx. KRW 4.9 trillion

⚖️ 1% of Samsung Electronics

Market Cap Rank1667

IPO2013/05/17

Current Price$168.16 ≈ 230,379원

📌 RUT · NYSE · USA

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date D-35

9월 1일 (화) · 주당 $0.36

지급 9월 15일 (화)

💡 배당을 받으려면 8월 31일까지 매수하는게 좋습니다

📜 Recent events

🔔 Earnings release 2026년 7월 21일 (화) · 장 마감 후 EPS +4.8% 매출 +3.4%

🎯 Ex-div 2026년 6월 1일 (월) 주당 $0.36

🔔 Earnings release 2026년 4월 21일 (화) · 장 마감 후 EPS +2.8% 매출 -3.2%

🎯 Ex-div 2026년 3월 2일 (월) 주당 $0.32

🔔 Earnings release 2026년 1월 20일 (화) · 장 마감 후 EPS +6.9% 매출 +2.9%

Is it profitable?

Financial health caution

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

34.4%

✓ 우수

My positionTop 25%

Low range Average High range

Banks - Regional 중형주 Median 27.0% · Top 15%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

21.8%

✓ 양호

My positionMid-range

Low range Average High range

Banks - Regional 중형주 Median 21.0% · Top 45%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

8.9%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 12.1% · Bottom 27%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

1.3%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 1.5% · Bottom 35%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

6.5%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 8.4% · Bottom 34%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.04

✓ Very low debt

My positionTop 5%

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.11

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$191.80

현재가 대비 +14.1%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

12.44배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

내년 EPS 예상 성장률

+15.3%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Reliability

Beat estimates in 3 of the last 3 quarters

예상 상회

예상 부합

예상 하회

100%

상회 비율

+4.2%

평균 서프라이즈

2026.07.21

상회

실적 $2.99 · 예상 $2.91 +2.8%

2026.04.21

상회

실적 $2.75 · 예상 $2.69 +2.3%

2026.01.20

상회

실적 $2.73 · 예상 $2.54 +7.4%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Strong Growth

Above the industry average, both historically and going forward

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+19.4%

우수

My positionTop 25%

Low range Average High range

가치주 중형주 Median 5.4% · Top 20%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+15.3%

우수

My positionTop 25%

Low range Average High range

가치주 중형주 Median 7.7% · Top 19%

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+14.3%

양호

My positionMid-range

Low range Average High range

가치주 중형주 Median 4.1% · Top 25%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+11.4%

평균

My positionMid-range

Low range Average High range

가치주 중형주 Median 12.9% · Bottom 39%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+21.3%

우수

My positionTop 25%

Low range Average High range

가치주 중형주 Median 9.2% · Top 13%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+71.5%

우수

My positionTop 5%

Low range Average High range

가치주 중형주 Median 4.0% · Top tier

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Outperformed the market by 69%p over 5 years

NIC +136.9% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

+68.6%p

well ahead of the market

1-year basis

vs S&P 500

+9.9%p

slightly ahead of the market

Rank among peers

5-year return Top 12% Based on 77 peers

1-year return Upper-Mid (40%) Based on 78 peers

Current position within 52-week range

Low (-47.4%p) High (-3.1%p)

Current price is 47.4% above the 52-week low and 3.1% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-18.3%

Annualized volatility

29.9%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢

Current diagnosis · 2026-07-27

Uptrend zone

Current price $168.16 above the midline ($166.48). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡

Current diagnosis · 2026-07-27

Neutral zone — weak trend

MACD 4.164 · Signal 4.651 · Hist -0.486. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 61.4 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 59.5.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Pricier than peers in its industry

Pricey on Vs. Earnings·Vs. Assets·Vs. Sales·Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Pricey

🏢 Vs. Assets Pricey

🧾 Vs. Sales Pricey

💧 Vs. Cash Flow Pricey

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

19.10x

✓ Pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 중형주 median 13.04x · Bottom 15% — expensive within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

12.44x

✓ Pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 중형주 median 10.67x · Bottom 23% — expensive within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.56x

✓ Pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 중형주 median 1.29x · Bottom 24% — expensive within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

5.05x

✓ Very pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 중형주 median 2.67x · Bottom 7% — expensive within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

29.08x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Regional 중형주 median 12.58x · Bottom 1% — expensive within the industry

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$191.80 vs. current price +14.1%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 중형주

Who owns it?

Ownership is broadly stable

Insider modest net selling -0.7% · Institutional net buying +22.2% · Short interest moderate 5.7% · Short interest up +2.3pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

-0.7%

Insiders net selling

🏦 Institutions (funds & investors)

+22.2%

Institutions large net buying

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 53.2%

Adequate institutional weight

Financial 중형주 Median 76.4%

🧑‍💼 Insiders 8.8%

Meaningful insider stake

Financial 중형주 Median 3.1%

👤 Retail investors (estimated) 38.0%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

5.7%

Moderate

Financial 중형주 Median 5.1%

Past 90 days 📈 +2.3%p increase

Short interest days to cover

4.0 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 21.1M주

Float (tradable shares) 19.4M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding NIC

ETFs with the highest weightings · 10 total shown

GSC

Goldman Sachs Small Cap Equity ETF

1.01%

$284M

KBE

State Street SPDR S&P Bank ETF

0.98%

$1.6B

PFI

Invesco Dorsey Wright Financial Momentum ETF

0.72%

$59M

FPX

First Trust US Equity Opportunities ETF

0.72%

$1.5B

KRE

State Street SPDR S&P Regional Banking ETF

0.65%

$4.3B

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당 지급 — 연 0.84%

배당보다 주가 성장에 가까운 비중

Dividend Yield

0.84%

Industry average 2.62%

Dividend Per Share

$1.41

Annualized

Payout Ratio

13%

Share of net income paid as dividends

5-Year Growth

Annualized dividend growth

📅 지급월 3월 · 9월 · 12월

📊 총 이력 2023~2026 (12건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$0.75

2023

$1.09 +45.3%

2024

$1.24 +13.8%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 12건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2026-03-02

$0.320

—

1.00%

2025-12-08

$0.320

—

0.96%

2025-09-02

$0.320

—

1.08%

2025-06-02

$0.320

—

1.20%

2025-03-10

$0.280

—

1.01%

2024-12-02

$0.280

—

0.97%

2024-09-03

$0.280

—

1.08%

2024-06-03

$0.280

—

1.30%

2024-03-07

$0.250

—

1.22%

2023-11-30

$0.250

—

1.02%

2023-08-31

$0.250

—

0.66%

2023-05-31

$0.250

—

0.40%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 7,127원

5년 누적 (세후) 3.6만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 0% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
NIC This Stock	$3.6B	19.1 ▼	1.6 ▼	8.91% ▼	0.84% ▼	-0.9%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

Derivative ETFs for NIC

Leveraged, inverse, and covered call ETFs based on the underlying asset

3 derivative ETFs based on NIC (Leverage 1 · Covered Call 2)

These are based on the same underlying asset but carry a completely different risk and return profile. Please review the warning below first.

ℹ️ What is a Derivative ETF?

These are special ETFs that amplify, reverse, or monetize the price movement of an underlying ETF or security. Leveraged ETFs aim for 2–3× the daily move, Inverse ETFs target opposite-direction returns, and Covered Call ETFs generate monthly income from option premiums.

⚠️ Caution: Long-Term Holding

Leveraged and inverse ETFs track only the daily return. With high volatility, holding them for longer periods causes cumulative volatility decay—returns diverge further from the underlying index. They are meant for short-term trading.

📈 Leverage 1 ETFs that move 2-3x with NIC (high volatility)