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Market Price

58.18 

0.38 0.7%

as of Mar 18 '19

52 Week Range:

46.02 58.60


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Nicolet Bankshares, Inc. operates as the holding company for Nicolet National Bank that provides commercial and retail banking services for businesses and individuals. 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; owner-occupied 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 mortgages, 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, 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, remote deposit capture, and telephone banking services; and other services consisting of wire transfers, debit cards, credit cards, pre-paid gift cards, direct deposits, official bank checks. Additionally, the company provides investment strategy and transactional services to financial institutions. As of December 31, 2017, it operated 38 branches located in northeast and central Wisconsin, as well as in Menominee, Michigan. The company was formerly known as Green Bay Financial Corporation and changed its name to Nicolet Bankshares, Inc. in March 2002. Nicolet Bankshares, Inc. was founded in 2000 and is headquartered in Green Bay, Wisconsin.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 18.66
21.01
22.30
32.30
36.71
39.72
growth rate 12.6% 6.1% 44.8% 13.7% 8.2%
Earnings BIT 16.38
19.67
30.26
52.53
growth rate 20.1% 53.8% 73.6%
Avg.PE 12.72
12.74
20.71
16.74
13.88
growth rate 0.2% 62.6% -19.2% -17.1%
ROA 0.24
1.56
0.80
0.92
1.01
1.27
1.36
growth rate 550.0% -48.7% 15.0% 9.8% 25.7% 7.1%
ROE 3.43
22.74
11.62
12.20
9.55
10.36
10.93
growth rate 563.0% -48.9% 5.0% -21.7% 8.5% 5.5%
ROIC 6.29
17.58
11.54
growth rate 179.5% -34.4%
Leverage 14.08
14.89
14.03
12.48
8.34
8.05
8.01
growth rate 5.8% -5.8% -11.1% -33.2% -3.5% -0.5%
Balance Sheet Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 11.03
21.12
18.92
13.36
33.07
35.82
growth rate 91.5% -10.4% -29.4% 147.6% 8.3%
Acct.Payable 6.41
7.42
1,059.90
1,056.42
1,969.99
2,471.06
growth rate 15.9% 14,176.7% -0.3% 86.5% 25.4%
Cur.Assets 100.39
104.88
162.85
184.27
growth rate 4.5% 55.3% 13.2%
Total Assets 745.26
1,198.80
1,215.29
1,214.44
2,300.88
2,932.43
growth rate 60.9% 1.4% -0.1% 89.5% 27.5%
Cash 143.13
276.45
68.71
83.62
129.10
149.93
growth rate 93.2% -75.2% 21.7% 54.4% 16.1%
Inventory 1.97
0.37
2.06
1.29
growth rate -81.3% 461.0% -37.2%
Cur.Liabilities 1,070.27
1,074.02
1,986.90
2,490.38
growth rate 0.4% 85.0% 25.3%
Liabilities 667.92
1,093.94
1,104.22
1,104.75
2,024.51
2,567.55
growth rate 63.8% 0.9% 0.1% 83.3% 26.8%
LT Debt 33.50
30.38
37.62
77.03
growth rate -9.3% 23.8% 104.8%
Equity 77.33
104.86
86.61
97.30
275.95
364.18
377.17
growth rate 35.6% -17.4% 12.4% 183.6% 32.0% 3.6%
Common Shares 3.00
4.00
4.00
4.00
8.00
10.00
10.00
growth rate 33.3% 0.0% 0.0% 100.0% 25.0% 0.0%
Cash Flow Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 1.94
3.03
5.77
1.18
4.05
3.74
growth rate 56.5% 90.1% -79.5% 243.0% -7.8%
Cash Dividends 1.22
1.22
0.24
0.21
0.63
growth rate 0.0% -80.0% -13.1% 198.6%
Cash From OA 14.94
20.18
11.04
15.05
24.81
40.71
growth rate 35.1% -45.3% 36.3% 64.8% 64.1%
FCF per Share 3.46
2.35
3.80
0.63
4.05
4.71
growth rate -32.1% 61.7% -83.4% 542.9% 16.3%
Sale Purchase of Stock -1.21
2.89
0.89
1.72
1.90
4.03
growth rate 100.0% -69.3% 94.0% 10.4% 112.1%
FCF 13.00
17.00
5.00
14.00
21.00
37.00
47.00
growth rate 30.8% -70.6% 180.0% 50.0% 76.2% 27.0%
Income Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 39.54
68.93
53.37
57.29
93.01
131.06
144.56
growth rate 74.3% -22.6% 7.4% 62.3% 40.9% 10.3%
Op.Income 3.04
16.14
16.58
19.29
35.43
55.68
60.23
growth rate 431.7% 2.7% 16.3% 83.7% 57.1% 8.2%
IBT 4.62
20.01
14.66
17.64
28.07
49.70
54.80
growth rate 332.9% -26.7% 20.4% 59.1% 77.1% 10.3%
Net Income 3.04
16.14
9.95
11.43
18.46
33.15
41.04
growth rate 431.7% -38.4% 14.9% 61.6% 79.6% 23.8%
EPS 0.53
3.80
2.25
2.57
2.37
3.33
4.12
growth rate 617.0% -40.8% 14.2% -7.8% 40.5% 23.7%
Gross Profit 53.37
57.29
93.01
131.06
144.56
growth rate 7.4% 62.3% 40.9% 10.3%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT 13.68
13.37
growth rate -2.3%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 35.82
37.02
growth rate 3.4%
Acct.Payable 2,471.06
2,765.09
2,455.54
2,522.16
growth rate 11.9% -11.2% 2.7%
Cur.Assets 184.27
476.02
145.25
200.14
growth rate 158.3% -69.5% 37.8%
Total Assets 2,932.43
3,223.94
2,922.15
3,000.90
growth rate 9.9% -9.4% 2.7%
Cash 149.93
425.52
97.27
153.76
growth rate 183.8% -77.1% 58.1%
Inventory 1.29
1.37
1.23
1.28
growth rate 5.6% -10.0% 4.2%
Cur.Liabilities 2,490.38
2,782.19
2,473.69
2,545.76
growth rate 11.7% -11.1% 2.9%
Liabilities 2,567.55
2,859.28
2,550.87
2,623.00
growth rate 11.4% -10.8% 2.8%
LT Debt 77.03
77.10
77.18
77.24
growth rate 0.1% 0.1% 0.1%
Equity 364.18
363.99
370.58
377.17
377.17
growth rate -0.1% 1.8% 1.8% 0.0%
Common Shares 0.10
0.10
0.10
0.10
growth rate -1.0% -1.0% 0.0%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures 0.78
0.40
0.41
2.16
growth rate -48.7% 3.5% 421.7%
Cash Dividends
growth rate
Cash From OA 10.76
8.06
11.96
20.54
growth rate -25.1% 48.5% 71.7%
Sale Purchase of Stock 2.79
0.48
0.59
growth rate -82.9% 23.9%
FCF 9.98
7.66
11.55
18.38
growth rate -23.3% 50.8% 59.1%
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 34.68
35.19
35.53
37.25
36.59
growth rate 1.5% 1.0% 4.8% -1.8%
Op.Income 14.21
14.00
14.46
15.51
16.26
growth rate -1.4% 3.3% 7.2% 4.9%
IBT 12.82
12.55
13.08
14.21
14.97
growth rate -2.1% 4.3% 8.6% 5.3%
Net Income 9.10
9.58
9.74
10.86
10.86
growth rate 5.2% 1.7% 11.5% 0.0%
Gross Profit 34.68
35.19
35.53
37.25
36.59
growth rate 1.5% 1.0% 4.8% -1.8%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A+ (91.85)

YOY Growth Grade:

C (65.01)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.83 15.66 12.86
EPS / Growth 12.1% 3.72 7.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 30.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.0% 16.5% 16.5%
Future PE 12.86 19.86 19.86
Future EPS 7.31 17.04 17.04
Value Price
MOS %
23.24
-60.1%
83.67
43.8%
83.67
43.8%
MOS Price 11.62 41.83 41.83
IRT 10.41 7.64 7.64

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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