BofA raises nCino stock price target to $26, maintains neutral rating

Published 10/04/2025, 11:18
BofA raises nCino stock price target to $26, maintains neutral rating

On Thursday, BofA Securities analyst Adam Bergere increased the price target on nCino Inc. (NASDAQ:NCNO) shares to $26 from the previous $22 while retaining a Neutral stance on the company. Currently trading at $24.43, nCino has shown strong momentum with a 12.5% gain over the past week. The adjustment follows recent investor meetings with nCino's Chief Financial Officer Greg Orenstein and Investor Relations contact Harrison Masters, which bolstered Bergere's confidence in the company's prospects. According to InvestingPro data, analyst targets for the stock range from $19 to $32, with the company currently appearing undervalued based on Fair Value analysis.

Bergere's optimism is rooted in nCino's growth strategy and its pledge to become a Rule-of-40 company, which balances growth and profitability. The company has demonstrated solid revenue growth of 13.45% over the last twelve months, though InvestingPro analysis indicates it operates with moderate debt levels and maintains a 'Fair' overall financial health score. Despite a soft outlook provided by nCino a week earlier on April 2, the analyst believes the risk/reward might be even until the company demonstrates consistent performance over several quarters.

nCino, a provider of cloud-based software for financial institutions, is expected to continue gaining market share in the $19 billion financial institution end-market TAM. Bergere's revised price objective is based on an enterprise value to calendar year 2026 (fiscal year 2027) revenue multiple of 5.2 times, up from 4.4 times.

The company's commitment to achieving its FY26 guidance was a key factor in the decision to raise the price target. BofA Securities' stance reflects a cautious yet hopeful outlook on nCino's future financial performance and market position. The new price target suggests a potential upside from the company's recent trading levels, indicating a belief in nCino's value proposition and market opportunity.

In other recent news, nCino Inc. has seen several key developments affecting its financial outlook and stock ratings. UBS revised its price target for nCino to $30 from $43, maintaining a Buy rating after the company's fourth fiscal quarter 2025 results slightly exceeded expectations. However, nCino's fiscal year 2026 guidance fell short of Street expectations, leading to concerns about revenue growth due to challenges in the mortgage and international bookings sectors. Similarly, Keefe, Bruyette & Woods reduced their price target to $28 while maintaining an Outperform rating, citing a conservative revenue guide from nCino's management.

Goldman Sachs took a different stance, downgrading nCino's stock rating from Buy to Neutral and slashing the price target to $24, pointing to internal execution challenges and a slowdown in commercial and mortgage lending activities. Despite the downgrade, Goldman Sachs acknowledged the potential of nCino's new product suite to aid growth. Needham also adjusted its price target to $28 from $45, maintaining a Buy rating, noting the company's revenues and operating income exceeded expectations, though future forecasts were less optimistic.

The analysts from Needham highlighted foreign exchange headwinds and challenges in the mortgage sector as contributing factors to the softer revenue outlook. Despite these challenges, the analysts maintain a positive long-term view of nCino's prospects, attributing it to positive trends in the digital banking software market. These recent developments paint a mixed picture for nCino, with varying assessments from financial analysts reflecting both caution and optimism about the company's future performance.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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