Ncino Stock Price, News & Analysis

nCino, Inc. (NASDAQ: NCNO) operates in the Technology sector within the Software – Application industry. According to the company’s public statements, nCino was founded to help financial institutions digitize and reengineer business processes so they can boost efficiency and create better banking experiences. The company’s stock is listed on the Nasdaq Global Select Market under the symbol NCNO.

nCino describes itself as powering a new era in financial services by providing a cloud-based platform for banks, credit unions, independent mortgage banks, and other financial entities. Its solutions are designed to help institutions consolidate legacy systems, automate workflows, and use data and artificial intelligence to support strategic decision-making, risk management, and customer satisfaction. The company reports that it serves over 2,700 customers worldwide, ranging from community institutions and non-bank lenders to some of the largest financial entities globally.

Business model and revenue mix

Based on available information, nCino offers a platform that digitizes, automates, and streamlines complex processes and workflows for financial institutions. The Polygon description notes that its software solution supports onboarding new clients, making loans and managing the loan life cycle, opening deposit and other accounts, and managing regulatory compliance. The same source states that nCino generates the majority of its revenue from subscription services and also offers professional services such as configuration and implementation, training, and advisory services.

The company’s reported customer base includes enterprise banks, regional banks, community banks, credit unions, and independent mortgage banks. News disclosures also highlight specialty finance and non-bank financial firms as customers. This mix indicates that nCino’s platform is used across a wide spectrum of financial services organizations, from smaller community-focused institutions to large, complex organizations with multi-product operations.

Core platform capabilities

Public descriptions of nCino’s offerings emphasize a trusted platform of what the company calls intelligent banking solutions. According to repeated “About nCino” statements in its news releases, the platform integrates artificial intelligence and actionable insights into banking workflows. This is intended to help financial institutions consolidate legacy systems and bring together people, AI, and data within a single environment.

The Polygon description adds that the software digitizes and automates inefficient and complex processes and workflows, with data analytics and artificial intelligence used to support onboarding, lending, account opening, and compliance activities. In practice, this means nCino’s platform is positioned as a system of engagement and process management for core banking activities, particularly around lending and customer lifecycle management, based on the company’s own descriptions.

AI and intelligent solutions focus

Recent company news places particular emphasis on artificial intelligence. nCino describes itself as advancing an AI strategy for financial institutions and refers to itself as a worldwide leader in AI banking in its own commentary. The company has introduced capabilities such as Banking Advisor, which it describes as a conversational AI interface, and “Digital Partners,” which it characterizes as role-based agents designed to support a “dual workforce” in financial services.

According to nCino’s announcements, Digital Partners are trained on complex financial services data and are designed around specific roles such as executives, analysts, service and processing staff, and end customers or members. These agents are described as operating within the nCino platform to help interpret data, coordinate workflows, and provide contextually relevant assistance through natural language interactions. The company positions this approach as a way to let AI handle background complexity so that banking professionals can focus on decisions and relationships.

Solutions across banking segments

nCino’s public communications reference solutions across several banking and lending segments. The company highlights AI-powered solutions for commercial onboarding and lending, small and medium enterprise (SME) banking, and mortgage lending. In mortgage, nCino has announced AI-driven capabilities such as Mortgage Advisor and Document Validation, which it describes as tools to accelerate loan origination, reduce underwriting touches, and improve borrower experiences. It also refers to features like AUS Smart Tasks and a Refi Opportunity Analyzer within its mortgage suite, which are intended to interpret automated underwriting findings and identify refinance opportunities based on the company’s descriptions.

In commercial and SME banking, nCino’s platform is described as supporting onboarding, lending, and operational workflows. Customer case studies in the news, such as Eastern Bank and Baghdadi Capital Group, illustrate how institutions use nCino to unify multiple legacy systems, standardize and automate operations, and create connected lending experiences across product lines and geographies, according to those institutions’ and nCino’s own statements.

Integration and ecosystem connectivity

nCino has also publicly introduced Integration Gateway, which it describes as a purpose-built Integration Platform as a Service (iPaaS) for financial institutions and fintech partners. According to the company, Integration Gateway (formerly Glyue by Sandbox Banking) is designed to streamline data connectivity between banks, credit unions, and third-party solutions. It is described as providing dynamic integration capabilities, enabling institutions to connect core banking platforms and other financial services solutions, reduce integration bottlenecks, and support AI-driven applications by eliminating data silos.

The company states that Integration Gateway includes governance features such as audit trails, user access controls, role-based permissions, and SAML support, and that it is already used by more than 100 North American financial institutions across a wide range of asset sizes. This integration layer is presented as part of nCino’s broader effort to provide an intelligent architecture for financial institutions’ technology ecosystems.

Customer base and geographic reach

Across multiple news releases, nCino notes that it serves over 2,700 customers worldwide. These include community banks, credit unions, independent mortgage banks, and large financial entities. Specific customer examples mentioned in the company’s news include Eastern Bank, a Boston-based bank, and Baghdadi Capital Group, a global independent family office with operations across various markets. The company also references work with financial institutions in regions such as Japan and continental Europe through customer announcements.

The Polygon description indicates that nCino’s customers include financial institutions of various sizes, and that the vast majority of its revenue comes from the United States. At the same time, the company’s own news highlights expansion into markets such as Spain and relationships with institutions in Europe and Asia, reflecting an international footprint based on its disclosed customer engagements.

Corporate governance and stock information

nCino is incorporated in Delaware and, according to its SEC filings, its common stock is registered under Section 12(b) of the Securities Exchange Act of 1934 and trades on the Nasdaq Global Select Market under the symbol NCNO. An 8-K filed on June 20, 2025, reports that stockholders approved an amendment to the company’s certificate of incorporation to phase out the classification of the board of directors and move toward annual election of directors, as described in the company’s proxy materials.

Another 8-K filed on December 3, 2025, documents changes to the composition of the board of directors, including the appointment of two new independent directors and the planned transition of the Executive Chairman to a non-employee Chairman role on a specified date. These filings underscore that nCino provides regular governance updates through its SEC disclosures.

Financial profile and capital allocation signals

nCino’s financial results are reported in detail in its quarterly and annual filings and earnings releases. For the third quarter of its fiscal year 2026, the company disclosed total revenues and subscription revenues, along with GAAP and non-GAAP operating margins and net income measures. While specific figures change over time, the company’s disclosures indicate that subscription revenues represent the majority of total revenues, consistent with the Polygon description that most revenue comes from subscription services.

The company has also used stock repurchase programs as part of its capital allocation approach. A December 2025 news release notes that the board of directors authorized a stock repurchase program for up to a specified dollar amount of common stock, following the completion of a prior repurchase authorization. In its third quarter fiscal 2026 results release, nCino reported that it had repurchased shares under its previous program and that the earlier authorization had been fully utilized. These actions, as described by the company, reflect management and board decisions regarding capital deployment.

Position within the software and financial technology landscape

Within the Software – Application industry, nCino positions itself as a provider of cloud-based, AI-enabled software tailored for financial institutions. Its platform focuses on digitizing core banking processes such as client onboarding, lending, account opening, and compliance, while also addressing integration and data connectivity needs through offerings like Integration Gateway. The company’s own descriptions emphasize the combination of domain-specific financial services expertise, AI capabilities, and workflow automation.

For investors and analysts, nCino represents an example of a technology company whose customer base is concentrated in financial services and whose revenue model is primarily subscription-based, supplemented by professional services. Its SEC filings, earnings releases, and product announcements provide ongoing insight into how it evolves its platform, expands its customer base, and allocates capital.

Frequently asked questions (FAQ)

• What does nCino, Inc. do?
  nCino provides cloud-based software for financial institutions. According to the company and Polygon description, its platform digitizes, automates, and streamlines processes such as client onboarding, lending, account opening, and regulatory compliance, using data analytics and artificial intelligence.
• How does nCino generate revenue?
  The Polygon description states that nCino generates the majority of its revenue from subscription services. It also reports revenue from professional services, including configuration and implementation, training, and advisory services.
• Which types of customers use nCino’s platform?
  nCino reports that it serves over 2,700 customers worldwide, including community banks, credit unions, independent mortgage banks, and large financial entities. Polygon further notes that its customers include enterprise banks, regional banks, community banks, and credit unions.
• What role does artificial intelligence play in nCino’s offerings?
  In its news releases, nCino states that it integrates artificial intelligence and actionable insights into its platform to help financial institutions consolidate legacy systems, enhance decision-making, improve risk management, and elevate customer satisfaction. It has introduced AI capabilities such as Banking Advisor and role-based “Digital Partners,” as well as mortgage-focused AI tools like Mortgage Advisor and Document Validation.
• What is nCino Integration Gateway?
  According to a company announcement, nCino Integration Gateway is a purpose-built Integration Platform as a Service that connects banks, credit unions, and fintech partners. It is designed to streamline data connectivity, reduce integration bottlenecks, and support AI-driven applications by linking core banking platforms and other financial services solutions.
• In which industry and sector is nCino classified?
  nCino is classified in the Software – Application industry within the Technology sector, based on the provided industry and sector information.
• Where does nCino generate most of its revenue geographically?
  The Polygon description indicates that the vast majority of nCino’s revenue comes from the United States, although the company also reports customers worldwide in its news releases.
• On which exchange does nCino trade and what is its ticker symbol?
  According to its SEC filings, nCino’s common stock is listed on the Nasdaq Global Select Market under the trading symbol NCNO.
• Does nCino have a subscription-based business model?
  Yes. The Polygon description states that the company generates the majority of its revenue from subscription services, indicating that a subscription-based model is central to its business.
• How does nCino describe its mission in financial services?
  In multiple news releases, nCino states that it was founded to help financial institutions digitize and reengineer business processes to boost efficiencies and create better banking experiences, and that it is focused on powering a new era in financial services.