Nicolet Bankshares Inc. (NIC) — Cash Flow Quality Index
Nicolet Bankshares Inc. (NIC) has a Cash Flow Quality Index of 1.52x as of June 2026. Operating cash flow of $109.69 Million exceeds net income of $72.10 Million, indicating high earnings quality where cash backs reported profits. Explore NIC cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Nicolet Bankshares Inc. Cash Flow Quality Index (2012–2025)
Historical Cash Flow Quality Index for Nicolet Bankshares Inc. across 14 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash efficiency ratio of Nicolet Bankshares Inc..
Annual Cash Flow Quality Index for Nicolet Bankshares Inc. (2012–2025)
Year-by-year earnings quality comparison for Nicolet Bankshares Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.02x | $153.53 Million | $150.69 Million | ▼ -5.5% |
| 2024 | 1.08x | $133.75 Million | $124.06 Million | ▼ -38.6% |
| 2023 | 1.76x | $107.97 Million | $61.52 Million | ▲ +40.9% |
| 2022 | 1.25x | $117.40 Million | $94.26 Million | ▼ -22.6% |
| 2021 | 1.61x | $97.65 Million | $60.65 Million | ▲ +23.4% |
| 2020 | 1.30x | $78.90 Million | $60.47 Million | ▲ +23.4% |
| 2019 | 1.06x | $58.14 Million | $54.99 Million | ▼ -14.3% |
| 2018 | 1.23x | $50.99 Million | $41.35 Million | ▲ +1.3% |
| 2017 | 1.22x | $40.71 Million | $33.43 Million | ▼ -8.2% |
| 2016 | 1.33x | $24.81 Million | $18.69 Million | ▲ +1.9% |
| 2015 | 1.30x | $15.05 Million | $11.55 Million | ▲ +18.6% |
| 2014 | 1.10x | $11.04 Million | $10.05 Million | ▼ -12.0% |
| 2013 | 1.25x | $20.18 Million | $16.17 Million | ▼ -74.2% |
| 2012 | 4.83x | $14.94 Million | $3.09 Million | — |