NSTS Bancorp, Inc. (NSTS) Income Statement
NSTS 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsNSTS revenue and net income
Where NSTS's revenue goes
2025Each bar shows an amount and its share of revenue. NSTS kept −2.9% of revenue as net income.
NSTS profit margins
NSTS growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +10.2% | +20.9% | +12.2% | — |
| Gross profit | +13.9% | +12.5% | +12.5% | — |
| Operating income | — | — | — | — |
| Net income | — | — | — | — |
| EPS (diluted) | — | — | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
NSTS quarterly EPS vs estimates
Next report: November 12, 2026.
NSTS income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|
| Revenue | $13.3M | $12.0M | $6.5M | $7.5M | $6.1M | $7.5M | $7.8M |
| Cost of revenue | $3.3M | $3.3M | $1.7M | $534,000 | $917,000 | $2.0M | $1.8M |
| Gross profit | $9.9M | $8.7M | $4.8M | $7.0M | $5.2M | $5.5M | $6.0M |
| Sales, general & admin | $7.0M | $6.8M | $5.2M | $4.5M | $3.7M | $4.6M | $4.2M |
| Total operating expenses | $10.3M | $9.5M | $7.7M | $6.8M | $5.5M | $6.1M | $5.6M |
| Operating income | −$386,000 | −$789,000 | −$3.0M | $173,000 | −$269,000 | −$615,000 | $328,072 |
| Interest income | $11.0M | $10.3M | $7.5M | $6.3M | $5.0M | $6.0M | $7.0M |
| Interest expense | $3.5M | $3.2M | $1.5M | $764,000 | $940,000 | $1.5M | $1.7M |
| Income before taxes | −$386,000 | −$789,000 | −$3.0M | $173,000 | −$269,000 | −$615,000 | $328,072 |
| Income taxes | — | — | $999,000 | $146,000 | −$214,000 | −$503,000 | −$85,739 |
| Net income | −$386,000 | −$789,000 | −$4.0M | $27,000 | −$55,000 | −$112,000 | $413,811 |
| EBITDA | −$84,000 | −$496,000 | −$2.7M | $440,000 | −$1,000 | −$325,000 | $612,431 |
| EPS (diluted) | −$0.08 | −$0.16 | −$0.80 | −$0.01 | −$0.05 | −$0.02 | — |
| Gross margin | 74.8% | 72.5% | 73.9% | 92.9% | 85.0% | 73.9% | 76.6% |
| Operating margin | −2.9% | −6.6% | −45.8% | 2.3% | −4.4% | −8.2% | 4.2% |
| Net margin | −2.9% | −6.6% | −61.2% | 0.4% | −0.9% | −1.5% | 5.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.0M | $3.2M | $3.3M | $3.3M | $3.4M | $3.0M | $3.3M | $3.0M | $3.0M | $2.7M | $441,000 | $2.1M |
| Cost of revenue | $747,000 | $702,000 | $640,000 | $829,000 | $987,000 | $882,000 | $867,000 | $850,000 | $898,000 | $699,000 | $719,000 | $473,000 |
| Gross profit | $3.2M | $2.5M | $2.7M | $2.5M | $2.4M | $2.1M | $2.5M | $2.2M | $2.1M | $2.0M | −$278,000 | $1.6M |
| Sales, general & admin | $2.2M | $1.8M | $1.7M | $1.7M | $1.8M | $1.7M | $1.9M | $1.7M | $1.7M | $1.6M | $1.7M | $1.3M |
| Total operating expenses | $3.4M | $2.6M | $2.5M | $2.4M | $2.7M | $2.4M | $2.5M | $2.4M | $2.4M | $2.2M | $2.4M | $1.9M |
| Operating income | −$204,000 | −$39,000 | $135,000 | $65,000 | −$258,000 | −$328,000 | −$46,000 | −$171,000 | −$326,000 | −$246,000 | −$2.7M | −$337,000 |
| Interest income | $2.5M | $2.6M | $2.7M | $2.8M | $2.7M | $2.8M | $2.7M | $2.7M | $2.6M | $2.4M | $2.1M | $1.9M |
| Interest expense | $746,000 | $728,000 | $802,000 | $879,000 | $930,000 | $919,000 | $938,000 | $830,000 | $775,000 | $700,000 | $595,000 | $423,000 |
| Income before taxes | −$204,000 | −$39,000 | $135,000 | $65,000 | −$258,000 | −$328,000 | −$46,000 | −$171,000 | −$326,000 | −$246,000 | −$2.7M | −$337,000 |
| Income taxes | — | — | — | — | — | — | $320,000 | — | −$401,000 | −$320,000 | $1.1M | −$105,000 |
| Net income | −$204,000 | −$39,000 | $135,000 | $65,000 | −$258,000 | −$328,000 | −$46,000 | −$171,000 | −$326,000 | −$246,000 | −$3.8M | −$232,000 |
| EBITDA | −$130,000 | $37,000 | $210,000 | $140,000 | −$181,000 | −$253,000 | $28,000 | −$101,000 | −$251,000 | −$172,000 | −$2.6M | −$273,000 |
| EPS (diluted) | −$0.04 | −$0.01 | $0.03 | $0.01 | −$0.05 | −$0.07 | −$0.01 | −$0.03 | −$0.07 | −$0.05 | −$0.77 | −$0.05 |
| Gross margin | 81.3% | 78.3% | 80.7% | 75.0% | 70.9% | 70.5% | 73.9% | 71.9% | 70.1% | 74.0% | −63.0% | 77.1% |
| Operating margin | −5.1% | −1.2% | 4.1% | 2.0% | −7.6% | −11.0% | −1.4% | −5.6% | −10.9% | −9.2% | −605.9% | −16.3% |
| Net margin | −5.1% | −1.2% | 4.1% | 2.0% | −7.6% | −11.0% | −1.4% | −5.6% | −10.9% | −9.2% | −854.6% | −11.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in NSTS's financial statements (latest annual report filed March 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
NSTS financial results
In fiscal year 2025 (ended December 31, 2025), NSTS Bancorp reported revenue of $13.3 million, up 10.2% from the year before. It had a net loss of $0.4 million, a net profit margin of −2.9%. Diluted earnings per share came to −$0.08. Over five years revenue grew at an average rate of 12.2% a year.
See the NSTS stock overview for the latest quote and news, or the NSTS chart for price history and technical indicators.
NSTS income statement FAQ
What is NSTS Bancorp's annual revenue?
NSTS Bancorp reported total revenue of $13.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 10.2% from $12.0 million the previous year.
Is NSTS Bancorp profitable?
No. NSTS Bancorp reported a net loss of $0.4 million in fiscal 2025, a net profit margin of −2.9%; its operating margin was −2.9%.
What is NSTS Bancorp's gross margin?
NSTS Bancorp's gross margin was 74.8% in fiscal 2025: for every $100 of revenue, NSTS Bancorp kept $75 after the direct cost of its products and services.
How fast is NSTS Bancorp growing?
Revenue grew 12.2% a year on average over the last five fiscal years, from $7.5 million to $13.3 million.
What are NSTS Bancorp's earnings per share?
NSTS Bancorp earned $-0.08 per diluted share in fiscal 2025, compared with $-0.16 a year earlier.
When will NSTS Bancorp report its next earnings?
NSTS Bancorp is expected to report results for the quarter ending September 30, 2026 on November 12, 2026.
When does NSTS Bancorp's fiscal year end?
NSTS Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 27, 2026.