Nicolet Bankshares, Inc. cash flow to debt ratio of 113.85% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Nicolet Bankshares, Inc.'s free cash flow has increased 27.48% from $117.23M last year to $149.44M, signaling increasing performance

Nicolet Bankshares, Inc.'s debt to equity ratio is 0.04, which means that the company's assets are healthy financed, signaling financial stability.

Nicolet Bankshares, Inc.'s debt has decreased relative to shareholder equity from 0.14 last year to 0.04 today, signaling strengthened financials

Nicolet Bankshares, Inc. has a net cash position, so leverage is healthy.

Nicolet Bankshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Nicolet Bankshares, Inc.'s profit margin has increased (23.62%) in the last year from 23.88% to 29.53%, signaling increasing performance

Nicolet Bankshares, Inc.'s short-term assets of $7.44B exceed its short-term liabilities of $1.47M

Nicolet Bankshares, Inc.'s return on assets of 1.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

Nicolet Bankshares, Inc.'s return on equity of 8.81%, is lower than 15.00%, indicating bad performance

Nicolet Bankshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Nicolet Bankshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Nicolet Bankshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Nicolet Bankshares, Inc. has a free cash flow yield of 4.99%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Nicolet Bankshares, Inc.'s yearly earnings has increased 21.46% since last year from $124.06M to $150.69M, signaling increasing performance

Nicolet Bankshares, Inc.'s yearly revenue has increased 6.39% since last year from $519.42M to $552.61M, signaling increasing performance

ROIC 1.00% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Nicolet Bankshares, Inc.'s 3-year revenue CAGR of 18.50% is positive, indicating growing revenue over the past 3 years

Nicolet Bankshares, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Nicolet Bankshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Nicolet Bankshares, Inc. is undervalued relative to its fair value price of 212.16 based on Discounted Cash Flow model

Nicolet Bankshares, Inc. has an earnings yield of 6.01%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Nicolet Bankshares, Inc. is overvalued relative to its fair value price of 122.44 based on EBITDA multiple model

Nicolet Bankshares, Inc. has an EV/EBITDA ratio of 9.63x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Nicolet Bankshares, Inc. is undervalued relative to its fair value price of 222.91 based on Earnings Fair Value model

Nicolet Bankshares, Inc. has a PEG-ratio over 1 which is considered overvalued

Nicolet Bankshares, Inc. has a price-to-book ratio of 1.13x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Nicolet Bankshares, Inc. has a price-to-sales ratio of 4.91x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue