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NSTS

NSTS Bancorp, Inc.

NSTS

NSTS Bancorp, Inc. • NASDAQ
$11.20 ▲ 0.49% (+0.05)
Market Cap $58.70 M
52w High $13.32
52w Low $10.72
Dividend Yield 0%
P/E -93.37
Volume 8.09K
Outstanding Shares 5.24M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $3.321M ▼ $2.427M ▼ $65K ▲ 1.957% ▲ $0.01 ▲ $140K ▲
Q2-2025 $3.394M ▲ $2.665M ▲ $-258K ▲ -7.602% ▲ $-0.053 ▲ $-181K ▲
Q1-2025 $2.992M ▼ $2.438M ▼ $-328K ▼ -10.963% ▼ $-0.067 ▼ $-253K ▼
Q4-2024 $3.317M ▲ $2.496M ▲ $-46K ▲ -1.387% ▲ $-0.009 ▲ $28K ▲
Q3-2024 $3.03M $2.351M $-171K -5.644% $-0.035 $-101K

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $36.176M ▼ $269.842M ▼ $190.903M ▼ $78.939M ▲
Q2-2025 $49.94M ▼ $275.976M ▼ $198.143M ▼ $77.833M ▲
Q1-2025 $59.828M ▲ $282.7M ▲ $205.238M ▲ $77.462M ▲
Q4-2024 $55.975M ▼ $278.688M ▲ $202.198M ▲ $76.49M ▼
Q3-2024 $111.326M $268.439M $190.003M $78.436M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $65K ▲ $2.862M ▲ $-8.781M ▼ $-7.434M ▼ $-13.353M ▼ $2.955M ▲
Q2-2025 $-258K ▲ $655K ▲ $-4.134M ▼ $-6.487M ▼ $-9.966M ▼ $616K ▲
Q1-2025 $-328K ▼ $-2.676M ▼ $2.424M ▲ $4.225M ▼ $3.973M ▼ $-2.73M ▼
Q4-2024 $-46K ▲ $9.359M ▲ $-1.142M ▼ $10.672M ▲ $18.889M ▲ $9.224M ▲
Q3-2024 $-171K $1.614M $-453K $1M $2.161M $1.562M

Five-Year Company Overview

Income Statement

Income Statement NSTS looks like a very small, steady but low-earning community bank. Revenue has been fairly flat over the past several years and profits have hovered around break-even, with small losses in most years and only a brief period of slight profitability. Earnings per share have been negative overall, though the most recent year shows a smaller loss than the prior year, suggesting some improvement but not yet a clear turnaround. Overall, the income statement shows a bank focused on stability rather than rapid growth, but still working to reach consistent profitability.

Balance Sheet

Balance Sheet The balance sheet appears conservative and relatively stable. Total assets have moved within a modest range, with a slight upward trend recently. Cash levels have improved from earlier lows, giving the bank a bit more flexibility. Debt is present but not heavy relative to the overall size of the balance sheet, and equity has been steady to slightly higher, indicating a reasonable capital base for a small community bank. Overall, NSTS looks more cautious than aggressive in how it funds and grows its balance sheet.

Cash Flow

Cash Flow Cash generation has only recently turned meaningfully positive. For several years, operating and free cash flow were roughly flat, indicating neither strong cash burn nor strong surplus. The latest period shows positive cash flow from operations and free cash flow, helped by very low spending on physical investments. This pattern fits a slow-moving community bank that is not heavily investing in large new projects but is starting to produce some cash after covering its day-to-day needs. Still, the cash flow track record is short and should be viewed as early evidence rather than a long-established strength.

Competitive Edge

Competitive Edge NSTS occupies a classic community bank niche: a local footprint in Illinois, long-standing relationships, and personalized service. Its edge is less about size and more about trust, local decision-making, and a willingness to handle borrowers that larger, standardized lenders may overlook. Specialized mortgage and real estate lending programs help it serve segments such as bridge buyers, rehab investors, and borrowers with non-traditional documentation. On the other hand, its small scale, concentration in one region, and exposure to real estate markets mean it is more vulnerable to local economic swings and competition from larger banks and online lenders.

Innovation and R&D

Innovation and R&D Innovation at NSTS is practical rather than flashy. The bank has built out normal digital tools—mobile banking, remote check deposit, alerts, and online payments—so customers can bank conveniently without sacrificing the personal touch. Its most distinctive innovation is in product design, particularly its portfolio mortgage programs for niche and underserved borrowers, such as “buy now, sell later” loans, rehab loans, construction loans, and ITIN mortgages. Future innovation is likely to focus on smoothing the digital experience and broadening higher-value services like wealth management, rather than on cutting-edge fintech or heavy research spending.

Summary

NSTS Bancorp is a small, locally focused bank with a conservative balance sheet, modest and fairly flat revenue, and earnings that hover near break-even. It competes less on scale and more on relationships and specialized lending solutions that target borrowers who do not fit cookie-cutter criteria. Digital capabilities are solid enough to meet modern expectations but are not a major differentiator. The main opportunities lie in deepening its niche lending, upgrading digital service quality, and building out wealth management, while the key risks stem from its small size, regional concentration, and limited history of strong, consistent profitability and cash generation.