Demonstrações financeiras detalhadas de Nicolet Bankshares, Inc. (NIC): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Nicolet Bankshares, Inc. registou receitas de $552.6M no último exercício, com um CAGR de 5 anos de 21.0%. O lucro líquido atingiu $150.7M, com CAGR de 5 anos de 20.2%.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $102.1M | $143.3M | $165.0M | $192.4M | $213.1M | $239.1M | $332.1M | $416.9M | $519.4M | $552.6M |
| Custo da Receita | $9.1M | $12.8M | $20.5M | $23.7M | $30.2M | $28.5M | $45.5M | $144.0M | $174.2M | $168.7M |
| Lucro Bruto | $93.0M | $130.5M | $144.5M | $168.7M | $182.9M | $210.5M | $286.6M | $272.9M | $345.3M | $383.9M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $43.9M | $57.9M | $64.3M | $70.1M | $63.2M | $78.1M | $99.1M | $110.9M | $120.7M | $151.9M |
| Despesas Operacionais | $64.9M | $80.8M | $89.7M | $97.2M | $102.0M | $129.4M | $160.9M | $186.2M | $190.1M | $196.9M |
| Lucro Operacional | $28.1M | $49.7M | $54.8M | $71.1M | $80.9M | $81.1M | $125.7M | $86.6M | $155.1M | $187.0M |
| EBITDA | $33.2M | $56.8M | $61.1M | $78.8M | $91.6M | $95.0M | $147.7M | $105.0M | $172.1M | $201.9M |
| Despesas com Juros | $7.3M | $10.5M | $18.9M | $22.5M | $19.9M | $13.6M | $34.0M | $141.3M | $170.3M | $164.5M |
| Lucro Antes de Impostos | $28.1M | $49.7M | $54.8M | $71.4M | $80.9M | $81.1M | $125.7M | $86.6M | $155.1M | $187.0M |
| Imposto | $9.4M | $16.3M | $13.4M | $16.5M | $20.5M | $20.5M | $31.5M | $25.1M | $31.1M | $36.3M |
| Lucro Líquido | $18.5M | $33.1M | $41.0M | $54.6M | $60.1M | $60.7M | $94.3M | $61.5M | $124.1M | $150.7M |
| LPA | $2.49 | $3.51 | $4.26 | $5.71 | $5.82 | $5.65 | $6.78 | $4.17 | $8.24 | $10.06 |
| LPA Diluído | $2.37 | $3.33 | $4.12 | $5.52 | $5.70 | $5.44 | $6.56 | $4.08 | $8.05 | $9.78 |
| Ações em Circulação (Diluídas) | $7.5M | $10.0M | $10.0M | $9.9M | $10.5M | $11.1M | $14.4M | $15.1M | $15.4M | $15.4M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $132.4M | $155.9M | $250.5M | $201.4M | $832.4M | $617.2M | $167.2M | $497.8M | $537.0M | $660.2M |
| Investimentos de Curto Prazo | $365.3M | $405.2M | $400.1M | $449.3M | $539.3M | $921.7M | $917.6M | $802.6M | $806.4M | $523.9M |
| Contas a Receber | $33.1M | $35.8M | $34.4M | $39.5M | $55.5M | $113.4M | $138.0M | $133.7M | 0 | $6.77B |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $530.7M | $596.9M | $685.1M | $690.1M | $1.43B | $1.65B | $1.22B | $1.30B | $1.34B | $7.44B |
| Imobilizado | $45.9M | $47.2M | $48.2M | $56.5M | $59.9M | $94.6M | $109.0M | $118.8M | $127.0M | $120.5M |
| Ágio | $66.7M | $107.4M | $107.4M | $151.2M | $163.2M | $317.2M | $367.4M | $367.4M | $367.4M | $367.4M |
| Ativos Intangíveis | $21.2M | $21.0M | $16.9M | $14.8M | $12.2M | $22.3M | $35.1M | $27.0M | $20.8M | $15.0M |
| Ativos Totais | $2.30B | $2.93B | $3.10B | $3.58B | $4.55B | $7.70B | $8.76B | $8.47B | $8.80B | $9.19B |
| Contas a Pagar | $16.9M | $18.4M | $17.7M | $38.2M | $48.3M | $68.7M | $70.2M | 0 | 0 | $7.73B |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | $317.0M | 0 | 0 | 0 |
| Passivos Circulantes | $2.00B | $2.51B | $2.63B | $2.99B | $3.96B | $6.53B | $7.57B | $7.20B | $7.40B | $1.5M |
| Dívida de Longo Prazo | $37.6M | $78.0M | $77.3M | $67.6M | $53.9M | $216.9M | $225.3M | $166.9M | $161.4M | $134.9M |
| Passivos Totais | $2.02B | $2.57B | $2.71B | $3.06B | $4.01B | $6.80B | $7.79B | $7.43B | $7.62B | $7.93B |
| Reservas | $68.9M | $102.4M | $144.4M | $199.0M | $253.0M | $313.6M | $407.9M | $458.3M | $565.8M | $697.8M |
| Patrimônio Líquido | $275.9M | $364.2M | $386.6M | $516.3M | $539.2M | $891.9M | $972.5M | $1.04B | $1.17B | $1.26B |
| Dívida Total | $37.6M | $78.0M | $77.3M | $67.6M | $53.9M | $216.9M | $542.3M | $166.9M | $161.4M | $134.9M |
| Dívida Líquida | -$460.0M | -$483.1M | -$573.4M | -$583.0M | -$1.32B | -$1.32B | -$542.5M | -$1.13B | -$1.18B | -$1.05B |
| Capital de Giro | -$1.47B | -$1.91B | -$1.95B | -$2.30B | -$2.53B | -$4.88B | -$6.34B | -$5.90B | -$6.06B | $7.44B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $18.7M | $33.4M | $41.4M | $55.0M | $60.5M | $60.7M | $94.3M | $61.5M | $124.1M | $150.7M |
| Depreciação e Amortização | $5.1M | $7.1M | $6.3M | $7.3M | $10.7M | $13.9M | $21.9M | $18.4M | $17.0M | $15.0M |
| Compensação em Ações | $1.6M | $3.1M | $4.9M | $5.0M | $5.7M | $7.3M | $7.0M | $6.4M | $6.6M | $7.3M |
| Variação Capital de Giro | -$1.7M | -$6.7M | -$424000 | $6.1M | $12.7M | -$9.5M | -$210000 | -$10.6M | -$9.2M | -$2.2M |
| Fluxo de Caixa Operacional | $24.8M | $40.7M | $51.0M | $58.1M | $78.9M | $97.7M | $117.4M | $108.0M | $133.7M | $153.5M |
| CapEx | -$4.0M | -$2.0M | -$4.3M | -$4.4M | -$10.8M | -$12.8M | -$12.2M | -$18.2M | -$16.5M | -$4.1M |
| Aquisições | $66.5M | $9.1M | 0 | $7.3M | -$21.8M | $367.8M | $119.6M | 0 | 0 | 0 |
| Recompra de Ações | -$17.4M | -$15.0M | -$22.7M | -$28.5M | -$42.1M | -$62.6M | -$61.5M | -$1.5M | -$10.1M | -$89.3M |
| Dividendos Pagos | -$633000 | -$633000 | 0 | 0 | 0 | 0 | 0 | -$11.1M | -$16.5M | -$18.7M |
| Fluxo de Caixa Livre | $20.8M | $38.7M | $46.7M | $53.7M | $68.1M | $84.9M | $105.2M | $89.8M | $117.2M | $149.4M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +40.3% | +15.1% | +16.6% | +10.8% | +12.2% | +38.9% | +25.5% | +24.6% | +6.4% |
| Crescimento Lucro Líquido (anual) | | +79.6% | +23.8% | +33.2% | +10.0% | +0.9% | +55.4% | -34.7% | +101.7% | +21.5% |
| Crescimento LPA (anual) | | +41.0% | +21.4% | +34.0% | +1.9% | -2.9% | +20.0% | -38.5% | +97.6% | +22.1% |
| Variação de Ações (anual) | | +32.5% | -0.0% | -0.6% | +6.5% | +5.7% | +29.0% | +4.8% | +2.3% | -0.1% |
| Crescimento FCF (anual) | | +86.4% | +20.8% | +15.0% | +26.7% | +24.6% | +23.9% | -14.6% | +30.6% | +27.5% |
| Margem Bruta | 91.1% | 91.0% | 87.6% | 87.7% | 85.8% | 88.1% | 86.3% | 65.5% | 66.5% | 69.5% |
| Margem Operacional | 27.5% | 34.7% | 33.2% | 37.0% | 38.0% | 33.9% | 37.9% | 20.8% | 29.9% | 33.8% |
| Margem EBITDA | 32.5% | 39.6% | 37.0% | 40.9% | 43.0% | 39.7% | 44.5% | 25.2% | 33.1% | 36.5% |
| Margem Líquida | 18.1% | 23.1% | 24.9% | 28.4% | 28.2% | 25.4% | 28.4% | 14.8% | 23.9% | 27.3% |
| Margem FCF | 20.3% | 27.0% | 28.3% | 27.9% | 32.0% | 35.5% | 31.7% | 21.5% | 22.6% | 27.0% |
| Taxa Efetiva de Imposto | 33.4% | 32.7% | 24.5% | 23.0% | 25.3% | 25.2% | 25.0% | 29.0% | 20.0% | 19.4% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.76 | $3.89 | $4.69 | $5.43 | $6.46 | $7.61 | $7.32 | $5.96 | $7.60 | $9.70 |
| Dividendo por Ação | $0.08 | $0.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.74 | $1.07 | $1.21 |
| Ações em Circulação (Básicas) | $7.2M | $9.4M | $9.6M | $9.6M | $10.3M | $10.7M | $13.9M | $14.7M | $15.0M | $15.0M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 8.81% |
| Retorno sobre capital investido | 1.00% |
| Retorno sobre ativos | 1.00% |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.15 | 15.60 | 11.46 | 12.93 | 11.40 | 15.18 | 11.77 | 19.30 | 12.73 | 12.06 |
| P/VP | 1.24 | 1.42 | 1.22 | 1.37 | 1.27 | 1.03 | 1.14 | 1.14 | 1.35 | 1.44 |
| P/V | 3.34 | 3.61 | 2.85 | 3.67 | 3.22 | 3.85 | 3.34 | 2.85 | 3.04 | 3.29 |
| Margem Bruta | 91.1% | 91.0% | 87.6% | 87.7% | 85.8% | 88.1% | 86.3% | 65.5% | 66.5% | 69.5% |
| Margem Operacional | 27.5% | 34.7% | 33.2% | 37.0% | 38.0% | 33.9% | 37.9% | 20.8% | 29.9% | 33.8% |
| Margem Líquida | 18.1% | 23.1% | 24.9% | 28.4% | 28.2% | 25.4% | 28.4% | 14.8% | 23.9% | 27.3% |