NSTS Bancorp, Inc.

NSTS Bancorp, Inc.

NSTS
NSTS Bancorp, Inc.US flagNASDAQ Capital Market
13.79
USD
-0.01
- -
72.56MMarket Cap
NSTS Bancorp, Inc.
NSTS
(NASDAQ Capital Market)

Recent

price

13.79

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.12
1.11
0.96
1.42
0.99
1.79
1.93
2
Revenue per Share
0.08
-0.02
-0.01
0.01
-0.79
-0.16
-0.08
-0.02
Basic EPS, GAAP
0.3
-0.13
0.24
0.59
-0.02
1.86
0.81
2.49
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
8.42
8.4
8.39
9.59
8.21
8.21
8.17
8.15
Book Value per Share
8.48
8.66
8.37
17.03
15.5
15.57
16.36
16.33
Tangible Book Value per Share
5
5
5
5
5
5
5
5
Basic Weighted Avg Shares
6
6
5
7
5
9
9
10
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
-4
-1
- -
- -
Net Income, GAAP
- -
- -
- -
84.39
- -
- -
- -
- -
Effective Tax Rate (%)
6.84
-1.87
-1.06
0.4
-79.89
-8.98
-4.09
-0.99
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
20
30
122
32
33
32
28
28
LT Debt
46
47
45
81
78
76
80
80
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
-0.25
-0.12
0.06
-9.15
-1.94
-0.96
-0.24
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
26
28
28
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
56
63
57

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
36
37
49
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
14.89%
4.55%
Free Cash Flow
- -
-2,230.25%
-56.68%
Net Income, GAAP
- -
-3,017.34%
-51.08%
Sales/Revenue/Turnover
- -
14.98%
7.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2
2
2
2
9
2025
2
2
2
2
9
2026
2
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.05
-0.07
-0.03
- -
-0.16
2025
-0.07
-0.05
0.01
- -
-0.08
2026
-0.01
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
NSTS Bancorp, Inc. (NASDAQ: NSTS) operates as the holding company for North Shore Trust and Savings, a federally chartered stock savings bank that provides retail banking products and services to customers in northern Illinois. The bank offers interest-bearing and noninterest-bearing checking accounts, money market accounts, savings accounts, time deposits, and certificates of deposit; one- to four-family residential mortgage loans, multi-family residential mortgage loans, commercial real estate mortgage loans, construction loans, and consumer loans; and online banking services. North Shore Trust and Savings partners with Oak Leaf Community Mortgage to deliver an expanded suite of mortgage programs and enhanced loan servicing. Founded in 1921 and headquartered at 700 South Lewis Avenue in Waukegan, Illinois, the company maintains full-service branches in Waukegan and Lindenhurst, Illinois, and loan production offices in Chicago, Plainfield, and Aurora, Illinois, targeting consumers and small businesses primarily in Lake County and adjacent communities. In June 2025, NSTS Bancorp appoints John Pucin to its board of directors and that of North Shore Trust and Savings, strengthening governance amid ongoing community-focused operations. The company completed its mutual-to-stock conversion in January 2022, raising approximately $52.9 million through a public offering of 5.29 million shares, and initiated a stock repurchase program in 2023 for up to 5% of outstanding shares to support capital management and shareholder value.

Company News

APIChatGPT
  • $HAREHOLDER ALERT: The M&A Class Action Firm Continues to Investigate the Merger—NSTS, QSEA, FSEA, and MDV

  • $HAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of NSTS Bancorp, Inc. (NASDAQ: NSTS)

  • Shareholder Alert: Ademi LLP investigates whether NSTS Bancorp Inc. is obtaining a Fair Price for Public Shareholders

  • BROOKFIELD BANCSHARES, INC. AND FIRST NATIONAL BANK OF BROOKFIELD ANNOUNCE EXECUTION OF MERGER AGREEMENT TO ACQUIRE NSTS BANCORP, INC.

  • Contrasting Parke Bancorp (NASDAQ:PKBK) and NSTS Bancorp (NASDAQ:NSTS)

  • NSTS Bancorp, Inc. Announces Passing of Nathan E. Walker, Chief Executive Officer and President of North Shore Trust and Savings

  • Head to Head Review: NSTS Bancorp (NASDAQ:NSTS) versus WCF Bancorp (OTCMKTS:WCFB)

  • NSTS Bancorp (NASDAQ:NSTS) versus Mvb Financial (NASDAQ:MVBF) Critical Analysis

  • John Pucin Appointed to Board of Directors of NSTS Bancorp, Inc. and North Shore Trust and Savings

  • Emily Ansani Appointed to Board of Directors of NSTS Bancorp, Inc. and North Shore Trust and Savings

  • NSTS Bancorp Announces Balance Sheet Repositioning

  • NSTS Bancorp Announces Authorization of Stock Repurchase Program

  • North Shore Trust and Savings Announces Expansion of Mortgage Lending Department

  • NSTS Bancorp Announces Extension of Stock Repurchase Program