NSTS logo

NSTS BANCORP INC

NSTSNASDAQ
🏆 #4248 by market capUS Equity
$14.19▲ $0.06 (+0.39%)
🌅 Pre-market$14.18▼ 0.04%Regular close · extended-hours price shown
🔔
Track NSTS
Get earnings, price moves & breaking news on Telegram
Track
24h▲ 0.4%
7d▲ 0.9%
14d▲ 0.8%
30d▲ 1.4%
ytd▲ 20.9%
1y▲ 20.5%
🏦Market Cap
$75M
Small Cap
📈Revenue Growth (YoY)
+10.2%
Healthy
📊Gross Margin
79.0%
High
💵FCF Margin
103.8%
Strong
⚖️P/S Ratio
5.4x
Fair
Otter Score
76
Good

Trading Snapshot

Day Range
$14.00 – $14.43
52-Week Range
$10.72 – $14.19
Volume
$3.04B
Avg Volume
$2.36B
Shares Outstanding
5.3M
Next Earnings
Dec 3, 2026

Fundamentals Snapshot

Annual Revenue
$13M
Last Q Revenue
$4M
P/E Ratio
-1990.1
P/S Ratio
5.4x
EPS (TTM)
$-0.01
Dividend Yield
0.00%
Dilution (1yr)
+0.7%

Why Investors Own NSTS

  • ✓High-growth profile — revenue up +42.8% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 27% gross margin and 9% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

NSTS logo

NSTS BANCORP INC

NSTS
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$13M▲ +10.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
74.8%▲ +3.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
−$386K▼ −51.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$4M▼ −56.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.9M▲ +0.7% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$8M▼ −$15M YoY
StockOtter · stockotter.space

About NSTS BANCORP INC

NSTS Bancorp, Inc. functions as the parent entity for North Shore Trust and Savings, a financial institution that offers a comprehensive suite of banking products and services across Illinois. The company provides various deposit vehicles, including checking, money market, savings, and time deposit accounts. For lending needs, it extends financing options such as one-to-four family residential mortgages, multi-family and commercial real estate loans, construction funding, home equity lines, and diverse consumer loans. Its operational footprint includes a main banking facility in Waukegan, Illinois, alongside two full-service retail branches situated in Waukegan and Lindenhurst, Illinois, and a specialized loan production office in Chicago, Illinois. Founded in 1921, NSTS Bancorp, Inc. is headquartered in Waukegan, Illinois.

🦦

Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Good
76/100

Analyst Price Target

ⓘ
Average Target
$14.31
▲ +0.9% Upside
High Target$16.79
Low Target$13.29
Based on 18 analysts

Latest News & Updates

🚀
Bloomberg·2h ago

NSTS BANCORP INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

🛰️
Barron’s·5h ago

Analysts lift NSTS price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

🌌
CNBC·1d ago

NSTS BANCORP INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.