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NSTS Bancorp, Inc. NSTS FINANCIAL

Financial Services · Banks - Regional · United States
https://www.northshoretrust.com
Company Profile ↓
$14.14
+17.64% 1Y
Mkt Cap$69.54M
P/E-1,414.00
P/B0.86
52W High$14.14
52W Low$10.83
Book Value$16.29
EPS (TTM)$-0.01

Company Overview

NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgages, multifamily and commercial real estate mortgages, construction, consumer loans, other collateral and unsecured personal loans. It also provides online banking services. The company operates through full-service banking offices in Lake County, Illinois; and three loan production offices in Chicago, Plainfield, and Aurora. NSTS Bancorp, Inc. was founded in 1921 and is headquartered in Waukegan, Illinois.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 146.6% CAGR over the past five years.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.34.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $9.43M (+7.3% YoY); net profit $-386.00K.
  • Trailing 12 Months Year-on-year growth — revenue +30.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 146.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:146.63%
1 Year:30.20%

Stock Price Performance

1 Year:+17.64%
6 Months:+14.03%
3 Months:+2.99%
1 Month:+2.43%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
$10.83 $14.14
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)79.45 · Overbought
Price Performance
1M+2.43%
3M+2.99%
6M+14.03%
1Y+17.64%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 146.6% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • RSI at 79 suggests overbought conditions.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
-1,414.00
Industry PE
12.89
Forward P/E
-
PEG Ratio
-
Book Value
$16.29
Price to Book
0.86
P/S
6.28
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
146.63%
Profit 5Y
-
Revenue (YoY)
30.20%
Earnings (YoY)
-

Profitability & Returns

ROCE
-
ROE
-0.05%
ROA
-0.02%
Profit Margin
-0.39%
Op Margin
12.57%
Gross Margin
0.00%
EPS (Latest Qtr)
$-0.01
EPS (TTM)
$-0.01

Balance Sheet & Liquidity

Debt/Equity
0.34
Quick Ratio
-
Current Ratio
-
Debt
$0
Total Assets
$270.32M
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
15.96%
Chg in Prom Hold
0.03%
FII / Inst Holding
25.62%
Chg in FII Hold
1.10%

Financial Snapshot

Enterprise Value
$69.54M
Total Revenue (TTM)
$11.02M
EBITDA
-
Free Cash Flow
$3.95M
Operating Cash Flow
$14.52M
Shares Outstanding
4.92M
Gross Margin
0.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 NSTS NSTS Bancorp, Inc. FINANCIAL 14.14 -1,414.00 $69.54M 0.00% - -0.05% 146.63% -
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 64.00K67.00K74.00K75.00K71.00K75.00K75.00K64.00K69.00K70.00K61.00K64.00K67.00K2.07M2.46M2.44M2.46M2.44M
Cost of Revenue ------------------
Gross Profit ------------------
Operating Expenses ------------------
Operating Income ------------------
EBITDA ------------------
Interest Expense -------------919.00K930.00K879.00K802.00K728.00K
Pretax Income --------------328.00K-258.00K65.00K135.00K-39.00K
Tax Provision -------------00000
Net Income 25.00K-81.00K67.00K16.00K-279.00K149.00K118.00K170.00K-126.00K-232.00K-246.00K-326.00K-171.00K-328.00K-258.00K65.00K135.00K-39.00K
Diluted EPS -------------0.03-0.07-0.050.01--0.01

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 255.00K-6.73M4.95M8.79M9.43M
Cost of Revenue ------
Gross Profit ------
Operating Expenses ------
Operating Income ------
EBITDA ------
Interest Expense --764.00K1.51M3.24M3.53M
Pretax Income --173.00K-2.96M-789.00K-386.00K
Tax Provision --146.00K999.00K00
Net Income -112.00K-27.00K-3.96M-789.00K-386.00K
Diluted EPS --0.01-0.79-0.16-0.08

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -242.22M-264.21M256.78M278.69M266.65M
Current Assets -------
Cash & Equivalents -31.87M-17.62M33.38M54.98M35.29M
Inventory -------
Receivables ---852.00K758.00K870.00K925.00K
Total Liabilities -195.49M-183.66M179.23M202.20M186.67M
Current Liabilities -------
Long Term Debt ---31.64M32.77M31.83M27.59M
Total Debt ---31.64M32.77M31.83M27.59M
Total Equity 45.76M46.73M-80.54M77.55M76.49M79.97M
Shares Outstanding ---5.40M5.59M5.60M5.60M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -620.00K-2.99M431.00K9.43M4.05M
Investing Cash Flow -5.93M--44.48M24.95M-8.16M-9.77M
Financing Cash Flow 6.04M--66.97M-7.14M20.82M-13.72M
Capital Expenditure -104.00K--215.00K-516.00K-319.00K-104.00K
Free Cash Flow -724.00K-2.77M-85.00K9.11M3.95M
Net Change in Cash ---108.46M18.24M22.09M-19.44M
Share Buybacks --02.38M970.00K0

Ratios (Annual)

Figures in %.

Metric Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------
Operating Margin % ------
Net Margin % -43.9%-0.4%-79.9%-9.0%-4.1%
ROE % -0.2%-0.0%-5.1%-1.0%-0.5%
ROCE % ------

Shareholding Pattern

Insiders
15.96%
Institutions
25.62%
Public Float
30.49%

Top Institutional Holders

#Holder% HeldSharesValue
1 Alliancebernstein L.P. 9.83% 516.46K $7.26M
2 Vanguard Capital Management LLC 3.84% 201.76K $2.84M
3 Graham Capital Wealth Management, LLC 2.08% 109.47K $1.54M
4 Yakira Capital Management, Inc. 1.78% 93.63K $1.32M
5 Focus Partners Wealth 1.37% 72.11K $1.01M
6 Raffles Associates Lp 1.08% 56.59K $795.64K
7 Creative Planning 0.86% 45.00K $632.70K
8 Geode Capital Management, LLC 0.71% 37.51K $527.40K
9 Roberts, Glore & Co., Inc. 0.69% 36.50K $513.13K
10 Renaissance Technologies, LLC 0.58% 30.50K $428.83K

Analyst View

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Latest News

Recent headlines for NSTS

Yahoo Finance hu, 09 Apr 2026

NSTS Bancorp, Inc. Announces Passing of Nathan E. Walker, Chief Executive Officer and President of North Shore Trust and Savings

WAUKEGAN, Ill., April 09, 2026 (GLOBE NEWSWIRE) -- NSTS Bancorp, Inc. (the “Company”), the holding company for North Shore Trust and Savings (the “Bank”), announced today the recent passing of Nathan E. Walker, Chief Executive Officer and P…

Yahoo Finance ue, 12 May 2026

BROOKFIELD BANCSHARES, INC. AND FIRST NATIONAL BANK OF BROOKFIELD ANNOUNCE EXECUTION OF MERGER AGREEMENT TO ACQUIRE NSTS BANCORP, INC. AND NORTH SHORE TRUST AND SAVINGS

BROOKFIELD, Ill. and WAUKEGAN, Ill., May 12, 2026 (GLOBE NEWSWIRE) -- Brookfield Bancshares, Inc. (“Brookfield”), the holding company for First National Bank of Brookfield (“FNBB”), and NSTS Bancorp, Inc. (NASDAQ: NSTS) (“NSTS”), the holdin…

NSTS — Frequently Asked Questions

What is the current share price of NSTS Bancorp, Inc. (NSTS)?

As of 2026-09-19 21:16 PDT, NSTS Bancorp, Inc. (NSTS) trades at $14.14 on NasdaqCM. Its 52-week range is $10.83 to $14.14.

What is the market capitalisation of NSTS?

NSTS Bancorp, Inc. (NSTS) has a market capitalisation of $69.54M on NasdaqCM.

What is the P/E ratio of NSTS?

NSTS trades at a trailing price-to-earnings (P/E) ratio of -1,414.00. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.86.

What is the return on equity (ROE) of NSTS?

NSTS has a return on equity (ROE) of -0.05%.

Is NSTS a good stock to buy?

This page provides a data-driven analysis of NSTS Bancorp, Inc. (NSTS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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