NICOLET BANKSHARES INC (NIC)
National Commercial Banks · Financial Services · $3.1B
Intrinsic Value (Consensus)
$167.98
Current Price
$147.04
Margin of Safety
+14.2%
14.2% Below Intrinsic Value
Value: $168
Price: $147
Valuation Model Estimates
Current Price: $147.04
DCF (Discounted Cash Flow)
$328.76
Graham Number
$113.94
Earnings Power Value
$94.95
Relative Value (P/E)
$195.60
Dividend Discount Model
$106.67
Consensus Value
$167.98
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
67
Profitability
18/25
Strength
24/25
Valuation
15/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $9.78
- EPS (Forward)
- $11.74
- Book Value
- $59.00
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 12.0%
- Debt/Equity
- 11%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.2%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance