NSTS Bancorp, Inc. (NSTS) 10-Year Financial Performance & Capital Metrics

NSTS • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community Banks

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 Margin 2.53% +4.6%
Efficiency Ratio 79.02% -34.0%
ROA -0.29% +80.6%
Equity / Assets 27.45% -9.1%
Book Value per Share 15.57 +0.5%
Tangible BV/Share 15.57 +0.5%
Debt/Equity 0.42 -1.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Well capitalized: 27.4% equity/assets
✓Trading at only 0.8x book value

✗Weaknesses

✗High cost structure: 79.0% efficiency ratio

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y9.12%

3Y25.29%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM87.43%

EPS CAGR

10Y-

5Y-

3Y-

TTM86.95%

ROCE

10Y Avg-0.63%

5Y Avg-0.85%

3Y Avg-1.06%

Latest-0.69%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	5.29M	4.54M	4.1M	5.58M	6.22M	7.06M
NII Growth %	-	-0.14%	-0.1%	0.36%	0.11%	0.14%
Net Interest Margin %	-	-	-	-	-	-
Interest Income	7.01M	6.01M	5.04M	6.35M	7.73M	10.3M
Interest Expense	1.73M	1.49M	940K	764K	1.51M	3.24M
Loan Loss Provision	96.95K	464.26K	-23K	-230K	176K	71K
Non-Interest Income+	766.09K	1.46M	1.08M	1.15M	-1.27M	1.73M
Non-Interest Income %	-	-	-	-	-	-
Total Revenue+	7.78M	7.47M	6.12M	7.5M	6.46M	12.03M
Revenue Growth %	-	-0.04%	-0.18%	0.23%	-0.14%	0.86%
Non-Interest Expense	5.63M	6.14M	5.47M	6.79M	7.74M	9.51M
Efficiency Ratio	-	-	-	-	-	-
Operating Income+	328.07K	-615K	-269K	173K	-2.96M	-789K
Operating Margin %	-	-	-	-	-	-
Operating Income Growth %	-	-2.87%	0.56%	1.64%	-18.1%	0.73%
Pretax Income+	328.07K	-615K	-269K	173K	-2.96M	-789K
Pretax Margin %	-	-	-	-	-	-
Income Tax+	-85.74K	-503K	-214K	146K	999K	0
Effective Tax Rate %	-	-	-	-	-	-
Net Income+	413.81K	-112K	-55K	27K	-3.96M	-789K
Net Margin %	-	-	-	-	-	-
Net Income Growth %	-	-1.27%	0.51%	1.49%	-147.56%	0.8%
Net Income (Continuing)	413.81K	-112K	-55K	27K	-3.96M	-789K
EPS (Diluted)+	0.08	-0.02	-0.01	0.01	-0.79	-0.16
EPS Growth %	-	-1.27%	0.51%	1.98%	-80%	0.8%
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

Balance Sheet

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	52.55M	44.3M	125.08M	17.62M	33.38M	54.98M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	166.97M	182.05M	197.59M	224.56M	203.14M	202.82M
Investments Growth %	-	0.09%	0.09%	0.14%	-0.1%	-0%
Long-Term Investments	98.4M	100.43M	96.64M	103.36M	198.87M	201.82M
Accounts Receivables	636.32K	672K	641K	852K	758K	870K
Goodwill & Intangibles+	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0
PP&E (Net)	5.4M	5.21M	5.09M	5.04M	5.29M	5.31M
Other Assets	9.99M	9.98M	12.47M	16.13M	14.22M	14.71M
Total Current Assets	121.76M	126.6M	226.67M	139.68M	38.4M	56.84M
Total Non-Current Assets	113.79M	115.62M	114.2M	124.53M	218.37M	221.84M
Total Assets+	235.55M	242.22M	340.87M	264.21M	256.78M	278.69M
Asset Growth %	-	0.03%	0.41%	-0.22%	-0.03%	0.09%
Return on Assets (ROA)	0%	-0%	-0%	0%	-0.02%	-0%
Accounts Payable	0	0	0	0	0	0
Total Debt+	20.05M	30.1M	122.02M	31.64M	32.77M	31.83M
Net Debt	-32.5M	-14.21M	-3.06M	14.01M	-609K	-23.15M
Long-Term Debt	20.05M	30.1M	122.02M	31.64M	32.77M	31.83M
Short-Term Debt	0	0	0	0	0	0
Other Liabilities	0	0	0	0	4.02M	5.3M
Total Current Liabilities	169.73M	165.4M	173.66M	152.03M	142.44M	165.07M
Total Non-Current Liabilities	20.05M	30.1M	122.02M	31.64M	36.79M	37.13M
Total Liabilities	189.78M	195.49M	295.69M	183.66M	179.23M	202.2M
Total Equity+	45.76M	46.73M	45.18M	80.54M	77.55M	76.49M
Equity Growth %	-	0.02%	-0.03%	0.78%	-0.04%	-0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-
Return on Equity (ROE)	0.01%	-0%	-0%	0%	-0.05%	-0.01%
Book Value per Share	8.48	8.66	8.37	17.03	15.50	15.57
Tangible BV per Share	-	-	-	-	-	-
Common Stock	0	0	0	54K	56K	56K
Additional Paid-in Capital	0	0	0	50.42M	50.92M	51.68M
Retained Earnings	45.43M	45.32M	45.26M	45.29M	41.05M	40.27M
Accumulated OCI	333.19K	1.41M	-81K	-11.13M	-8.22M	-8.61M
Treasury Stock	0	0	0	0	-2.38M	-3.24M
Preferred Stock	0	0	0	0	0	0

Cash Flow

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.74M	-620K	1.45M	2.99M	431K	9.43M
Operating CF Growth %	-	-1.36%	3.34%	1.06%	-0.86%	20.89%
Net Income	413.81K	-112K	-55K	27K	-3.96M	-789K
Depreciation & Amortization	284.36K	290.44K	268K	267K	266K	293K
Deferred Taxes	0	0	0	0	0	0
Other Non-Cash Items	586.56K	-193K	2.83M	1.66M	1.94M	7.91M
Working Capital Changes	458.39K	-605K	-1.59M	786K	1.47M	1.04M
Cash from Investing+	3.77M	-5.93M	-11.85M	-44.48M	24.95M	-8.16M
Purchase of Investments	-6.76M	-38.63M	-48.97M	-59.53M	0	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0
Other Investing	-148.37K	6.49M	10.89M	-7.6M	-15.33M	-17.68M
Cash from Financing+	8.19M	6.04M	100.14M	-66.97M	-7.14M	20.82M
Dividends Paid	0	0	0	0	0	0
Share Repurchases	0	0	0	0	-2.38M	-1.08M
Stock Issued	0	0	0	49.44M	0	0
Net Stock Activity	-	-	-	-	-	-
Debt Issuance (Net)	0	1000K	1000K	-1000K	1000K	0
Other Financing	8.19M	2.04M	99.14M	-107.1M	-9.76M	21.9M
Net Change in Cash+	13.71M	-511K	89.74M	-108.46M	18.24M	22.09M
Exchange Rate Effect	0	0	0	0	0	0
Cash at Beginning	18.67M	32.38M	31.87M	121.61M	13.15M	31.39M
Cash at End	32.38M	31.87M	121.61M	13.15M	31.39M	53.48M
Interest Paid	0	1.54M	0	0	0	0
Income Taxes Paid	0	37K	0	0	0	0
Free Cash Flow+	1.63M	-724K	1.31M	2.77M	-85K	9.11M
FCF Growth %	-	-1.44%	2.81%	1.12%	-1.03%	108.22%

Banking Ratios

Metric	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	0.9%	-0.24%	-0.12%	0.04%	-5.01%	-1.02%
Return on Assets (ROA)	0.18%	-0.05%	-0.02%	0.01%	-1.52%	-0.29%
Net Interest Margin	2.24%	1.87%	1.2%	2.11%	2.42%	2.53%
Efficiency Ratio	72.35%	82.11%	89.41%	90.57%	119.72%	79.02%
Equity / Assets	19.43%	19.29%	13.26%	30.48%	30.2%	27.45%
Book Value / Share	8.48	8.66	8.37	17.03	15.5	15.57
NII Growth	-	-14.2%	-9.64%	36.26%	11.39%	13.52%

Frequently Asked Questions

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.

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