NSTS Bancorp, Inc.(NSTS)Earnings, Financials & Key Ratios
NSTS•NASDAQ•Banking & Credit
$12.59
$66M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutNSTS 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 checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate, construction, home equity, and consumer loans. It operates through a main banking office in Waukegan, Illinois; and two full-service branch offices located in Waukegan and Lindenhurst, Illinois, as well as a loan production office in Chicago, Illinois. The company was founded in 1921 and is headquartered in Waukegan, Illinois.Show more
- Net Interest Income$7M+13.5%
- Total Revenue$12M+86.2%
- Net Income-$789K+80.1%
- Return on Equity-1.02%+79.5%
- Net Interest Margin2.53%+4.6%
- Efficiency Ratio79.02%-34.0%
- ROA-0.29%+80.6%
- Equity / Assets27.45%-9.1%
- Book Value per Share15.57+0.5%
- Tangible BV/Share15.57+0.5%
- Debt/Equity0.42-1.5%
NSTS Key Insights
NSTS Bancorp, Inc. (NSTS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Well capitalized: 27.4% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 0.8x book value
✗Weaknesses
- ✗High cost structure: 79.0% efficiency ratio
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
NSTS Price & Volume
NSTS Bancorp, Inc. (NSTS) stock price & volume — 10-year historical chart
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NSTS Growth Metrics
NSTS Bancorp, Inc. (NSTS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years9.12%
3 Years25.29%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM87.43%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM86.95%
Return on Capital
10 Years-0.63%
5 Years-0.85%
3 Years-1.06%
Last Year-0.69%
NSTS Peer Comparison
NSTS Bancorp, Inc. (NSTS) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 203.55M | 21.14 | 14.48 | -9.41% | 16.01% | 7.81% | 5.1% | 0.28 |
 NECB | 334.37M | 24.17 | 7.44 | -1.55% | 28.22% | 13.07% | 15.21% | 0.21 |
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 8.74% | 4.56% | 0.5% | 0.90 |
 NWFL | 275.72M | 29.87 | 9.86 | 34.22% | 20.39% | 12.03% | 10.49% | 0.31 |
 KRNY | 510.61M | 8.12 | 19.33 | 5.09% | 7.59% | 4.31% | 4.19% | 1.68 |
 BWFG | 414.69M | 52.01 | 11.69 | 6.13% | 16.95% | 12.21% | 6.3% | 0.60 |
 CFFN | 1.01B | 7.78 | 14.96 | 10.03% | 16.3% | 6.99% | 4.93% | 1.86 |
 FHN | 12.02B | 24.78 | 13.18 | 0.97% | 19.72% | 10.74% | 5.23% | 0.50 |
Compare NSTS vs Peers
NSTS Bancorp, Inc. (NSTS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NSTS Income Statement
NSTS Bancorp, Inc. (NSTS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 5.29M | 4.54M | 4.1M | 5.58M | 6.22M | 7.06M | 7.32M |
| NII Growth % | - | -14.2% | -9.64% | 36.26% | 11.39% | 13.52% | 31.65% |
| Net Interest Margin % | 2.24% | 1.87% | 1.2% | 2.11% | 2.42% | 2.53% | 2.71% |
| Interest Income | 7.01M | 6.01M | 5.04M | 6.35M | 7.73M | 10.3M | 10.99M |
| Interest Expense | 1.73M | 1.49M | 940K | 764K | 1.51M | 3.24M | 3.67M |
| Loan Loss Provision | 96.95K | 464.26K | -23K | -230K | 176K | 71K | -101K |
| Non-Interest Income | 766.09K | 1.46M | 1.08M | 1.15M | -1.27M | 1.73M | 2.04M |
| Non-Interest Income % | 9.85% | 19.57% | 17.65% | 15.34% | -19.61% | 14.37% | 15.63% |
| Total Revenue | 7.78M▲ 0% | 7.47M▼ 3.9% | 6.12M▼ 18.1% | 7.5M▲ 22.6% | 6.46M▼ 13.8% | 12.03M▲ 86.2% | 13.02M▲ 0% |
| Revenue Growth % | - | -3.92% | -18.13% | 22.56% | -13.83% | 86.24% | 686.28% |
| Non-Interest Expense | 5.63M | 6.14M | 5.47M | 6.79M | 7.74M | 9.51M | 10.03M |
| Efficiency Ratio | 72.35% | 82.11% | 89.41% | 90.57% | 119.72% | 79.02% | 76.98% |
| Operating Income | 328.07K▲ 0% | -615K▼ 287.5% | -269K▲ 56.3% | 173K▲ 164.3% | -2.96M▼ 1809.8% | -789K▲ 73.3% | -567K▲ 0% |
| Operating Margin % | 4.22% | -8.23% | -4.4% | 2.31% | -45.78% | -6.56% | -4.35% |
| Operating Income Growth % | - | -287.46% | 56.26% | 164.31% | -1809.83% | 73.33% | - |
| Pretax Income | 328.07K▲ 0% | -615K▼ 287.5% | -269K▲ 56.3% | 173K▲ 164.3% | -2.96M▼ 1809.8% | -789K▲ 73.3% | -567K▲ 0% |
| Pretax Margin % | 4.22% | -8.23% | -4.4% | 2.31% | -45.78% | -6.56% | -4.35% |
| Income Tax | -85.74K | -503K | -214K | 146K | 999K | 0 | 0 |
| Effective Tax Rate % | -26.13% | 81.79% | 79.55% | 84.39% | -33.77% | 0% | 0% |
| Net Income | 413.81K▲ 0% | -112K▼ 127.1% | -55K▲ 50.9% | 27K▲ 149.1% | -3.96M▼ 14755.6% | -789K▲ 80.1% | -567K▲ 0% |
| Net Margin % | 5.32% | -1.5% | -0.9% | 0.36% | -61.24% | -6.56% | -4.35% |
| Net Income Growth % | - | -127.07% | 50.89% | 149.09% | -14755.56% | 80.06% | 87.43% |
| Net Income (Continuing) | 413.81K | -112K | -55K | 27K | -3.96M | -789K | -567K |
| EPS (Diluted) | 0.08▲ 0% | -0.02▼ 127.0% | -0.01▲ 50.7% | 0.01▲ 198.0% | -0.79▼ 8000.0% | -0.16▲ 79.7% | -0.12▲ 0% |
| EPS Growth % | - | -126.99% | 50.72% | 198.04% | -8000% | 79.75% | 86.95% |
| EPS (Basic) | 0.08 | -0.02 | -0.01 | 0.01 | -0.79 | -0.16 | - |
| Diluted Shares Outstanding | 5.4M | 5.4M | 5.4M | 4.73M | 5M | 4.91M | 4.91M |
NSTS Balance Sheet
NSTS Bancorp, Inc. (NSTS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 121.12M | 125.92M | 226.03M | 138.83M | 37.64M | 55.98M | 201.92M |
| Cash & Due from Banks | 52.55M | 44.3M | 125.08M | 17.62M | 33.38M | 54.98M | 35.38M |
| Short Term Investments | 68.57M | 81.62M | 100.95M | 121.2M | 4.26M | 1M | 796K |
| Total Investments | 166.97M | 182.05M | 197.59M | 224.56M | 203.14M | 202.82M | 214.6M |
| Investments Growth % | - | 9.03% | 8.54% | 13.65% | -9.54% | -0.16% | -3.04% |
| Long-Term Investments | 98.4M | 100.43M | 96.64M | 103.36M | 198.87M | 201.82M | 823.79M |
| Accounts Receivables | 636.32K | 672K | 641K | 852K | 758K | 870K | 915K |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 5.4M | 5.21M | 5.09M | 5.04M | 5.29M | 5.31M | 5.18M |
| Other Assets | 9.99M | 9.98M | 12.47M | 16.13M | 14.22M | 14.71M | 13.77M |
| Total Current Assets | 121.76M | 126.6M | 226.67M | 139.68M | 38.4M | 56.84M | 37.09M |
| Total Non-Current Assets | 113.79M | 115.62M | 114.2M | 124.53M | 218.37M | 221.84M | 232.75M |
| Total Assets | 235.55M▲ 0% | 242.22M▲ 2.8% | 340.87M▲ 40.7% | 264.21M▼ 22.5% | 256.78M▼ 2.8% | 278.69M▲ 8.5% | 269.84M▲ 0% |
| Asset Growth % | - | 2.83% | 40.73% | -22.49% | -2.81% | 8.53% | 19.3% |
| Return on Assets (ROA) | 0.18% | -0.05% | -0.02% | 0.01% | -1.52% | -0.29% | -0.21% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 20.05M | 30.1M | 122.02M | 31.64M | 32.77M | 31.83M | 25.5M |
| Net Debt | -32.5M | -14.21M | -3.06M | 14.01M | -609K | -23.15M | -9.88M |
| Long-Term Debt | 20.05M | 30.1M | 122.02M | 31.64M | 32.77M | 31.83M | 25.5M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 | 0 | 4.02M | 5.3M | 3.6M |
| Total Current Liabilities | 169.73M | 165.4M | 173.66M | 152.03M | 142.44M | 165.07M | 161.8M |
| Total Non-Current Liabilities | 20.05M | 30.1M | 122.02M | 31.64M | 36.79M | 37.13M | 29.1M |
| Total Liabilities | 189.78M | 195.49M | 295.69M | 183.66M | 179.23M | 202.2M | 190.9M |
| Total Equity | 45.76M▲ 0% | 46.73M▲ 2.1% | 45.18M▼ 3.3% | 80.54M▲ 78.3% | 77.55M▼ 3.7% | 76.49M▼ 1.4% | 78.94M▲ 0% |
| Equity Growth % | - | 2.1% | -3.3% | 78.26% | -3.72% | -1.36% | 1.67% |
| Equity / Assets (Capital Ratio) | 19.43% | 19.29% | 13.26% | 30.48% | 30.2% | 27.45% | 29.25% |
| Return on Equity (ROE) | 0.9% | -0.24% | -0.12% | 0.04% | -5.01% | -1.02% | -0.72% |
| Book Value per Share | 8.48 | 8.66 | 8.37 | 17.03 | 15.50 | 15.57 | 16.08 |
| Tangible BV per Share | 8.48 | 8.66 | 8.37 | 17.03 | 15.50 | 15.57 | 16.08 |
| Common Stock | 0 | 0 | 0 | 54K | 56K | 56K | 56K |
| Additional Paid-in Capital | 0 | 0 | 0 | 50.42M | 50.92M | 51.68M | 52.22M |
| Retained Earnings | 45.43M | 45.32M | 45.26M | 45.29M | 41.05M | 40.27M | 39.74M |
| Accumulated OCI | 333.19K | 1.41M | -81K | -11.13M | -8.22M | -8.61M | -6.22M |
| Treasury Stock | 0 | 0 | 0 | 0 | -2.38M | -3.24M | -3.35M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
NSTS Cash Flow Statement
NSTS Bancorp, Inc. (NSTS) cash flow — operating, investing & free cash flow history
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.74M | -620K | 1.45M | 2.99M | 431K | 9.43M | 9.43M |
| Operating CF Growth % | - | -135.57% | 334.19% | 105.85% | -85.58% | 2088.63% | 10872% |
| Net Income | 413.81K | -112K | -55K | 27K | -3.96M | -789K | -567K |
| Depreciation & Amortization | 284.36K | 290.44K | 268K | 267K | 266K | 293K | 301K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 949K |
| Other Non-Cash Items | 586.56K | -193K | 2.83M | 1.66M | 1.94M | 7.91M | 7.49M |
| Working Capital Changes | 458.39K | -605K | -1.59M | 786K | 1.47M | 1.04M | 1.18M |
| Cash from Investing | 3.77M | -5.93M | -11.85M | -44.48M | 24.95M | -8.16M | -11.63M |
| Purchase of Investments | -6.76M | -38.63M | -48.97M | -59.53M | 0 | 0 | -10.85M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 2M |
| Net Investment Activity | -5.76M | -37.63M | -47.97M | -58.53M | 1000K | 1000K | -8.85M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -148.37K | 6.49M | 10.89M | -7.6M | -15.33M | -17.68M | -3.11M |
| Cash from Financing | 8.19M | 6.04M | 100.14M | -66.97M | -7.14M | 20.82M | 976K |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -2.38M | -1.08M | -679K |
| Stock Issued | 0 | 0 | 0 | 49.44M | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | 49.44M | -2.38M | -1.08M | -679K |
| Debt Issuance (Net) | 0 | 1000K | 1000K | -1000K | 1000K | 0 | 0 |
| Other Financing | 8.19M | 2.04M | 99.14M | -107.1M | -9.76M | 21.9M | 1.66M |
| Net Change in Cash | 13.71M▲ 0% | -511K▼ 103.7% | 89.74M▲ 17662.2% | -108.46M▼ 220.9% | 18.24M▲ 116.8% | 22.09M▲ 21.1% | -457K▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 18.67M | 32.38M | 31.87M | 121.61M | 13.15M | 31.39M | 47.49M |
| Cash at End | 32.38M | 31.87M | 121.61M | 13.15M | 31.39M | 53.48M | 34.13M |
| Interest Paid | 0 | 1.54M | 0 | 0 | 0 | 0 | 1.9M |
| Income Taxes Paid | 0 | 37K | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 1.63M▲ 0% | -724K▼ 144.4% | 1.31M▲ 280.9% | 2.77M▲ 111.8% | -85K▼ 103.1% | 9.11M▲ 10822.4% | 10.06M▲ 0% |
| FCF Growth % | - | -144.44% | 280.94% | 111.76% | -103.06% | 10822.35% | 2201.25% |
NSTS Banking Ratios
NSTS Bancorp, Inc. (NSTS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -0.24% | -0.12% | 0.04% | -5.01% | -1.02% | -0.72% |
| Return on Assets (ROA) | -0.05% | -0.02% | 0.01% | -1.52% | -0.29% | -0.21% |
| Net Interest Margin | 1.87% | 1.2% | 2.11% | 2.42% | 2.53% | 2.71% |
| Efficiency Ratio | 82.11% | 89.41% | 90.57% | 119.72% | 79.02% | 76.98% |
| Equity / Assets | 19.29% | 13.26% | 30.48% | 30.2% | 27.45% | 29.25% |
| Book Value / Share | 8.66 | 8.37 | 17.03 | 15.5 | 15.57 | 16.08 |
| NII Growth | -14.2% | -9.64% | 36.26% | 11.39% | 13.52% | 7.52% |
| Dividend Payout | - | - | - | - | - | 0% |
NSTS Frequently Asked Questions
NSTS Bancorp, Inc. (NSTS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
NSTS Bancorp, Inc. (NSTS) grew revenue by 86.2% over the past year. This is strong growth.
NSTS Bancorp, Inc. (NSTS) reported a net loss of $0.6M for fiscal year 2024.
Dividend & Returns
NSTS Bancorp, Inc. (NSTS) has a return on equity (ROE) of -1.0%. Negative ROE indicates the company is unprofitable.
Industry Metrics
NSTS Bancorp, Inc. (NSTS) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
NSTS Bancorp, Inc. (NSTS) has an efficiency ratio of 79.0%. This is higher than peers, suggesting room for cost optimization.
Explore More NSTS
NSTS Bancorp, Inc. (NSTS) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates