NSTS

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NSTS Bancorp, Inc.

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Key Metrics

Previous Close: $13.90
52-Week Range: $10.72 – $14.04
Market Cap: $69.06M
P/E (TTM): —
EPS (TTM): -0.01
Dividend Yield: —

Advanced Metrics

Price/Book: 0.86
PEG Ratio: —
Return on Equity: -0.05%
Return on Assets: -0.02%
Gross Margin: 0.00%
Operating Margin: 12.57%
Profit Margin: -0.39%
Current Ratio: —
Debt/Equity: —
Total Debt: $0.00
Free Cash Flow: —
Revenue Growth: 30.20%
Earnings Growth: —
Enterprise Value: $20.79M

NSTS Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$6.73M	$4.95M	$8.79M	$9.43M
Selling, General & Admin	$4.50M	$5.23M	$6.68M	$6.91M
Pretax Income	$173.00K	-$2.96M	-$789.00K	-$386.00K
Income Tax	$146.00K	$999.00K	$0.00	$0.00
Net Income	$27.00K	-$3.96M	-$789.00K	-$386.00K
Diluted EPS	0.01	-0.79	-0.16	-0.08
Diluted Shares	4.73M	5.00M	4.91M	4.89M

NSTS Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$17.62M	$33.38M	$54.98M	$35.29M
Receivables	$852.00K	$758.00K	$870.00K	$925.00K
Total Assets	$264.21M	$256.78M	$278.69M	$266.65M
Long-Term Debt	$31.64M	$32.77M	$31.83M	$27.59M
Total Debt	$31.64M	$32.77M	$31.83M	$27.59M
Total Liabilities	$183.66M	$179.23M	$202.20M	$186.67M
Retained Earnings	$45.29M	$41.05M	$40.27M	$39.88M
Shareholders' Equity	$80.54M	$77.55M	$76.49M	$79.97M
Net Debt	$14.01M	—	—	—

NSTS Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$2.99M	$431.00K	$9.43M	$4.05M
Capital Expenditure	-$215.00K	-$516.00K	-$319.00K	-$104.00K
Free Cash Flow	$2.77M	-$85.00K	$9.11M	$3.95M
Depreciation & Amortisation	$267.00K	$266.00K	$293.00K	$302.00K
Stock-Based Compensation	$246.00K	$718.00K	$981.00K	$924.00K
Investing Cash Flow	-$44.48M	$24.95M	-$8.16M	-$9.77M
Financing Cash Flow	-$66.97M	-$7.14M	$20.82M	-$13.72M
Share Repurchases	$0.00	-$2.38M	-$1.08M	-$114.00K
Net Change in Cash	-$108.46M	$18.24M	$22.09M	-$19.44M

NSTS Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$2.07M	$2.46M	$2.44M	$2.46M	$2.44M
Selling, General & Admin	$1.69M	$1.84M	$1.72M	$1.66M	$1.75M
Pretax Income	-$328.00K	-$258.00K	$65.00K	$135.00K	-$39.00K
Income Tax	$0.00	$0.00	$0.00	$0.00	$0.00
Net Income	-$328.00K	-$258.00K	$65.00K	$135.00K	-$39.00K
Diluted EPS	-0.07	-0.05	0.01	—	-0.01
Diluted Shares	4.88M	4.89M	4.91M	—	4.92M

NSTS Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$58.95M	$48.98M	$35.38M	$35.29M	$44.39M
Receivables	$860.00K	$851.00K	$915.00K	$925.00K	$918.00K
Total Assets	$282.70M	$275.98M	$269.84M	$266.65M	$270.32M
Long-Term Debt	$35.96M	$26.89M	$25.50M	$27.59M	$28.43M
Total Debt	$35.96M	$26.89M	$25.50M	$27.59M	$28.43M
Total Liabilities	$205.24M	$198.14M	$190.90M	$186.67M	$190.34M
Retained Earnings	$39.94M	$39.68M	$39.74M	$39.88M	$39.84M
Shareholders' Equity	$77.46M	$77.83M	$78.94M	$79.97M	$79.97M

NSTS Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$2.68M	$655.00K	$2.86M	$3.21M	$5.53M
Capital Expenditure	-$54.00K	-$39.00K	-$3.00K	-$8.00K	-$16.00K
Free Cash Flow	-$2.73M	$616.00K	$2.86M	$3.20M	$5.52M
Depreciation & Amortisation	$75.00K	$77.00K	$75.00K	$75.00K	$76.00K
Stock-Based Compensation	$221.00K	$238.00K	$236.00K	$229.00K	$239.00K
Investing Cash Flow	$2.42M	-$4.13M	-$8.78M	$723.00K	$351.00K
Financing Cash Flow	$4.22M	-$6.49M	-$7.43M	-$4.03M	$3.46M
Share Repurchases	—	—	$0.00	-$6.00K	—
Net Change in Cash	$3.97M	-$9.97M	-$13.35M	-$93.00K	$9.35M

Market Snapshot

About

NSTS Bancorp, Inc. is a community bank holding company providing traditional banking services to individuals and businesses in its local market area. The company focuses on relationship-based lending, deposit gathering, and personalized customer service. NSTS emphasizes conservative underwriting and deep community ties in its banking operations.