NIC PEER ANALYSIS

Nicolet Bankshares Inc. — metric-by-metric comparison with peers and the industry median

NICNicolet Bankshares Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

NICIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	NIC	BFL	BOQ	KLNMA	EQB	BEN	Ind. Median
P/E	18.44	3.25●	41.93	9.99	25.13	—	12.58
P/B	1.09	0.74	0.70●	2.73	1.51	1.02	1.26
EV/EBITDA	4.39	-1.44●	67.48	7.04	54.20	—	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	NIC	BFL	BOQ	KLNMA	EQB	BEN	Ind. Median
Current Ratio	0.15	33.68●	0.05	—	0.09	0.03	0.31
Debt/Equity	8.0%	9.1%	258.4%	0.0%●	496.5%	142.6%	38.0%
NetDebt/EBITDA	-9.49●	-3.30	49.89	-0.00	40.36	—	-0.58

Profitability
Metric	NIC	BFL	BOQ	KLNMA	EQB	BEN	Ind. Median
Net Margin	25.4%	30.2%	2.0%	58.1%●	6.6%	—	20.6%
ROE	7.7%	24.2%	1.6%	34.1%●	6.1%	—	10.9%
ROA	1.1%	2.9%	0.1%	5.4%●	0.4%	—	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	NIC	BFL	BOQ	KLNMA	EQB	BEN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	3.4%	—	-67.9%	42.3%●	-49.0%	—	19.4%
Div. Yield	0.8%	22.6%●	6.5%	—	1.6%	6.1%	2.5%
Payout	15.9%	68.7%	256.1%	—	43.2%	—	31.4%

Valuation
Metric	NIC	BLX	NBTB	EFSC	FBNC	BUSE	Ind. Median
P/E	18.44	10.57●	13.98	11.89	21.23	11.87	12.58
P/B	1.09	1.43	1.34	1.18	1.53	1.06●	1.26
EV/EBITDA	4.39	19.24	9.82	8.52	3.31●	9.58	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	NIC	BLX	NBTB	EFSC	FBNC	BUSE	Ind. Median
Current Ratio	0.15	0.27	1.29	—	1,717.54●	0.73	0.31
Debt/Equity	8.0%	255.0%	8.4%	20.4%	5.3%●	27.5%	38.0%
NetDebt/EBITDA	-9.49	8.84	0.04	0.52	-12.18●	1.55	-0.58

Profitability
Metric	NIC	BLX	NBTB	EFSC	FBNC	BUSE	Ind. Median
Net Margin	25.4%	38.7%●	19.7%	21.0%	21.8%	19.2%	20.6%
ROE	7.7%	15.0%●	10.6%	10.3%	7.6%	9.4%	10.9%
ROA	1.1%	1.8%●	1.2%	1.2%	1.0%	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	NIC	BLX	NBTB	EFSC	FBNC	BUSE	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	3.4%	12.2%	27.9%	3.1%	38.9%	274.5%●	19.4%
Div. Yield	0.8%	4.4%●	2.9%	1.9%	1.4%	3.4%	2.5%
Payout	15.9%	44.0%	41.3%	25.1%	31.1%	48.3%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.