NSTS Bancorp, Inc. (NSTS) AI Stock Analysis
NSTS AI stock analysis summary
AI ResearchNSTS Bancorp, Inc. is an Illinois savings and loan holding company operating through North Shore Trust and Savings. Over the trailing twelve months, revenue reached $11.0M while diluted earnings per share stood at -$0.01. As of October 5, 2026, the stock closed at $14.26, reflecting a 1-year return of 25.1%.
- Market cap
- $74.9M
- Revenue (TTM)
- $11.0M
- P/E
- —
- 1Y return
- 25.1% S&P 500 17.0%
- Avg. target
- —
Bull case
- Quarterly revenue grew 30.2% year-over-year in the latest quarter ended June 30, 2026.
- The balance sheet held $46.9M in net cash as of June 30, 2026, supported by $75.7M in cash and short-term investments.
- NSTS shares posted a 1-year return of 25.1%, outperforming the 17.0% return of the S&P 500.
Bear case
- The company reported a net loss of -$386,000 and an EPS of -$0.08 in FY2025.
- Trailing twelve months profit margin stood at -0.4% with a return on equity of -0.1%.
- NSTS Bancorp trades at a price-to-sales ratio of 6.8x, which sits above the median of 3.2x for US-listed Financial Services peers.
What NSTS Bancorp does
Established in 1921 and headquartered in Waukegan, Illinois, NSTS Bancorp, Inc. serves as a savings and loan holding company operating through its subsidiary, North Shore Trust and Savings. The company provides banking products and financial services to individual and commercial clients. These services feature traditional deposit accounts such as checking, savings, money market, and time deposits. Lending products include residential mortgages, commercial real estate loans, construction financing, home equity lines of credit, and consumer loans. The institution operates primarily from Waukegan with branch locations in Waukegan and Lindenhurst, as well as a loan production office in Chicago. NSTS Bancorp is also exploring initiatives in the cryptocurrency sector.
Growth and profitability
Between FY2020 and FY2025, revenue expanded at a 5-year CAGR of 12.2%. Revenue rose 86.2% to $12.0M in FY2024 and grew another 10.2% to $13.3M in FY2025. Gross margin was 74.8% in FY2025, while operating margin was -2.9%. Annual net income moved from -$4.0M in FY2023 to -$789,000 in FY2024 and -$386,000 in FY2025, resulting in an EPS of -$0.08. Over the trailing twelve months ended June 30, 2026, revenue stood at $11.0M with an operating margin of 12.6% and a net profit margin of -0.4%. For the latest quarter ended June 30, 2026, quarterly revenue increased 30.2% year-over-year.
Balance sheet and cash flow
As of June 30, 2026, NSTS Bancorp held $75.7M in cash and short-term investments against total debt of $28.9M, resulting in net cash of $46.9M. Shareholders' equity was $80.1M, total assets were $269.9M, and the debt-to-equity ratio stood at 0.36. The company reported a current ratio of 0.49. In FY2025, operating cash flow was $4.1M and free cash flow was $3.9M. Cash usage in FY2025 included $104,000 for capital expenditures and $114,000 for share buybacks.
Valuation and performance
With a market cap of $74.9M and an enterprise value of $21.9M, NSTS Bancorp trades at a price-to-sales ratio of 6.8x and a price-to-book ratio of 0.9x. The company's price-to-sales multiple is above the 3.2x median of its US-listed Financial Services peers. The stock's closing price of $14.26 sits 8.8% above its 200-day average and near its 52-week high of $14.28. Over the trailing year, the stock returned 25.1%, outperforming the S&P 500 (SPY) return of 17.0%.
What analysts expect
NSTS Bancorp does not have consensus analyst recommendations, earnings estimates, or mean price targets reported. The stock has a beta of 0.22. Its next scheduled earnings release date is November 12, 2026. Regarding company ownership, corporate insiders own 16.0% of outstanding shares, institutional holders represent 25.6%, and short interest accounts for 0.1% of the float.
Key risks and what to watch
- A current ratio of 0.49 as of June 30, 2026, highlights lower liquidity relative to short-term obligations.
- Operating margins have remained negative in recent full years, registering at -2.9% in FY2025 and -6.6% in FY2024.
- The company carries $28.9M in total debt against total assets of $269.9M as of June 30, 2026.
- Historical profitability has fluctuated, including a net loss of -$4.0M recorded in FY2023.
AI-generated research summary. Written with AI from Quotelinks data as of October 5, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this NSTS AI stock analysis
This page is an AI-written research summary of NSTS Bancorp, Inc. (NSTS). The text was generated on October 30, 2026 from Quotelinks data as of October 5, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: NSTS income statement, NSTS balance sheet, NSTS key metrics, NSTS chart. See the NSTS stock overview for the latest quote and news.
NSTS AI stock analysis FAQ
Does NSTS Bancorp pay a dividend?
NSTS Bancorp does not currently have dividend data reported.
When is the next earnings date for NSTS Bancorp?
NSTS Bancorp is scheduled to release its next earnings report on November 12, 2026.
What is NSTS Bancorp's cash and debt position?
As of June 30, 2026, the company held $75.7M in cash and short-term investments and $28.9M in total debt, yielding a net cash position of $46.9M.
How has NSTS Bancorp performed relative to the broader market?
NSTS Bancorp returned 25.1% over the past year, exceeding the 17.0% return of the S&P 500. Its year-to-date return is 10.1%.