For the year ending 2025-12-31, NIC had $124,185K increase in cash & cash equivalents over the period. $149,443K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 150,686 |
| Depreciation, amortization and accretion | 14,988 |
| Provision for credit losses | 4,250 |
| Provision for deferred taxes | -4,641 |
| Increase in cash surrender value of life insurance | 6,014 |
| Stock-based compensation expense | 7,340 |
| Assets (gains) losses, net | 1,163 |
| Gain on sale of loans held for sale, net | 10,526 |
| Proceeds from sale of loans held for sale | 304,395 |
| Origination of loans held for sale | 303,623 |
| Net change in accrued interest receivable and other assets | 5,195 |
| Net change in accrued interest payable and other liabilities | -3,038 |
| Net cash provided by (used in) operating activities | 153,535 |
| Purchases of securities afs | 140,392 |
| Proceeds from sales of securities afs | 10,950 |
| Proceeds from sales of securities htm | 0 |
| Proceeds from calls, paydowns, and maturities of securities afs | 107,163 |
| Proceeds from calls, paydowns, and maturities of securities htm | 0 |
| Net (increase) decrease in loans | 206,713 |
| Purchases of other investments | 4,925 |
| Proceeds from sales, paydowns, and maturities of other investments | 4,530 |
| Purchases of premises and equipment | 4,092 |
| Proceeds from sales of premises and equipment | 2,324 |
| Net (increase) decrease in other real estate | -406 |
| Purchase of boli | 0 |
| Proceeds from redemption of boli | 0 |
| Net cash provided by (used in) investing activities | -230,749 |
| Net increase (decrease) in deposits | 327,087 |
| Net increase (decrease) in short-term borrowings | 0 |
| Repayments of long-term borrowings | 27,400 |
| Purchase and retirement of common stock | 76,561 |
| Cash dividends paid on common stock | 18,659 |
| Proceeds from issuance of common stock, net | 101 |
| Proceeds from issuance of common stock in stock-based compensation plans | 9,560 |
| Purchases of common stock in stock-based compensation plans | 12,729 |
| Net cash provided by (used in) financing activities | 201,399 |
| Net increase (decrease) in cash and cash equivalents | 124,185 |
| Beginning cash and cash equivalents | 536,047 |
| Ending cash and cash equivalents | 660,232 |
NICOLET BANKSHARES INC (NIC)
NICOLET BANKSHARES INC (NIC)