Tue, Apr 29, 8:22 PM (24 days ago)
**Nicolet Bankshares, Inc. (NICOLET) - Q1 2025 Financial Summary** **Financial Health & Performance:** - **Revenue:** $112.7 million (up 8.4% YoY) - **Net Income:** $32.6 million (up 17.6% YoY) - **Earnings per Share (EPS):** $2.14 (up 15.6% YoY) - **Profit Margins:** Net interest margin at 3.58% (up 25 bps YoY) - **Cash Flow:** $41.8 million (up 79.2% YoY) **Key Metrics:** - **Loans:** $6.7 billion (up 2% QoQ) - **Deposits:** $7.6 billion (up 2% QoQ) - **Allowance for Credit Losses:** $67.5 million (up 1.5% QoQ) - **Nonperforming Assets:** $29.3 million (stable QoQ) **Trends & Uncertainties:** - **Loan Growth:** Driven by commercial and industrial loans. - **Deposit Growth:** Includes brokered and customer deposits. - **Interest Rate Sensitivity:** Net interest income stable with favorable rates and volumes. - **Credit Quality:** Stable with a slight increase in provision for credit losses. **Future Operations Impact:** - **Strategic Growth:** Continued focus on organic loan growth and deposit strategies. - **Capital Management:** Strong capital position with opportunities for share repurchases and strategic investments. - **Risk Management:** Ongoing monitoring of credit risk, liquidity, and interest rate sensitivity. **Ticker:** NIC **Market Position:** Nicolet Bankshares, Inc. operates primarily in Wisconsin, Michigan, and Minnesota, focusing on traditional banking and wealth management services. The company's strategic initiatives include loan growth, deposit management, and capital optimization to drive future performance.