For the quarter ending 2025-09-30, NIC had $51,319K increase in cash & cash equivalents over the period. $45,865K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 41,735 | 68,627 |
| Depreciation, amortization, and accretion | 3,596 | 7,385 |
| Provision for credit losses | 950 | 2,550 |
| Increase in cash surrender value of life insurance | 1,654 | 2,849 |
| Stock-based compensation expense | 1,691 | 3,587 |
| Asset (gains) losses, net | 1,294 | -553 |
| Gain on sale of loans held for sale, net | 3,509 | 3,482 |
| Proceeds from sale of loans held for sale | 99,376 | 106,410 |
| Origination of loans held for sale | 98,227 | 106,465 |
| Net change in accrued interest receivable and other assets | 510 | 1,744 |
| Net change in accrued interest payable and other liabilities | -3,707 | -6,122 |
| Net cash provided by (used in) operating activities | 45,861 | 80,694 |
| Net (increase) decrease in loans | 34,769 | 210,716 |
| Purchases of securities afs | 43,317 | 68,718 |
| Proceeds from sales of securities afs | 8,175 | 1,250 |
| Proceeds from calls and maturities of securities afs | 32,615 | 38,761 |
| Purchases of other investments | 995 | 2,239 |
| Proceeds from sales of other investments | 47 | 4,448 |
| Purchases of boli | 0 | - |
| Net (increase) decrease in premises and equipment | -4 | 1,007 |
| Net (increase) decrease in other real estate and other assets | -134 | -192 |
| Net cash provided by (used in) investing activities | -38,106 | -238,029 |
| Net increase (decrease) in deposits | 69,792 | 137,989 |
| Repayments of long-term borrowings | 0 | 27,400 |
| Purchase and retirement of common stock | 20,525 | 56,036 |
| Cash dividends paid on common stock | 4,726 | 9,156 |
| Proceeds from issuance of common stock | 23 | 56 |
| Proceeds from issuance of common stock in stock-based compensation plans | 2,999 | 5,846 |
| Purchases of common stock in stock-based compensation plans | 3,999 | 7,373 |
| Net cash provided by (used in) financing activities | 43,564 | 43,926 |
| Net increase (decrease) in cash and cash equivalents | 51,319 | -113,409 |
| Cash and cash equivalents at beginning of period | 536,047 | - |
| Cash and cash equivalents at end of period | 473,957 | - |
NICOLET BANKSHARES INC (NIC)
NICOLET BANKSHARES INC (NIC)