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NSTS Bancorp, Inc.(NSTS)Earnings, Financials & Key Ratios
NSTS•NASDAQ•Banking & Credit
$13.78
Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutNSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate, construction, home equity, and consumer loans. It operates through a main banking office in Waukegan, Illinois; and two full-service branch offices located in Waukegan and Lindenhurst, Illinois, as well as a loan production office in Chicago, Illinois. The company was founded in 1921 and is headquartered in Waukegan, Illinois.Show more
- Net Interest Income$7M+5.7%
- Total Revenue$13M+10.2%
- Net Income-$386K+51.1%
- Return on Equity-0.49%+51.8%
- Net Interest Margin2.8%+10.5%
- Efficiency Ratio77.75%-1.6%
- ROA-0.14%+52.0%
- Equity / Assets29.99%+9.3%
- Book Value per Share16.36+5.1%
NSTS Price & Volume
NSTS Bancorp, Inc. (NSTS) stock price & volume — 10-year historical chart
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Persistent Operational Losses Challenge Capital Efficiency Strategy
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Negative
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Persistent Operating Margin Deficit
Key Thesis Takeaways
- NSTS Bancorp faces a structural growth impasse, characterized by a stagnant $1.9 million net interest income and an inability to achieve consistent profitability, as evidenced by the $39,000 net loss in 2026Q1.
- While the bank maintains a robust 0.30 equity-to-assets ratio, this excessive capitalization appears to mask an underlying failure to deploy assets effectively into higher-yielding loans.
- Investors should monitor whether the bank's reliance on a $206.1 million securities portfolio can eventually support a turnaround or if the current high efficiency ratio of 79.5% necessitates a strategic consolidation.
Verdict Logic
the bank's inability to generate positive net income, combined with a high 79.5% efficiency ratio, suggests that the current business model lacks the necessary scale to provide meaningful shareholder returns.
NSTS Growth Metrics
NSTS Bancorp, Inc. (NSTS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years12.16%
3 Years20.94%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM88.86%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM88.97%
Return on Capital
10 Years-0.59%
5 Years-0.75%
3 Years-1.22%
Last Year-0.34%
Peers Comparison
Key metrics vs top competitors for NSTS Bancorp, Inc. (NSTS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $13.78 | $72.5M | -174.43 | 10.24% | -2.91% | -0.49% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $26.75 | $370.06M | 8.23 | -1.55% | 28.51% | 12.62% | — | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — | |
| $31.60 | $291.69M | 10.43 | 34.22% | 19.06% | 10.43% | — | |
| $9.31 | $585.91M | 22.17 | 5.09% | 10.39% | 4.75% | — |
Compare NSTS vs Peers
NSTS Bancorp, Inc. (NSTS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NSTS SEC Filings & Documents
NSTS Bancorp, Inc. (NSTS) SEC filings — annual & quarterly reports (10-K, 10-Q)
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NSTS Frequently Asked Questions
NSTS Bancorp, Inc. (NSTS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is NSTS Bancorp, Inc. growing?
NSTS Bancorp, Inc. (NSTS) grew revenue by 10.2% over the past year. This is steady growth.
Is NSTS profitable?
NSTS Bancorp, Inc. (NSTS) reported a net loss of $0.1M for fiscal year 2025.
Dividend & Returns
What is NSTS's return on equity?
NSTS Bancorp, Inc. (NSTS) has a return on equity (ROE) of -0.5%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is NSTS Bancorp, Inc.'s net interest margin?
NSTS Bancorp, Inc. (NSTS) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
What is NSTS Bancorp, Inc.'s efficiency ratio?
NSTS Bancorp, Inc. (NSTS) has an efficiency ratio of 77.7%. This is higher than peers, suggesting room for cost optimization.