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Nicolet Bankshares (NIC) guidance and outlook

Nicolet Bankshares' 10-Q filed Oct 30, 2026 makes 9 forward-looking statements.

Guidance and outlook

9 statements; tone -0.11 (−1 all cautious, +1 all confident); 1 hedged.

Forward-looking statements, 10-Q filed Oct 30, 2026

The decision of management to include performing loans in potential problem loans does not necessarily mean that Nicolet expects losses to occur, but that management recognizes a higher degree of risk associated with these loans.
As of September 30, 2026, management believed that adequate liquidity existed to meet all projected cash flow obligations.
Management is committed to the Parent Company being a source of strength to the Bank and its other subsidiaries, and therefore, regularly evaluates capital and liquidity positions of the Parent Company in light of current and projected needs, growth or strategies.
Management does not believe that regulatory restrictions on dividends from the Bank will adversely affect its ability to meet its cash obligations.
Management intends to maintain an optimal capital and leverage mix for growth and shareholder return.
Nicolet considers accounting estimates to be critical to reported financial results if the accounting estimate requires management to make assumptions about matters that are highly uncertain and different estimates that management reasonably could have used for the accounting estimate in the current period, or changes in the accounting estimate that are reasonably likely to occur from period to period, could have…
Under the current expected credit losses (“CECL”) guidance, management has flexibility in selecting the methodology for estimating expected credit losses, which must be calculated over the asset’s contractual term, and adjusted for prepayments or curtailments, utilizing quantitative and qualitative factors.
Management uses complex models to forecast future economic conditions based on specific macroeconomic variables for each loan pool.
Other internal and external indicators of economic forecasts are also considered by management when developing the forecast metrics.

Nicolet Bankshares' latest quarter

Nicolet Bankshares, Q3 2026: revenue $174M (+70% year over year), operating margin 46.5%, net earnings $63.7M, operating cash flow $72.7M. The chart follows the revenue to costs, profit and cash.

Questions

What does Nicolet Bankshares expect?

The decision of management to include performing loans in potential problem loans does not necessarily mean that Nicolet expects losses to occur, but that management recognizes a higher degree of risk associated with these loans. As of September 30, 2026, management believed that adequate liquidity existed to meet all projected cash flow obligations. Management is committed to the Parent Company being a source of strength to the Bank and its other subsidiaries, and therefore, regularly evaluates capital and liquidity positions of the Parent Company in light of current and projected needs, grow

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.