NSTS
NSTS Bancorp, Inc.
Price Chart
Latest Quote
$13.74
+0.00 (+0.00%)
Current Price
| Previous Close | $13.74 |
| Open | $13.75 |
| Day High | $13.75 |
| Day Low | $13.70 |
| Volume | 23,746 |
Stock Information
| Shares Outstanding | 4.83M |
| Cash Equivalents | $44.39M |
| Revenue | $10.26M |
| Net Income | $-97K |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $66.41M |
| EPS (TTM) | $-0.02 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $27.91M |
| Sales | $10.26M |
| Income | $-97K |
| Book/sh | $15.20 |
| Cash/sh | $9.18 |
| Employees | 49 |
Financial Ratios
Returns & Margins
| ROA | -0.03% |
| ROE | -0.12% |
| Operating Margin | -1.54% |
| Profit Margin | -0.95% |
Ownership
| Insider Ownership | 15.94% |
| Institutional Ownership | 23.18% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 6.47 |
| P/B | 0.90 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $13.74 |
| SMA50 | $13.23 |
| SMA200 | $12.18 |
| RSI | 55.56 |
| ATR | 0.0514 |
| Shares Float | 4.88M |
| Short Float | 0.16% |
| Short Ratio | 0.27 |
| Volatility | 0.22 |
| Rel Volume | 0.37 |
Performance History
| Week | -0.07% |
| Month | +0.29% |
| Quarter | +12.90% |
| 6 Months | +16.24% |
| YTD | +8.02% |
| Year | +10.81% |
| 3 Years | +46.79% |
| 10 Years | +9.13% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $13.74 | 5,057 |
| 2026-06-22 | $13.74 | 24,100 |
| 2026-06-18 | $13.74 | 46,600 |
| 2026-06-17 | $13.75 | 12,900 |
| 2026-06-16 | $13.77 | 4,200 |
| 2026-06-15 | $13.75 | 12,700 |
| 2026-06-12 | $13.77 | 3,500 |
| 2026-06-11 | $13.73 | 6,800 |
| 2026-06-10 | $13.72 | 7,700 |
| 2026-06-09 | $13.72 | 1,300 |
| 2026-06-08 | $13.73 | 29,100 |
| 2026-06-05 | $13.72 | 31,800 |
| 2026-06-04 | $13.68 | 14,800 |
| 2026-06-03 | $13.65 | 16,300 |
| 2026-06-02 | $13.71 | 22,100 |
| 2026-06-01 | $13.75 | 1,100 |
| 2026-05-29 | $13.77 | 3,100 |
| 2026-05-28 | $13.77 | 15,400 |
| 2026-05-27 | $13.77 | 8,000 |
| 2026-05-26 | $13.77 | 5,600 |
About NSTS Bancorp, Inc.
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.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $9,434,000 | $8,790,000 | $4,953,000 | $6,734,000 |
| Operating Revenue | $9,434,000 | $8,790,000 | $4,953,000 | $6,734,000 |
| Expenses | ||||
| Interest Expense | $3,530,000 | $3,243,000 | $1,508,000 | $764,000 |
| Other Non Operating Income Expenses | $-557,000 | $-508,000 | $-480,000 | $-497,000 |
| Selling And Marketing Expense | $141,000 | $286,000 | $104,000 | $90,000 |
| General And Administrative Expense | $6,768,000 | $6,393,000 | $5,127,000 | $4,414,000 |
| Professional Expense And Contract Services Expense | $570,000 | $513,000 | $601,000 | $500,000 |
| Other Non Interest Expense | $1,101,000 | $1,026,000 | $684,000 | $632,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-386,000 | $-789,000 | $-3,957,000 | $27,000 |
| Net Interest Income | $7,463,000 | $7,061,000 | $6,220,000 | $5,584,000 |
| Interest Income | $10,993,000 | $10,304,000 | $7,728,000 | $6,348,000 |
| Normalized Income | $-386,000 | $-789,000 | $-3,957,000 | $27,000 |
| Net Income From Continuing And Discontinued Operation | $-386,000 | $-789,000 | $-3,957,000 | $27,000 |
| Net Income Common Stockholders | $-386,000 | $-789,000 | $-3,957,000 | $27,000 |
| Net Income | $-386,000 | $-789,000 | $-3,957,000 | $27,000 |
| Net Income Including Noncontrolling Interests | $-386,000 | $-789,000 | $-3,957,000 | $27,000 |
| Net Income Continuous Operations | $-386,000 | $-789,000 | $-3,957,000 | $27,000 |
| Pretax Income | $-386,000 | $-789,000 | $-2,958,000 | $173,000 |
| Per Share | ||||
| Diluted EPS | $-0.08 | $-0.16 | $-0.79 | $0.01 |
| Basic EPS | $-0.08 | $-0.16 | $-0.79 | $0.01 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $302,000 | $293,000 | $266,000 | $267,000 |
| Diluted Average Shares | $4,887,508 | $4,911,461 | $5,004,498 | $4,729,236 |
| Basic Average Shares | $4,887,508 | $4,911,461 | $5,004,498 | $4,729,236 |
| Diluted NI Availto Com Stockholders | $-386,000 | $-789,000 | $-3,957,000 | $27,000 |
| Tax Provision | $0 | $0 | $999,000 | $146,000 |
| Selling General And Administration | $6,909,000 | $6,679,000 | $5,231,000 | $4,504,000 |
| Insurance And Claims | $292,000 | $239,000 | $217,000 | $203,000 |
| Salaries And Wages | $6,476,000 | $6,154,000 | $4,770,000 | $4,069,000 |
| Occupancy And Equipment | $875,000 | $782,000 | $739,000 | $658,000 |
| Gain On Sale Of Security | - | $0 | $-1,794,000 | $0 |
| Other Gand A | - | $142,000 | $140,000 | $142,000 |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $79,974,000 | $76,490,000 | $77,545,000 | $80,542,000 |
| Total Assets | $266,648,000 | $278,688,000 | $256,776,000 | $264,206,000 |
| Receivables | $925,000 | $870,000 | $758,000 | $852,000 |
| Accounts Receivable | $925,000 | $870,000 | $758,000 | $852,000 |
| Cash And Cash Equivalents | $35,287,000 | $54,975,000 | $33,379,000 | $17,624,000 |
| Cash Financial | $1,242,000 | $1,223,000 | $1,000,000 | $1,583,000 |
| Cash Cash Equivalents And Federal Funds Sold | $35,287,000 | $54,975,000 | $33,379,000 | $17,624,000 |
| Debt | ||||
| Total Debt | $27,595,000 | $31,826,000 | $32,770,000 | $31,636,000 |
| Long Term Debt And Capital Lease Obligation | $27,595,000 | $31,826,000 | $32,770,000 | $31,636,000 |
| Long Term Debt | $27,595,000 | $31,826,000 | $32,770,000 | $31,636,000 |
| Net Debt | - | - | - | $14,012,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $186,674,000 | $202,198,000 | $179,231,000 | $183,664,000 |
| Payables And Accrued Expenses | - | - | - | $3,697,000 |
| Equity | ||||
| Common Stock Equity | $79,974,000 | $76,490,000 | $77,545,000 | $80,542,000 |
| Total Equity Gross Minority Interest | $79,974,000 | $76,490,000 | $77,545,000 | $80,542,000 |
| Stockholders Equity | $79,974,000 | $76,490,000 | $77,545,000 | $80,542,000 |
| Other Equity Interest | $-3,462,000 | $-3,670,000 | $-3,882,000 | $-4,098,000 |
| Gains Losses Not Affecting Retained Earnings | $-5,761,000 | $-8,606,000 | $-8,223,000 | $-11,125,000 |
| Other Equity Adjustments | $-5,761,000 | $-8,606,000 | $-8,223,000 | $-11,125,000 |
| Retained Earnings | $39,880,000 | $40,266,000 | $41,055,000 | $45,291,000 |
| Other | ||||
| Treasury Shares Number | $684,493 | $719,025 | $269,898 | - |
| Ordinary Shares Number | $4,915,366 | $4,882,834 | $5,315,261 | $5,397,959 |
| Share Issued | $5,599,859 | $5,601,859 | $5,585,159 | $5,397,959 |
| Tangible Book Value | $79,974,000 | $76,490,000 | $77,545,000 | $80,542,000 |
| Invested Capital | $107,569,000 | $108,316,000 | $110,315,000 | $112,178,000 |
| Total Capitalization | $107,569,000 | $108,316,000 | $110,315,000 | $112,178,000 |
| Treasury Stock | $3,087,000 | $3,240,000 | $2,381,000 | $0 |
| Additional Paid In Capital | $52,348,000 | $51,684,000 | $50,920,000 | $50,420,000 |
| Capital Stock | $56,000 | $56,000 | $56,000 | $54,000 |
| Common Stock | $56,000 | $56,000 | $56,000 | $54,000 |
| Investments And Advances | $78,719,000 | $71,249,000 | $82,135,000 | $121,205,000 |
| Available For Sale Securities | $77,109,000 | $70,249,000 | $77,870,000 | - |
| Net PPE | $5,113,000 | $5,311,000 | $5,285,000 | $5,035,000 |
| Accumulated Depreciation | $-6,682,000 | $-6,380,000 | $-6,091,000 | $-5,826,000 |
| Gross PPE | $11,795,000 | $11,691,000 | $11,376,000 | $10,861,000 |
| Machinery Furniture Equipment | $1,531,000 | $1,477,000 | $1,424,000 | $1,390,000 |
| Buildings And Improvements | $7,313,000 | $7,274,000 | $7,012,000 | $6,768,000 |
| Land And Improvements | $2,951,000 | $2,940,000 | $2,940,000 | $2,703,000 |
| Other Short Term Investments | $1,610,000 | $71,249,000 | $4,265,000 | $121,205,000 |
| Current Accrued Expenses | - | - | - | $3,697,000 |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $3,948,000 | $9,114,000 | $-85,000 | $2,774,000 |
| Operating Activities | ||||
| Operating Cash Flow | $4,052,000 | $9,433,000 | $431,000 | $2,989,000 |
| Cash Flow From Continuing Operating Activities | $4,052,000 | $9,433,000 | $431,000 | $2,989,000 |
| Operating Gains Losses | $-1,565,000 | $-1,245,000 | $1,762,000 | $-106,000 |
| Investing Activities | ||||
| Capital Expenditure | $-104,000 | $-319,000 | $-516,000 | $-215,000 |
| Investing Cash Flow | $-9,768,000 | $-8,163,000 | $24,950,000 | $-44,478,000 |
| Cash Flow From Continuing Investing Activities | $-9,768,000 | $-8,163,000 | $24,950,000 | $-44,478,000 |
| Net Other Investing Changes | $-20,000 | $-35,000 | - | - |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-114,000 | $-1,079,000 | $-2,381,000 | $0 |
| Financing Cash Flow | $-13,723,000 | $20,823,000 | $-7,140,000 | $-66,975,000 |
| Cash Flow From Continuing Financing Activities | $-13,723,000 | $20,823,000 | $-7,140,000 | $-66,975,000 |
| Net Common Stock Issuance | $-114,000 | $-1,079,000 | $-2,381,000 | $49,440,000 |
| Issuance Of Capital Stock | - | - | $0 | $49,440,000 |
| Common Stock Issuance | - | - | $0 | $49,440,000 |
| Other | ||||
| Repayment Of Debt | $-5,000,000 | $0 | $-10,000,000 | $-9,319,000 |
| Interest Paid Supplemental Data | $3,556,000 | $3,255,000 | $1,464,000 | $766,000 |
| End Cash Position | $34,042,000 | $53,481,000 | $31,388,000 | $13,147,000 |
| Beginning Cash Position | $53,481,000 | $31,388,000 | $13,147,000 | $121,611,000 |
| Changes In Cash | $-19,439,000 | $22,093,000 | $18,241,000 | $-108,464,000 |
| Proceeds From Stock Option Exercised | $215,000 | $215,000 | $0 | - |
| Common Stock Payments | $-114,000 | $-1,079,000 | $-2,381,000 | $0 |
| Net Issuance Payments Of Debt | $-5,000,000 | $0 | $5,000,000 | $-9,319,000 |
| Net Long Term Debt Issuance | $-5,000,000 | $0 | $5,000,000 | $-9,319,000 |
| Long Term Debt Payments | $-5,000,000 | $0 | $-10,000,000 | $-9,319,000 |
| Net Investment Purchase And Sale | $-3,952,000 | $9,836,000 | $40,796,000 | $-36,660,000 |
| Sale Of Investment | $6,897,000 | $9,836,000 | $40,796,000 | $22,870,000 |
| Purchase Of Investment | $-10,849,000 | $0 | $0 | $-59,530,000 |
| Net PPE Purchase And Sale | $-104,000 | $-319,000 | $-516,000 | $-215,000 |
| Purchase Of PPE | $-104,000 | $-319,000 | $-516,000 | $-215,000 |
| Change In Working Capital | $-1,417,000 | $1,036,000 | $1,468,000 | $786,000 |
| Change In Payables And Accrued Expense | $-1,680,000 | $1,234,000 | $313,000 | $74,000 |
| Change In Accrued Expense | $-1,680,000 | $1,234,000 | $313,000 | $74,000 |
| Change In Receivables | $-871,000 | $-46,000 | $165,000 | $648,000 |
| Changes In Account Receivables | $-871,000 | $-46,000 | $165,000 | $648,000 |
| Other Non Cash Items | $5,925,000 | $8,571,000 | $-540,000 | $1,041,000 |
| Stock Based Compensation | $924,000 | $981,000 | $718,000 | $246,000 |
| Amortization Of Securities | $461,000 | $515,000 | $538,000 | $958,000 |
| Depreciation Amortization Depletion | $302,000 | $293,000 | $266,000 | $267,000 |
| Depreciation And Amortization | $302,000 | $293,000 | $266,000 | $267,000 |
| Depreciation | $302,000 | $293,000 | $266,000 | $267,000 |
| Net Income From Continuing Operations | $-386,000 | $-789,000 | $-3,957,000 | $27,000 |
| Issuance Of Debt | - | $0 | $15,000,000 | $0 |
| Long Term Debt Issuance | - | $0 | $15,000,000 | $0 |
| Gain Loss On Investment Securities | - | $0 | $1,794,000 | $0 |
| Income Tax Paid Supplemental Data | - | - | - | $0 |
Fetched: 2026-06-20