nCino Inc (NCNO)

Over the past six months, nCino's stock experienced fluctuations influenced by earnings reports, market trends, and company-specific developments. In Q3 FY26, nCino reported revenues exceeding expectations and raised full-year guidance. Investors awaited the Q4 FY26 earnings report, with analysts projecting earnings of $0.21 per share. Following Q4 results, analysts from BofA and Stephens cut nCino's stock price targets. Keith Kettell joined nCino as Chief Revenue Officer, and there were insider filings including RSU grants. The software sector, including nCino, has faced challenges due to AI disruption fears and geopolitical tensions.

nCino's products and services exhibit some demand seasonality, primarily influenced by the business cycles of its financial institution clients. The company's platform supports financial institutions that deal with seasonal incomes, particularly in areas like credit analysis. Management has flagged seasonality in revenues as a risk or concern, with the company's biggest renewal customer quarter being the fourth quarter.

nCino, Inc. is a global financial technology company providing a cloud-based Bank Operating System to streamline banking operations for financial institutions. Its major products include the nCino Bank Operating System, Commercial Banking Solution, Small Business Banking Solution, Consumer Banking Solution, Mortgage Lending solutions, Deposit Account Opening, Portfolio Risk Management & Analytics and Reporting, Customer Relationship Management (CRM), and nCino IQ (nIQ).

nCino, Inc. is headquartered in Wilmington, North Carolina, USA, and operates across North America, Europe, the Middle East, Japan, and Asia-Pacific. Key offices are located in North America, Europe, Asia-Pacific, and Africa. The United States is its largest revenue and brand base, with international revenue growing to account for roughly 25% or more of the total by fiscal years 2024-2025.

In the past year, nCino has maintained a positive brand reputation through its innovative impact on financial services and its focus on artificial intelligence. nCino was included on a list of the world's top fintech companies and has been recognized for its advancements in AI. The company has reported significant customer successes and has strengthened its platform through strategic acquisitions.

nCino, Inc. has significant institutional ownership, with 294 institutional owners holding a total of 119,164,575 shares as of May 2026. Major institutional owners include Vanguard Group Inc., HMI Capital Management, L.P., and BlackRock, Inc. Individual ownership accounts for about 2.9% of the shares, and Salesforce.com Inc. is a significant insider shareholder, owning 8.06% of the company as of June 2025.