NICOLET BANKSHARES INC

Operating margin

—

Net margin

—

Return on equity

12.0%

Return on assets

1.6%

Return on capital (ROCE)

—

Liabilities / assets

86.3%

Debt / equity

6.30×

Book value / share

$82.42

Revenue growth (YoY)

—

Net income growth (YoY)

21.5%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Accruals / assets

−0.0%clean

Piotroski F-Score

5/6mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

• Shareholder voteMay 18, 2026
• Results of operations · Regulation FD disclosureApr 21, 2026
• Completed an acquisition or disposition · Director / officer change · Regulation FD disclosureFeb 20, 2026
• Director / officer change · Shareholder vote · Regulation FD disclosureJan 26, 2026
• Results of operations · Regulation FD disclosure · Other material eventJan 20, 2026
• Other material eventDec 22, 2025
• Regulation FD disclosureNov 25, 2025
• Entered a material agreement · Regulation FD disclosureOct 23, 2025

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.