Citizens Jmp Has Lowered Expectations for nCino (NASDAQ:NCNO) Stock Price

nCino (NASDAQ:NCNO) had its price target decreased by investment analysts at Citizens Jmp from $41.00 to $32.00 in a report released on Wednesday,Benzinga reports. The brokerage currently has a “market outperform” rating on the stock. Citizens Jmp’s target price would suggest a potential upside of 93.67% from the stock’s current price.

Several other equities analysts have also weighed in on the stock. Needham & Company LLC cut their price objective on shares of nCino from $38.00 to $25.00 and set a “buy” rating on the stock in a report on Wednesday. Morgan Stanley dropped their target price on shares of nCino from $36.00 to $21.00 and set an “overweight” rating for the company in a research report on Monday. Keefe, Bruyette & Woods increased their price target on nCino from $34.50 to $36.00 and gave the company an “outperform” rating in a research note on Thursday, December 4th. Weiss Ratings restated a “sell (d-)” rating on shares of nCino in a research report on Thursday, January 22nd. Finally, Barclays decreased their price objective on nCino from $34.00 to $21.00 and set an “overweight” rating for the company in a research note on Tuesday, March 24th. One analyst has rated the stock with a Strong Buy rating, eleven have issued a Buy rating, seven have assigned a Hold rating and one has issued a Sell rating to the stock. According to data from MarketBeat.com, the stock currently has an average rating of “Moderate Buy” and a consensus price target of $27.47.

nCino Trading Up 10.3%

NCNO stock traded up $1.54 during midday trading on Wednesday, reaching $16.52. The stock had a trading volume of 5,578,921 shares, compared to its average volume of 2,311,439. The firm has a market cap of $1.89 billion, a price-to-earnings ratio of -91.40, a PEG ratio of 2.84 and a beta of 0.59. nCino has a twelve month low of $13.80 and a twelve month high of $33.92. The company has a quick ratio of 1.01, a current ratio of 1.01 and a debt-to-equity ratio of 0.24. The business has a fifty day simple moving average of $17.32 and a two-hundred day simple moving average of $22.80.

nCino (NASDAQ:NCNO) last released its earnings results on Tuesday, March 31st. The company reported $0.37 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.21 by $0.16. The company had revenue of $149.67 million for the quarter, compared to the consensus estimate of $147.41 million. nCino had a negative net margin of 3.71% and a positive return on equity of 2.28%. The company’s revenue was up 5.9% compared to the same quarter last year. During the same period in the prior year, the company posted $0.12 EPS. As a group, research analysts expect that nCino will post 0.12 EPS for the current fiscal year.

nCino declared that its board has initiated a share repurchase plan on Monday, December 8th that allows the company to repurchase $100.00 million in shares. This repurchase authorization allows the company to purchase up to 3.7% of its shares through open market purchases. Shares repurchase plans are usually an indication that the company’s management believes its shares are undervalued.

Insider Buying and Selling

In other nCino news, SVP Jeanette Sellers sold 2,182 shares of the stock in a transaction dated Wednesday, February 4th. The stock was sold at an average price of $18.26, for a total value of $39,843.32. Following the completion of the sale, the senior vice president directly owned 43,219 shares in the company, valued at $789,178.94. This represents a 4.81% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available through the SEC website. Also, CFO Gregory Orenstein sold 10,562 shares of the firm’s stock in a transaction dated Tuesday, February 3rd. The stock was sold at an average price of $18.68, for a total value of $197,298.16. Following the sale, the chief financial officer directly owned 451,184 shares in the company, valued at approximately $8,428,117.12. This represents a 2.29% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Over the last ninety days, insiders sold 69,803 shares of company stock valued at $1,345,743. 5.70% of the stock is owned by company insiders.

Institutional Inflows and Outflows

A number of institutional investors have recently bought and sold shares of NCNO. Farther Finance Advisors LLC increased its position in shares of nCino by 186.4% during the third quarter. Farther Finance Advisors LLC now owns 948 shares of the company’s stock worth $26,000 after acquiring an additional 617 shares in the last quarter. CWM LLC lifted its position in nCino by 255.8% in the 4th quarter. CWM LLC now owns 1,142 shares of the company’s stock valued at $29,000 after acquiring an additional 821 shares in the last quarter. Advisors Asset Management Inc. lifted its position in nCino by 68.5% in the 2nd quarter. Advisors Asset Management Inc. now owns 1,127 shares of the company’s stock valued at $32,000 after acquiring an additional 458 shares in the last quarter. AlphaQuest LLC boosted its stake in nCino by 5,022.2% in the 3rd quarter. AlphaQuest LLC now owns 1,383 shares of the company’s stock worth $37,000 after purchasing an additional 1,356 shares during the period. Finally, Los Angeles Capital Management LLC acquired a new position in nCino in the 4th quarter worth $38,000. Institutional investors own 94.76% of the company’s stock.

More nCino News

Here are the key news stories impacting nCino this week:

• Positive Sentiment: Q4 results beat expectations: nCino reported non‑GAAP EPS of $0.37 (well above estimates) and revenue of $149.7M, with ACV up 17% and a fiscal‑year ACV net retention rate of 112%. Management also announced a $100M accelerated share repurchase program — all signals of stronger recurring revenue and capital returns. GlobeNewswire
• Positive Sentiment: Fiscal‑2027 outlook and cash generation: management outlined free cash flow guidance of $132M–$137M and a target of ~10% ACV growth, which supports valuation re‑rating if execution continues. Seeking Alpha
• Positive Sentiment: Analyst ratings largely remain constructive: several firms (Needham, Piper Sandler, Morgan Stanley, Robert W. Baird) maintained or moved to buy/overweight ratings despite trimming price targets — indicating continued analyst conviction in medium‑term growth. See Benzinga/TickerReport coverage. Benzinga TickerReport
• Neutral Sentiment: Investors are parsing the earnings call and slides for execution details (AI initiatives, ACV composition and margin cadence); transcripts and call highlights are available for deeper diligence. Yahoo Finance Earnings Call Transcript
• Negative Sentiment: Price‑target trims and forecast cuts: multiple firms cut their price targets (examples: Morgan Stanley $36→$21, Piper Sandler $30→$22, Robert W. Baird $34→$24, Needham $38→$25) and some analysts slashed near‑term forecasts, reflecting tempered expectations on margin expansion and growth cadence. Benzinga
• Negative Sentiment: Morgan Stanley published a pessimistic short‑term view on NCNO’s trajectory, which could pressure sentiment if execution or guidance misses going forward. American Banking News

nCino Company Profile

nCino, Inc provides a cloud-based banking operating system designed to modernize and streamline processes for financial institutions. Built on a software-as-a-service (SaaS) model, the nCino Bank Operating System integrates key banking functions into a unified platform, enabling banks and credit unions to enhance efficiency, reduce risk and improve customer experiences.

Founded in 2012 as a spinoff from Live Oak Bank, nCino launched its flagship offering to address the needs of commercial and retail lenders seeking to replace legacy systems.