NSTS Bancorp, Inc. NSTS

14.12 0.01 0.07% as of 25 Sep
Market cap
$74.1M
P/E
0.0×

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 8.98%

Capital & Financial Ratios

Market Cap 74.12
Revenue 13.93
Net Income (0.04)
Free Cash Flow 15.87
Net Debt (48.87)
Current Ratio 0.95
Debt/Equity 0.00
P/E ratio 0.00
P/S ratio 4.99
P/B ratio 0.87
Past 5Y EPS Growth —
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 34 56 36 49
Receivables — — — —
Inventory — — — —
Other — — — —
156 188 170 178
2023 2024 2025 Q'26
Payables 169 190 181 184
ST’ Debt — — — —
Other — — — —
173 195 185 188
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 11.74% 20.49%
Cash Flow — 0.00% 10.67%
Earnings — 0.00% 0.00%
Book Value — 11.35% (0.24%)

Revenue

Mar Jun Sep Dec Year
’26 3 4 — — —
’25 3 3 3 3 13
’24 3 3 3 3 12
’23 2 2 2 0 7
’22 1 2 2 2 8
’21 2 2 2 2 6
’20 — — 2 — 8
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 6 3 — — —
’25 (3) 1 3 3 4
’24 0 (2) 2 9 9
’23 0 0 0 0 0
’22 2 0 2 0 3
’21 0 1 (1) 1 1
’20 — 0 (4) 3 (1)
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 6 4 — — —
’25 (3) 1 3 3 4
’24 0 (2) 2 9 9
’23 0 0 0 0 0
’22 2 0 2 0 3
’21 0 1 (1) 1 2
’20 — 0 (4) 3 (1)
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 (0.01) (0.04) — — —
’25 (0.07) (0.05) 0.01 0.03 (0.08)
’24 (0.05) (0.07) (0.03) (0.01) (0.16)
’23 0.03 (0.03) (0.05) (0.75) (0.79)
’22 (0.07) 0.03 0.02 0.01 0.01
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — — 9.82 8.25 9.35 10.72

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — — — 12.90 10.70 11.89 13.32
High Price
— — — — 36 35 35 46 53 49
Employees
— — — 0 0 0 0 0 0 0
Revenue/Emp
— — — 8 8 6 8 7 12 13
Revenue
— — — 78.09% 80.46% 84.95% 89.93% 77.08% 73.52% 73.39%
Gross Margin
— — — 0 (1) 0 0 (3) (1) 0
EBT
— — — 4.16% (8.08%) (4.31%) 2.28% (44.97%) (6.44%) (2.91%)
EBT Margin
— — — 0 0 0 0 (4) (1) 0
Net Income
— — — 1 1 2 1 1 1 1
Depreciation
— — — 0.00 0.00 1.16 1.60 1.31 2.49 2.71
Revenue/Sh
— — — — — (0.01) 0.01 (0.79) (0.16) (0.08)
Earnings/Sh
— — — 0.00 0.00 0.27 0.63 0.09 1.92 0.83
Cash Flow/Sh
— — — 0.00 0.00 0.01 (0.05) (0.10) (0.06) (0.02)
Capex/Sh
— — — 0.00 0.00 0.28 0.59 (0.02) 1.86 0.81
Free CF/Sh
— — — 0.00 0.00 8.37 17.03 15.50 15.57 16.36
Book Value/Sh
— — — — — 5 5 5 5 5
Shares
— — — 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PE Ratio
— — — 10.88 10.88 10.88 6.32 7.24 4.73 4.77
PS Ratio
— — — 1.50 1.50 1.50 0.59 0.61 0.76 0.79
PB Ratio
— — — (9.23) (9.23) (9.23) 3.92 2.08 0.20 2.07
EV/Sales
— — — (38.34) (38.34) (38.34) 10.72 (158.88) 0.26 6.94
EV/FCF
— — — 2 (1) 1 3 0 9 4
Op' Cash Flow
— — — 0 0 0 0 (1) 0 0
Capex
— — — 2 (1) 2 3 0 9 4
FCF
— — — (36) (44) (66) (60) (17) (7) (15)
Working Cap'
— — — — 4 5 — — — —
Total Debt
— — — (53) (45) (126) (18) (34) (56) (36)
Net Debt
— — — 46 47 45 81 78 76 80
Sh' Equity
— — — 0.17% (0.05%) (0.02%) 0.01% (1.52%) (0.29%) (0.14%)
ROA
— — — 0.00% (20.13%) 0.00% 0.17% (4.24%) (2.36%) (0.55%)
ROIC
— — — 0.89% (0.24%) (0.12%) 0.04% (5.01%) (1.02%) (0.49%)
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

NSTS Bancorp, Inc. (NSTS) key facts

  • NSTS Bancorp, Inc. (NSTS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • NSTS Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $13.3 million, up 8.33% from fiscal 2024.
  • NSTS Bancorp, Inc. reported a net loss of $386,000.00, or a loss of $0.08 per share, for fiscal 2025.
  • As of September 25, 2026, NSTS traded at $14.12, a market capitalization of $74.1 million.
  • Trailing earnings are negative, so a P/E ratio is not meaningful; the stock trades at 5.0× sales.
  • Return on equity was −0.49% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

NSTS Bancorp, Inc. (NSTS) Latest News

News by impact score

Fine-tune

12 May

5

Brookfield Bancshares, Inc. and First National Bank of Brookfield executed a merger agreement to acquire NSTS Bancorp, Inc. and North Shore Trust and Savings. The merger acquisition agreement fundamentally redefines NSTS Bancorp's independence and long-term prospects.

9 Apr

4

NSTS Bancorp, Inc. announces the passing of Nathan E. Walker, Chief Executive Officer and President of North Shore Trust and Savings. Death of the CEO introduces major leadership uncertainty likely to disrupt operations and investor confidence.

18 Jun

3

John Pucin has been appointed to the Board of Directors of NSTS Bancorp, Inc. and North Shore Trust and Savings. His extensive experience in the banking sector is expected to contribute positively to the company's strategic direction and governance. Pucin's appointment may enhance governance and strategic oversight, impacting the company's competitive positioning.

22 Apr

3

Emily Ansani appointed to Board of Directors of NSTS Bancorp, Inc. and North Shore Trust and Savings. Appointment of new board member may influence key areas such as financial performance and competitive positioning.

22 Dec

3

NSTS Bancorp sold lower yielding securities to improve earnings and liquidity, expects to recognize valuation allowance on deferred tax asset. The balance sheet repositioning and valuation allowance may moderately influence financial performance and competitive positioning.

21 Dec

3

NSTS Bancorp authorizes stock repurchase program for up to 265,763 shares. The stock repurchase program may moderately influence the company's financial performance and shareholder value.

23 Oct

3

NSTS Bancorp, Inc. expands residential mortgage lending department with Oak Leaf Community Mortgage team. Expansion of mortgage lending department may moderately influence financial performance and competitive positioning.

6 Oct

3

NSTS Bancorp extends stock repurchase program, authorizing repurchase of 269,898 shares until September 30, 2024. Extension of stock repurchase program may moderately influence financial performance and investor sentiment.

15 Aug

3

NSTS Bancorp (NASDAQ:NSTS) investors face 17% loss in share price over the last year despite revenue growth. The article highlights revenue growth but also mentions a significant decline in share price, indicating a moderately noticeable influence on future performance.

stockrow.com/NSTS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com