NSTS Bancorp, Inc. (NSTS) vs Summit State Bank (SSBI)

NSTS Bancorp, Inc. and Summit State Bank are both Banks Regional companies. Summit State Bank is the larger, with a market value of $81.7M against $74.1M — 1.1× the size. NSTS Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Summit State Bank trades at 36.6×. NSTS Bancorp, Inc. grew revenue faster over the last twelve months: 7.00% against −7.63%. Summit State Bank has the higher net margin (3.87% vs −0.31%) and the higher return on invested capital (0.00% vs −0.09%). Across the 17 metrics below, Summit State Bank leads on 9 and NSTS Bancorp, Inc. on 8.

Valuation

Metric NSTS SSBI Banks Regional median
P/E n/m 36.59 12.15
P/S 4.99 1.44 2.37
P/B 0.87 n/m 1.21
Price to free cash flow 4.38 13.89 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.48 1.44 2.27
Earnings yield (0.06%) 2.73% 8.11%
Free cash flow yield 22.83% 7.20% 8.98%

Profitability

Metric NSTS SSBI Banks Regional median
Gross margin 77.36% 100.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.31%) 3.87% 18.66%
Free cash flow margin 113.89% 0.00% 21.18%
Return on equity (0.05%) 0.00% 10.64%
Return on assets (0.02%) 0.00% 1.13%
Return on invested capital (0.09%) 0.00% 8.33%

Growth

Metric NSTS SSBI Banks Regional median
Revenue growth (TTM) 7.00% (7.63%) 6.61%
EPS growth (last fiscal year) 50.00% 287.04% —
Revenue growth, 5-year CAGR 11.74% 7.55% 12.30%
Net income growth, 5-year CAGR 0.00% (8.36%) 9.71%

Health

Metric NSTS SSBI Banks Regional median
Debt to equity 0.00 0.08 0.22
Current ratio 0.95 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NSTS SSBI Banks Regional median
Dividend yield — 6.09% 3.75%
Payout ratio 0.00 0.21 0.27

Size

Metric NSTS SSBI Banks Regional median
Market cap 74.12m 81.73m 921.07m

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