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Nicolet Bankshares NIC Q3 2025 earnings

Reported October 23, 2025 · After market close

Revenue$102.9MBeat by $5.6M
EPS$2.66Beat by $0.29
Revenue estimate$97.3M
EPS estimate$2.37

Next report

Oct 20, 2026 (In 2 weeks)
Revenue estimate$173.6M
EPS estimate$3.07

Financials

Q3 2025

Income statement

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Revenue$102.9M+13.4%
Net income$41.7M+28.4%
EPS (diluted)$2.73+30.0%

Balance sheet

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Cash & equivalents$474.0M+10.7%
Total debt$134.6M-16.5%
Total equity$1.2B+5.7%
Total assets$9.0B+4.5%

Cash flow

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Operating cash flow$45.9M+15.7%
CapEx--100%
Free cash flow$45.9M+32.1%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$2B+39.9%
Enterprise value$1.66B+42.8%
P/E13.8×+1.9×
P/S5.3×+1.1×

Profitability

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Net margin38.1%+3.4pp
FCF margin40.3%+4.7pp

Returns & leverage

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Return on equity12.3%+0.9pp
Debt / equity0.1×0.0×

Segments

By product

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Wealth management fee income$7.6M+7.7%
Credit and Debit Card$3.8M+5.3%
Deposit Account$2.0M+4.5%

FAQ

When did Nicolet Bankshares report Q3 2025 earnings?
Nicolet Bankshares (NIC) reported Q3 2025 earnings on October 23, 2025 after market close.
What were Nicolet Bankshares's Q3 2025 revenue and EPS?
Nicolet Bankshares reported revenue of $102.9M and eps of $2.66 for Q3 2025.
Did Nicolet Bankshares beat estimates in Q3 2025?
Revenue beat the consensus estimate of $97.3M by $5.6M. EPS beat the consensus estimate of $2.37 by $0.29.
How did Nicolet Bankshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 13.4% from $90.7M a year earlier and eps grew 26.7% from $2.10.
Where can I find Nicolet Bankshares's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001174850-25-000055) and the 10-Q periodic report (0001174850-25-000062) directly on SEC EDGAR. The filing index links above go to sec.gov.