Group 1 - Grupo Aval Acciones y Valores S.A. (AVAL) has shown a year-to-date performance increase of approximately 24.2%, outperforming the average gain of 18.3% in the Finance sector [4] - The Zacks Rank for Grupo Aval is currently 2 (Buy), indicating a favorable outlook based on earnings estimate revisions [3] - The Zacks Consensus Estimate for AVAL's full-year earnings has increased by 2.1% over the past three months, reflecting improved analyst sentiment [4] Group 2 - Grupo Aval is part of the Financial - Investment Management industry, which has seen an average loss of 15.1% this year, indicating that AVAL is performing better than its industry peers [6] - In comparison, Nicolet Bankshares (NIC), another stock in the Finance sector, has a year-to-date return of 18.4% and a Zacks Rank of 1 (Strong Buy) [5] - The Banks - Northeast industry, to which Nicolet Bankshares belongs, has gained 11.5% this year, ranking 53 among 74 stocks [6]

Core Viewpoint - Nicolet Bankshares Inc. (NIC) is showing potential for a bullish breakout as it has reached a key support level and formed a "golden cross" in its moving averages [1][2]. Technical Analysis - A "golden cross" occurs when a short-term moving average (50-day) crosses above a long-term moving average (200-day), indicating a potential bullish trend [2]. - The formation of a golden cross typically follows three stages: a downtrend that bottoms out, the crossover of moving averages, and subsequent upward price momentum [3]. Performance Metrics - NIC shares have increased by 16.7% over the past four weeks, indicating positive momentum [4]. - The company holds a 1 (Strong Buy) rating on the Zacks Rank, suggesting strong investor confidence and potential for further gains [4]. Earnings Expectations - Recent earnings estimate revisions show one upward change with no downward revisions in the last 60 days, contributing to a bullish outlook [4]. - The Zacks Consensus Estimate for NIC has also increased, reinforcing the positive sentiment around the stock [4][5].

On January 20, Nicolet Bankshares, Inc. ( NIC ) released its Q4 2025 financial report that included record net income for the bank holding company. For the full year, NIC earned $151 million, 21.7% more than in 2024. The companyI have been involved in the financial world for over 20 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for p ...

On January 20, Nicolet Bankshares, Inc. ( NIC ) released its Q4 2025 financial report that included record net income for the bank holding company. For the full year, NIC earned $151 million, 21.7% more than in 2024. The companyI have been involved in the financial world for over 20 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for p ...

Exhibit 99.1 https://files.reportify.cc/med FOR IMMEDIATE RELEASE . NICOLET BANKSHARES, INC. ANNOUNCES RECORD EARNINGS Green Bay, Wisconsin, January 20, 2026 - Nicolet Bankshares, Inc. (NYSE: NIC) ("Nicolet") announced record net income of $151 million and earnings per diluted common share of $9.78 for full year 2025, compared to net income of $124 million and earnings per diluted common share of $8.05 for full year 2024. Net income for fourth quarter 2025 was $40 million and earnings per diluted common sha ...

The market expects Nicolet Bankshares (NIC) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended December 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report. On the other hand, if th ...

Core Viewpoint - The proposed sale of MidWestOne Financial Group, Inc. to Nicolet Bankshares, Inc. is under investigation to assess whether the transaction adequately values MidWestOne and the process leading to this valuation [1]. Group 1: Transaction Details - Shareholders of MidWestOne will receive 2.6 shares of Farmers common stock for each share of MidWestOne they own as part of the proposed transaction [1]. Group 2: Legal Investigation - Kahn Swick & Foti, LLC is investigating the proposed sale to determine if the consideration is adequate or if it undervalues MidWestOne [1]. - The firm is inviting shareholders who believe the transaction undervalues the company to discuss their legal rights regarding the proposed sale [2].

Core Viewpoint - Nicolet Bankshares (NIC) shows a significant improvement in earnings outlook, making it an attractive investment option as analysts continue to raise earnings estimates for the company [1][2]. Earnings Estimate Revisions - The upward trend in earnings estimate revisions reflects growing analyst optimism regarding the company's earnings prospects, which is expected to positively influence its stock price [2]. - For the current quarter, the earnings estimate is $2.55 per share, representing a 17.5% increase from the previous year, with a 10.39% rise in the Zacks Consensus Estimate over the last 30 days [6]. - For the full year, the earnings estimate stands at $9.65 per share, indicating a 23.2% increase from the prior year, with a 6.34% increase in the consensus estimate due to positive revisions [7][8]. Zacks Rank and Performance - Nicolet Bankshares has achieved a Zacks Rank 2 (Buy), indicating strong agreement among analysts in raising earnings estimates, which historically correlates with stock performance [9]. - Stocks rated Zacks Rank 1 (Strong Buy) and 2 (Buy) have shown significant outperformance compared to the S&P 500, with Zacks 1 stocks averaging a 25% annual return since 2008 [3][9]. Stock Performance - The stock has gained 8.9% over the past four weeks, driven by solid estimate revisions and positive earnings growth prospects, suggesting it may be a good addition to investment portfolios [10].

Core Insights - Delota Corp. reported its financial results for the three and six months ended September 30, 2025, highlighting the impact of operational restructuring on its performance [3][4]. Financial Performance - Total revenue for the three months ended September 30, 2025, was $8,672,936, a decrease from $9,757,783 for the same period in the previous year [5]. - Total revenue for the six months ended September 30, 2025, was $18,716,606, down from $19,641,666 for the six months ended July 31, 2024 [8]. - Adjusted EBITDA for the three months ended September 30, 2025, was a loss of $357,801 compared to a positive $302,233 for the same period in the previous year [8]. - Adjusted EBITDA for the six months ended September 30, 2025, was a loss of $6,001 compared to a positive $420,940 for the same period in the previous year [8]. System-Wide Revenue - Total System-Wide Revenue for the three months ended September 30, 2025, was $10,419,383, slightly down from $10,436,279 for the same period in the previous year [8]. - Total System-Wide Revenue for the six months ended September 30, 2025, was $20,969,323, compared to $20,944,034 for the six months ended July 31, 2024 [8][10]. Gross Profit Margin - The gross profit margin for the three months ended September 30, 2025, was 31%, down from 42% for the same period in the previous year [8]. - The gross profit margin for the six months ended September 30, 2025, was 34%, compared to 41% for the six months ended July 31, 2024 [8]. Customer Base and Market Position - Delota has a customer base of over 325,000 registered accounts across its online and brick-and-mortar platforms [6][16]. - The company aims to expand its retail footprint and strengthen its e-commerce platform as part of its growth strategy [16].

Financial Performance - Nicolet Bankshares reported net interest income of $79,264,000 for the three months ended September 30, 2025, an increase of 5.7% from $75,109,000 in the previous quarter[134]. - The company’s net income for the three months ended September 30, 2025, was $41,735,000, representing a 15.5% increase compared to $36,035,000 for the same period in 2024[134]. - Basic earnings per share (EPS) for the three months ended September 30, 2025, was $2.81, compared to $2.40 in the previous quarter, reflecting a 17.1% increase[134]. - Net income for the nine months ended September 30, 2025, was $110 million, an increase from $90 million for the same period in 2024, resulting in diluted earnings per share of $7.14 compared to $5.84[146]. - Net interest income reached $226 million for the first nine months of 2025, up $29 million (15%) from the same period in 2024, with a net interest margin of 3.72% compared to 3.42%[146]. - Noninterest income for the nine months ended September 30, 2025, was $62.5 million, a $1.1 million increase (2%) from the comparable period in 2024[167]. Assets and Liabilities - Total assets as of September 30, 2025, reached $9,029,430,000, up from $8,930,809,000 at the end of the previous quarter[134]. - Stockholders' equity increased to $1,214,960,000 as of September 30, 2025, compared to $1,190,098,000 at the end of the previous quarter[134]. - Total assets increased to $9.0 billion at September 30, 2025, up $233 million (3%) from December 31, 2024, primarily due to solid loan growth[148]. - Total deposits reached $7.6 billion at September 30, 2025, an increase of $208 million from December 31, 2024, with core deposits growing by $353 million[148]. - Total interest-earning assets increased to $8,142,411 thousand in 2025, up from $7,729,346 thousand in 2024, reflecting a growth of 5.34%[149]. - Interest-bearing liabilities totaled $5,945,532 thousand in 2025, with a net interest expense of $125,133 thousand, down from $129,016 thousand in 2024, showing a decrease of 3.06%[149]. Credit Quality - Nicolet's provision for credit losses was $950,000 for the three months ended September 30, 2025, a decrease from $1,050,000 in the previous quarter[134]. - Nonperforming assets were $28 million, representing 0.31% of total assets at September 30, 2025, a slight decrease from 0.33% at December 31, 2024[146]. - The provision for credit losses was $3.5 million for the nine months ended September 30, 2025, compared to $2.9 million for the same period in 2024, reflecting growth in the loan portfolio[164]. - Total nonperforming loans amounted to $27.463 million, a decrease from $28.419 million at December 31, 2024[201]. - Potential problem loans were reported at $79 million, representing 1% of total loans as of September 30, 2025, an increase from $68 million (1% of loans) at December 31, 2024[200]. - The Allowance for Credit Losses (ACL-Loans) was $69 million, representing 1.00% of period-end loans, consistent with the previous year[196]. Merger and Acquisition - The company announced a merger agreement with MidWestOne Financial Group, Inc., involving an exchange of 0.3175 shares of Nicolet common stock for each share of MidWestOne common stock[130]. - The merger with MidWestOne is expected to close in the first half of 2026, pending regulatory and stockholder approvals[130]. - MidWestOne had total assets of $6.2 billion, loans of $4.4 billion, and deposits of $5.5 billion as of September 30, 2025[130]. Capital Management - Common stock repurchased during the nine months ended September 30, 2025, totaled $76,561,000, with 646,002 shares repurchased[219]. - Total risk-based capital as of September 30, 2025, was $1,069,440,000, compared to $1,062,458,000 at year-end December 31, 2024[219]. - Tier 1 risk-based capital increased to $905,262,000 as of September 30, 2025, from $882,056,000 at year-end December 31, 2024[219]. - The company has $19 million authorized under its stock repurchase program as of September 30, 2025[220]. - The Tier 1 capital ratio improved to 12.1% as of September 30, 2025, from 11.9% at year-end December 31, 2024[219]. - The total capital ratio remained stable at 14.3% for both September 30, 2025, and December 31, 2024[219]. Operational Efficiency - Noninterest expense totaled $148 million for the nine months ended September 30, 2025, an increase of $5 million (3%) from the previous year, driven by a $3 million (4%) rise in personnel costs[146]. - Personnel costs increased by $3.3 million (4%) to $85.1 million for the nine months ended September 30, 2025, reflecting merit increases and higher incentives[175]. - Noninterest income was $62 million for the nine months ended September 30, 2025, a $1 million increase from 2024, with a 7% increase in noninterest income excluding net asset gains[146]. Market Conditions - The projected change in net interest income for a 200 bps increase in interest rates is 3.9% for September 30, 2025[215]. - There have been no material changes in market risk as of September 30, 2025, compared to the previous year[222].