MARKET WIREReuters • 2h ago
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Why NIC Stock advanced +0.89% Today — RQD Quant Desk Flash
$172.52 +0.89% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $172.47
Nicolet Bankshares Inc. (NIC) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
ROARABLE C+ • HOLD / WATCH
Cap $3.62B
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Click Any Pre-Computed AI Quant Specialist Briefing on NIC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is NIC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-01, Nicolet Bankshares Inc. (NYSE: NIC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $172.52 (+0.89% 1D, market cap $3.62B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, NIC ranks #218 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does NIC compare to FIBK and RNST in the Financials sector?
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Within the Financials sector (Major Banks), NIC carries a Roarable C+ (68/100 RQD), trailing P/E of 24.0x, gross margin of —, and ROIC of 12.0%. By comparison, FIBK (First Interstate BancSystem Inc.) holds a C+ grade (68/100 RQD, P/E 12.0x, ROIC 8.8%, cap $3.62B) and RNST (Renasant Corporation) posts a C+ grade (67/100 RQD, P/E 20.3x, ROIC 4.7%, cap $3.68B). Among the 5-stock peer group, FIBK leads on earnings multiple (12.0x) while BANF leads on capital efficiency (13.0% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for NIC?
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Per NIC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001174850), Nicolet Bankshares Inc. generated $0 in revenue, $150.7M in net income, and $149.4M in free cash flow against $9.19B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $172.47 (-0.03%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 3.7% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERHOLD / WATCH • C+
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw C+ · Rk B-
Each axis scored 0–20
12M PRICE TARGET CONE+4.5% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NIC)Realized 20D OHLCV Swing Band: ±4.7%
Deterministic 5-Pillar Attribution (68/100 Composite)
🔍 WHY NIC SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (22% of score)
FRED Regime × Technicals: 88% of 52W Range • RSI-14 at 59.4 (BULLISH MOMENTUM)
▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C$162.79+0.6% Next Q
60
Q2 (-2Q)Grade C+$163.80+4.6% Next Q
63
Q3 (-1Q)Grade C+$171.41+0.6% Next Q
65
CurrentGrade C+$172.52+1.8% Hist 90D α
68
Trajectory: C (60) → C+ (68)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the NIC Bull Thesis Could Fail
Even with a 68/100 (C+) score, NIC faces multiple-compression risk if 24.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($167.90) or 200D SMA ($157.08) invalidates the momentum regime and cuts Target Base ($180.28) toward Bear Floor ($140.62).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $NIC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NIC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why NIC Stock advanced +0.89% Today — RQD Quant Desk Flash
Nicolet Bankshares Inc. (NIC) advanced +0.89% to $172.52, trading at 88% of its 52-week range ($117.54 – $180). Solid steady margins (12% return on capital), mixed timing at 24x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 88% of its 52-week range ($117.54 – $180) with RSI-14 at 59.4 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.7% around $172.52 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $149.4M annual free cash flow.
Live NIC Headlines & Catalysts
MARKET WIREReuters • 3h ago
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MARKET WIREReuters • 6h ago
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MARKET WIRECNBC • 8h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
MARKET WIRECNBC • 8h ago
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RISK WATCHReuters • 9h ago
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MARKET WIREReuters • 11h ago
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Scheduled RQD Strong Buys & Whale Accumulation Briefing (NIC Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
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NIC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.78%⚡ TESTING RESISTANCE
2026-10-30O $173.3H $173.8L $171.0C $172.5VOL 127.3K
RES: $174.4SUP: $159.3SMA50: $167.9SMA200: $157.1
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
NIC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
17.8%/yr Implied 5Y Growth
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on NIC today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for NIC. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NIC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NIC)
Financials Rank #218 of 1096
⚔️ FIBK vs NIC Full Matrix →
1. Head-to-Head Financials Peer Comparison (NIC vs. FIBK, RNST, WSBC, BANF)
Industry: Major Banks (248 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Nicolet Bankshares Inc. (NIC) ranks #218 by composite RQD confidence (68/100, grade C+) and #325 by equity capitalization ($3.62B). Within this direct 5-issuer industry benchmark cohort, FIBK leads on earnings valuation at 12.0x trailing P/E, while BANF leads on capital efficiency and profitability with 13.0% ROIC and — gross margin. BANF currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with NIC at 68/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| NIC
ACTIVE
Nicolet Bankshares Inc. | C+ | 68/100 | 24.0x | — | 12.0% | +0.89% | $3.62B | Benchmark Subject |
| FIBK First Interstate BancSystem Inc. | C+ | 68/100 | 12.0x | — | 8.8% | +1.04% | $3.62B | /fibk-vs-nic → |
| RNST Renasant Corporation | C+ | 67/100 | 20.3x | — | 4.7% | +0.17% | $3.68B | /rnst-vs-nic → |
| WSBC WesBanco Inc. | C+ | 69/100 | 16.7x | — | 5.5% | +0.99% | $3.73B | /wsbc-vs-nic → |
| BANF BancFirst Corporation | B- | 71/100 | 15.6x | — | 13.0% | +0.68% | $3.74B | /banf-vs-nic → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001174850In its most recent audited fiscal period (FY2025, filed 2025-12-31), Nicolet Bankshares Inc. (NIC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $150.7M, operating cash flow of $153.5M, and free cash flow of $149.4M (+27.9% YoY). On the balance sheet, NIC closed FY2025 with $9.19B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $150.7M | $153.5M | $149.4M | $9.19B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $124.1M | $133.7M | $116.8M | $8.80B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $61.5M | $108.0M | $108.0M | — | — |
3. NIC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs NIC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, Nicolet Bankshares Inc. (NYSE: NIC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $172.52 (+0.89% 1D, market cap $3.62B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, NIC ranks #218 in composite RQD confidence.
How does NIC compare to FIBK and RNST in the Financials sector?
Within the Financials sector (Major Banks), NIC carries a Roarable C+ (68/100 RQD), trailing P/E of 24.0x, gross margin of —, and ROIC of 12.0%. By comparison, FIBK (First Interstate BancSystem Inc.) holds a C+ grade (68/100 RQD, P/E 12.0x, ROIC 8.8%, cap $3.62B) and RNST (Renasant Corporation) posts a C+ grade (67/100 RQD, P/E 20.3x, ROIC 4.7%, cap $3.68B). Among the 5-stock peer group, FIBK leads on earnings multiple (12.0x) while BANF leads on capital efficiency (13.0% ROIC).
What are the biggest fundamental strengths and SEC risk factors for NIC?
Per NIC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001174850), Nicolet Bankshares Inc. generated $0 in revenue, $150.7M in net income, and $149.4M in free cash flow against $9.19B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is NIC trading relative to its 50-day, 200-day, and 52-week technical levels?
NIC last traded at $172.52 (+0.89% on volume of 158,482 shares), positioning the stock +2.75% above its 50-day simple moving average ($167.90) and +9.83% above its 200-day simple moving average ($157.08). Across its 52-week range of $117.54 to $180.00, NIC sits at the 88.0% percentile with a 14-day RSI of 59.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.7% ($164.41 to $180.63).
NIC Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is NIC stock moving today?
Why NIC Stock advanced +0.89% Today — RQD Quant Desk Flash. Solid steady margins (12% return on capital), mixed timing at 24x P/E—hold if owned, no rush to chase.