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NSTS Bancorp, Inc. (NSTS) Total Return Calculator with Dividends Reinvested

NSTS Bancorp, Inc.

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The total return for NSTS Bancorp, Inc. (NSTS) stock is +8.23% over the past 12 months. So far it's up 0.24% this year. The 5-year total return is +1.27%, meaning $10,000 invested in NSTS stock 5 years ago would be worth $10,127 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in NSTS 1 year ago, it would be worth $10,823 today — you'd have gained $823.

With Dividends Reinvested$10,823+8.23%

Price Only (No DRIP)$10,823+8.23%

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in NSTS

1Y$10,823+$823 (+8.2%)8.2% CAGR

3Y$15,179+$5,179 (+51.8%)14.9% CAGR

5Y$10,127+$127 (+1.3%)0.3% CAGR

10Y$10,127+$127 (+1.3%)0.1% CAGR

15Y$10,127+$127 (+1.3%)0.1% CAGR

20Y$10,127+$127 (+1.3%)0.1% CAGR

30Y$10,127+$127 (+1.3%)0.0% CAGR

NSTS Bancorp, Inc. did not pay dividends during this period. Total return = price return.

Loading NSTS total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+0.24%	—	+0.24%	—	$10,024
1Y	+8.23%	8.23%	+8.23%	—	$10,823
3Y	+51.79%	14.92%	+51.79%	—	$15,179
5Y	+1.27%	0.25%	+1.27%	—	$10,127
10Y	+1.27%	0.13%	+1.27%	—	$10,127
15Y	+1.27%	0.08%	+1.27%	—	$10,127
20Y	+1.27%	0.06%	+1.27%	—	$10,127
30Y	+1.27%	0.04%	+1.27%	—	$10,127

Risk & Highlights

Best Year+24.08%2024

Worst Year-19.54%2022

Max Drawdown-13.36%2025-05-28 → 2025-10-22 · Recovered 2025-12-31

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-3.69%	-3.69%	—	+0.41%	-4.1pp
2025	+8.37%	+8.37%	—	+16.64%	-8.3pp
2024	+24.08%	+24.08%	—	+24.00%	+0.1pp
2023	-6.12%	-6.12%	—	+24.81%	-30.9pp
2022	-19.54%	-19.54%	—	-19.95%	+0.4pp

NSTS underperformed the S&P 500 by 23.09pp over the past year (+8.23% vs +31.32%).

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NSTS Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
NSTSNSTS Bancorp, Inc.	$67M	+8.4%	+0.2%	+8.2%	—	+51.8%	+1.3%	+1.3%
CZWICitizens Community Bancorp, Inc.	$203M	+4.6%	+21.3%	+42.9%	+0.7pp	+159.5%	+73.4%	+156.6%
NECBNortheast Community Bancorp, Inc.	$337M	+1.1%	+8.8%	+10.1%	+4.3pp	+106.7%	+119.8%	+458.0%
HONEHarborOne Bancorp, Inc.	$522M	—	—	+7.6%	+1.6pp	+58.9%	-5.5%	+88.3%
NWFLNorwood Financial Corp.	$278M	-0.8%	+10.0%	+23.2%	+4.9pp	+31.0%	+44.2%	+116.3%
KRNYKearny Financial Corp.	$510M	+4.8%	+13.4%	+35.4%	+8.6pp	+33.1%	-20.3%	-7.0%
BWFGBankwell Financial Group, Inc.	$417M	+5.0%	+16.6%	+58.9%	+2.4pp	+145.4%	+96.1%	+178.0%
CFFNCapitol Federal Financial, Inc.	$1.0B	+6.8%	+20.2%	+45.8%	+6.7pp	+61.1%	-18.3%	+11.9%
FHNFirst Horizon Corporation	$12.2B	+7.7%	+4.6%	+38.3%	+3.3pp	+151.3%	+47.8%	+123.2%
JKHYJack Henry & Associates, Inc.	$10.3B	-9.6%	-19.5%	-15.6%	+1.4pp	-3.0%	-3.2%	+92.3%
HIFSHingham Institution for Savings	$632M	+0.9%	+7.3%	+16.9%	+1.3pp	+63.5%	-1.8%	+141.9%

Compare:NSTS vs CZWI NSTS vs NECB NSTS vs HONE NSTS vs CZWI vs NECB

About NSTS Dividend Returns

NSTS Bancorp, Inc. (NSTS) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of NSTS over the past year?

NSTS Bancorp, Inc. (NSTS) delivered a return of 8.23% over the past year. Since NSTS does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in NSTS be worth today?

A $10,000 investment in NSTS Bancorp, Inc. one year ago would be worth $10,823 today, representing a gain of $823.

Q3Does NSTS pay dividends?

NSTS Bancorp, Inc. (NSTS) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For NSTS, the total return equals the price-only return.

Q4Did NSTS beat the S&P 500?

No, NSTS Bancorp, Inc. (NSTS) underperformed the S&P 500 by 23.09 percentage points over the past year. NSTS delivered a total return of 8.23%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed NSTS by 23.09pp during this period.

Q5What is NSTS's worst drawdown?

NSTS Bancorp, Inc. (NSTS) experienced a maximum drawdown of -13.36% over the past year, declining from its peak on 2025-05-28 to its trough on 2025-10-22. The stock recovered to its prior peak by 2025-12-31. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is NSTS's long-term total return over 10, 20, or 30 years?

Here are NSTS Bancorp, Inc. (NSTS)'s long-term returns with dividends reinvested. Over 10 years, the total return is 1.3% (0.1% CAGR) — $10,000 would have grown to $10,127. Over 20 years: 1.3% total return (0.1% CAGR) — $10,000 → $10,127. Over 30 years: 1.3% total return (0.0% CAGR) — $10,000 → $10,127. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was NSTS's best and worst year?

NSTS Bancorp, Inc.'s best calendar year was 2024 with a total return of 24.1%. Its worst year was 2022 with a total return of -19.5%. This range shows the volatility investors should expect — the difference between the best and worst year is 43.6 percentage points.