8-K Announcements
6Material company update
May 12, 2026·SEC
Material company update
Apr 9, 2026·SEC
Material company update
Jun 18, 2025·SEC
NSTS Bancorp, Inc.(NSTS)Earnings, Financials & Key Ratios
NSTS•NASDAQ•Banking & Credit
Price updated Jun 19, 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+5.7%
- Total Revenue$13M+10.2%
- Net Income-$386K+51.1%
- Return on Equity-0.49%+51.8%
- Net Interest Margin2.8%+10.5%
- Efficiency Ratio77.75%-1.6%
- ROA-0.14%+52.0%
- Equity / Assets29.99%+9.3%
- Book Value per Share16.36+5.1%
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: 30.0% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 0.8x book value
✗Weaknesses
- ✗Profits declining 28.1% over 5 years
- ✗High cost structure: 77.7% efficiency ratio
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Get notified when NSTS posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
NSTS Price & Volume
NSTS Bancorp, Inc. (NSTS) stock price & volume — 10-year historical chart
Loading chart...
NSTS Growth Metrics
NSTS Bancorp, Inc. (NSTS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years12.16%
3 Years20.94%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM88.86%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM88.97%
Return on Capital
10 Years-0.59%
5 Years-0.75%
3 Years-1.22%
Last Year-0.34%
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 | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 NECB | 356.09M | 25.74 | 7.92 | -1.55% | 28.41% | 13.07% | 0.21 | |
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 8.56% | 4.56% | 0.90 | |
 NWFL | 284.03M | 30.77 | 10.16 | 34.22% | 20.39% | 12.03% | 0.31 | |
 KRNY | 532.62M | 8.47 | 20.17 | 5.09% | 9.41% | 4.31% | 1.68 | |
 BWFG | 447.93M | 56.18 | 12.62 | 6.13% | 16.95% | 12.21% | 0.60 | |
 CFFN | 1.05B | 8.08 | 15.54 | 10.03% | 17.07% | 6.99% | 1.86 | |
 FHN | 12.31B | 24.81 | 13.20 | 0.97% | 19.99% | 10.71% | 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
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Net Interest Income | 5.29M | 4.54M | 4.1M | 5.58M | 6.22M | 7.06M | 7.46M | 7.49M |
NII Growth % | - | -14.2% | -9.64% | 36.26% | 11.39% | 13.52% | 5.69% | 16.93% |
Net Interest Margin % | 2.24% | 1.87% | 1.2% | 2.11% | 2.42% | 2.53% | 2.8% | 2.77% |
Interest Income | 7.01M | 6.01M | 5.04M | 6.35M | 7.73M | 10.3M | 10.99M | 10.83M |
Interest Expense | 1.73M | 1.49M | 940K | 764K | 1.51M | 3.24M | 3.53M | 3.34M |
Loan Loss Provision | 96.95K | 464.26K | -23K | -230K | 176K | 71K | -192K | -181K |
Non-Interest Income | 766.09K | 1.46M | 1.08M | 1.15M | -1.27M | 1.73M | 2.27M | 2.45M |
Non-Interest Income % | 9.85% | 19.57% | 17.65% | 15.34% | -19.61% | 14.37% | 17.13% | 18.43% |
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% | 13.27M▲ 10.2% | 13.27M▲ 0% |
Revenue Growth % | - | -3.92% | -18.13% | 22.56% | -13.83% | 86.24% | 10.24% | 31.12% |
Non-Interest Expense | 5.63M | 6.14M | 5.47M | 6.79M | 7.74M | 9.51M | 10.31M | 10.21M |
Efficiency Ratio | 72.35% | 82.11% | 89.41% | 90.57% | 119.72% | 79.02% | 77.75% | 76.94% |
Operating Income | 328.07K▲ 0% | -615K▼ 287.5% | -269K▲ 56.3% | 173K▲ 164.3% | -2.96M▼ 1809.8% | -789K▲ 73.3% | -386K▲ 51.1% | -97K▲ 0% |
Operating Margin % | 4.22% | -8.23% | -4.4% | 2.31% | -45.78% | -6.56% | -2.91% | -0.73% |
Operating Income Growth % | - | -287.46% | 56.26% | 164.31% | -1809.83% | 73.33% | 51.08% | - |
Pretax Income | 328.07K▲ 0% | -615K▼ 287.5% | -269K▲ 56.3% | 173K▲ 164.3% | -2.96M▼ 1809.8% | -789K▲ 73.3% | -386K▲ 51.1% | -97K▲ 0% |
Pretax Margin % | 4.22% | -8.23% | -4.4% | 2.31% | -45.78% | -6.56% | -2.91% | -0.73% |
Income Tax | -85.74K | -503K | -214K | 146K | 999K | 0 | 0 | 0 |
Effective Tax Rate % | -26.13% | 81.79% | 79.55% | 84.39% | -33.77% | 0% | 0% | 0% |
Net Income | 413.81K▲ 0% | -112K▼ 127.1% | -55K▲ 50.9% | 27K▲ 149.1% | -3.96M▼ 14755.6% | -789K▲ 80.1% | -386K▲ 51.1% | -97K▲ 0% |
Net Margin % | 5.32% | -1.5% | -0.9% | 0.36% | -61.24% | -6.56% | -2.91% | -0.73% |
Net Income Growth % | - | -127.07% | 50.89% | 149.09% | -14755.56% | 80.06% | 51.08% | 88.86% |
Net Income (Continuing) | 413.81K | -112K | -55K | 27K | -3.96M | -789K | -386K | -97K |
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% | -0.08▲ 50.6% | -0.02▲ 0% |
EPS Growth % | - | -126.99% | 50.72% | 198.04% | -8000% | 79.75% | 50.63% | 88.97% |
EPS (Basic) | 0.08 | -0.02 | -0.01 | 0.01 | -0.79 | -0.16 | -0.08 | - |
Diluted Shares Outstanding | 5.4M | 5.4M | 5.4M | 4.73M | 5M | 4.91M | 4.89M | 4.92M |
NSTS Balance Sheet
NSTS Bancorp, Inc. (NSTS) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 121.12M | 125.92M | 226.03M | 138.83M | 37.64M | 55.98M | 36.9M | 172.47M |
Cash & Due from Banks | 52.55M | 44.3M | 125.08M | 17.62M | 33.38M | 54.98M | 35.29M | 44.39M |
Short Term Investments | 68.57M | 81.62M | 100.95M | 121.2M | 4.26M | 1M | 1.61M | 5.07M |
Total Investments | 166.97M | 182.05M | 197.59M | 224.56M | 203.14M | 202.82M | 211.81M | 206.12M |
Investments Growth % | - | 9.03% | 8.54% | 13.65% | -9.54% | -0.16% | 4.43% | 4.83% |
Long-Term Investments | 98.4M | 100.43M | 96.64M | 103.36M | 198.87M | 201.82M | 210.2M | 830.96M |
Accounts Receivables | 636.32K | 672K | 641K | 852K | 758K | 870K | 925K | 918K |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 5.4M | 5.21M | 5.09M | 5.04M | 5.29M | 5.31M | 5.11M | 5.05M |
Other Assets | 9.99M | 9.98M | 12.47M | 16.13M | 14.22M | 14.71M | 13.51M | 13.84M |
Total Current Assets | 121.76M | 126.6M | 226.67M | 139.68M | 38.4M | 56.84M | 37.82M | 50.37M |
Total Non-Current Assets | 113.79M | 115.62M | 114.2M | 124.53M | 218.37M | 221.84M | 228.83M | 219.95M |
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% | 266.65M▼ 4.3% | 270.32M▲ 0% |
Asset Growth % | - | 2.83% | 40.73% | -22.49% | -2.81% | 8.53% | -4.32% | -4.38% |
Return on Assets (ROA) | 0.18% | -0.05% | -0.02% | 0.01% | -1.52% | -0.29% | -0.14% | -0.04% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 20.05M | 30.1M | 122.02M | 31.64M | 32.77M | 31.83M | 27.59M | 28.43M |
Net Debt | -32.5M | -14.21M | -3.06M | 14.01M | -609K | -23.15M | -7.69M | -15.95M |
Long-Term Debt | 20.05M | 30.1M | 122.02M | 31.64M | 32.77M | 31.83M | 27.59M | 28.43M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 0 | 0 | 0 | 0 | 4.02M | 5.3M | 3.6M | 3.81M |
Total Current Liabilities | 169.73M | 165.4M | 173.66M | 152.03M | 142.44M | 165.07M | 155.48M | 158.1M |
Total Non-Current Liabilities | 20.05M | 30.1M | 122.02M | 31.64M | 36.79M | 37.13M | 31.2M | 32.24M |
Total Liabilities | 189.78M | 195.49M | 295.69M | 183.66M | 179.23M | 202.2M | 186.67M | 190.34M |
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% | 79.97M▲ 4.6% | 79.97M▲ 0% |
Equity Growth % | - | 2.1% | -3.3% | 78.26% | -3.72% | -1.36% | 4.55% | 10.18% |
Equity / Assets (Capital Ratio) | 19.43% | 19.29% | 13.26% | 30.48% | 30.2% | 27.45% | 29.99% | 29.59% |
Return on Equity (ROE) | 0.9% | -0.24% | -0.12% | 0.04% | -5.01% | -1.02% | -0.49% | -0.12% |
Book Value per Share | 8.48 | 8.66 | 8.37 | 17.03 | 15.50 | 15.57 | 16.36 | 16.26 |
Tangible BV per Share | 8.48 | 8.66 | 8.37 | 17.03 | 15.50 | 15.57 | 16.36 | 16.26 |
Common Stock | 0 | 0 | 0 | 54K | 56K | 56K | 56K | 56K |
Additional Paid-in Capital | 0 | 0 | 0 | 50.42M | 50.92M | 51.68M | 52.35M | 52.53M |
Retained Earnings | 45.43M | 45.32M | 45.26M | 45.29M | 41.05M | 40.27M | 39.88M | 39.84M |
Accumulated OCI | 333.19K | 1.41M | -81K | -11.13M | -8.22M | -8.61M | -5.76M | -5.96M |
Treasury Stock | 0 | 0 | 0 | 0 | -2.38M | -3.24M | -3.09M | -3.09M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
NSTS Cash Flow Statement
NSTS Bancorp, Inc. (NSTS) cash flow — operating, investing & free cash flow history
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Cash from Operations | 1.74M | -620K | 1.45M | 2.99M | 431K | 9.43M | 4.05M | 12.26M |
Operating CF Growth % | - | -135.57% | 334.19% | 105.85% | -85.58% | 2088.63% | -57.04% | 458.53% |
Net Income | 413.81K | -112K | -55K | 27K | -3.96M | -789K | -386K | -97K |
Depreciation & Amortization | 284.36K | 290.44K | 268K | 267K | 266K | 293K | 302K | 303K |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2K |
Other Non-Cash Items | 586.56K | -193K | 2.83M | 1.66M | 1.94M | 7.91M | 4.63M | 12.95M |
Working Capital Changes | 458.39K | -605K | -1.59M | 786K | 1.47M | 1.04M | -1.42M | -1.71M |
Cash from Investing | 3.77M | -5.93M | -11.85M | -44.48M | 24.95M | -8.16M | -9.77M | -11.84M |
Purchase of Investments | -6.76M | -38.63M | -48.97M | -59.53M | 0 | 0 | -10.85M | -10.85M |
Sale/Maturity of Investments | 10.79M | 26.31M | 26.37M | 22.87M | 40.8M | 9.84M | 6.9M | 2.63M |
Net Investment Activity | 4.03M | -12.32M | -22.6M | -36.66M | 40.8M | 9.84M | -3.95M | -8.22M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -148.37K | 6.49M | 10.89M | -7.6M | -15.33M | -17.68M | -5.71M | -3.52M |
Cash from Financing | 8.19M | 6.04M | 100.14M | -66.97M | -7.14M | 20.82M | -13.72M | -14.48M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | 0 | -2.38M | -1.08M | -114K | -108K |
Stock Issued | 0 | 0 | 0 | 49.44M | 0 | 0 | 215K | 0 |
Net Stock Activity | 0 | 0 | 0 | 49.44M | -2.38M | -1.08M | 101K | -108K |
Debt Issuance (Net) | 0 | 1000K | 1000K | -1000K | 1000K | 0 | -1000K | 0 |
Other Financing | 8.19M | 2.04M | 99.14M | -107.1M | -9.76M | 21.9M | -8.82M | -14.38M |
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% | -19.44M▼ 188.0% | -14.06M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 18.67M | 32.38M | 31.87M | 121.61M | 13.15M | 31.39M | 53.48M | 34.04M |
Cash at End | 32.38M | 31.87M | 121.61M | 13.15M | 31.39M | 53.48M | 34.04M | 43.39M |
Interest Paid | 0 | 1.54M | 0 | 0 | 0 | 0 | 0 | 961K |
Income Taxes Paid | 0 | 37K | 0 | 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% | 3.95M▼ 56.7% | 12.17M▲ 0% |
FCF Growth % | - | -144.44% | 280.94% | 111.76% | -103.06% | 10822.35% | -56.68% | 92.9% |
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 | 2025 | TTM |
|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | -0.24% | -0.12% | 0.04% | -5.01% | -1.02% | -0.49% | -0.12% |
Return on Assets (ROA) | -0.05% | -0.02% | 0.01% | -1.52% | -0.29% | -0.14% | -0.04% |
Net Interest Margin | 1.87% | 1.2% | 2.11% | 2.42% | 2.53% | 2.8% | 2.77% |
Efficiency Ratio | 82.11% | 89.41% | 90.57% | 119.72% | 79.02% | 77.75% | 76.94% |
Equity / Assets | 19.29% | 13.26% | 30.48% | 30.2% | 27.45% | 29.99% | 29.59% |
Book Value / Share | 8.66 | 8.37 | 17.03 | 15.5 | 15.57 | 16.36 | 16.26 |
NII Growth | -14.2% | -9.64% | 36.26% | 11.39% | 13.52% | 5.69% | 4.2% |
Dividend Payout | - | - | - | - | - | - | 0% |
Related:NSTS Dividend History·NSTS Revenue History·NSTS Price History·NSTS P/E History·NSTS Financial Ratios·NSTS Institutional Holders
NSTS SEC Filings & Documents
NSTS Bancorp, Inc. (NSTS) SEC filings — annual & quarterly reports (10-K, 10-Q)
NSTS Frequently Asked Questions
NSTS Bancorp, Inc. (NSTS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
NSTS Bancorp, Inc. (NSTS) grew revenue by 10.2% over the past year. This is steady growth.
NSTS Bancorp, Inc. (NSTS) reported a net loss of $0.1M for fiscal year 2025.
Dividend & Returns
NSTS Bancorp, Inc. (NSTS) has a return on equity (ROE) of -0.5%. Negative ROE indicates the company is unprofitable.
Industry Metrics
NSTS Bancorp, Inc. (NSTS) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
NSTS Bancorp, Inc. (NSTS) has an efficiency ratio of 77.7%. This is higher than peers, suggesting room for cost optimization.