---
title: "Nicolet Bankshares | 10-Q: FY2025 Q2 EPS Beats Estimate at USD 2.34"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/251248452.md"
published_at: "2025-08-01T20:18:56.000Z"
---

# Nicolet Bankshares | 10-Q: FY2025 Q2 EPS Beats Estimate at USD 2.34

EPS: As of FY2025 Q2, the actual value is USD 2.34, beating the estimate of USD 2.18.

EBIT: As of FY2025 Q2, the actual value is USD 44.

### Segment Revenue

-   **Interest Income**: $230.4 million for the six months ended June 30, 2025, compared to $212.9 million for the same period in 2024.
-   **Noninterest Income**: $38.9 million for the six months ended June 30, 2025, compared to $39.0 million for the same period in 2024.

### Operational Metrics

-   **Net Interest Income**: $146.3 million for the six months ended June 30, 2025, compared to $128.1 million for the same period in 2024.
-   **Provision for Credit Losses**: $2.6 million for the six months ended June 30, 2025, compared to $2.1 million for the same period in 2024.
-   **Net Income**: $68.6 million for the six months ended June 30, 2025, compared to $57.1 million for the same period in 2024.

### Cash Flow

-   **Operating Cash Flow**: $80.7 million for the six months ended June 30, 2025, compared to $60.7 million for the same period in 2024.
-   **Free Cash Flow**: Operating cash flow and investing activities indicate a net cash used in investing activities of -$238.0 million for the six months ended June 30, 2025.

### Unique Metrics

-   **Nonperforming Assets**: $29 million, representing 0.32% of total assets at June 30, 2025, compared to $29 million or 0.33% of total assets at December 31, 2024.

### Future Outlook and Strategy

#### Core Business Focus

-   **Loan Growth**: Focus on commercial and industrial loans, with loans increasing by $213 million from December 31, 2024 to June 30, 2025.
-   **Deposit Growth**: Total deposits increased by $138 million from December 31, 2024 to June 30, 2025, with growth in interest-bearing demand and time deposits.

#### Priority

-   **Net Interest Margin Improvement**: Net interest margin was 3.65% for the six months ended June 30, 2025, compared to 3.37% for the same period in 2024.
-   **Operational Efficiency**: Noninterest expense increased by $4 million (4%) from the first six months of 2024, indicating a focus on managing operational costs.

### Related Stocks

- [NIC.US - Nicolet Bankshares](https://longbridge.com/en/quote/NIC.US.md)

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> **Disclaimer**: This article is for reference only and does not constitute any investment advice.
