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NSTS Bancorp (NSTS) Financials

NSTS Bancorp logo
$13.81 0.00 (0.00%)
Closing price 08/7/2026 03:47 PM Eastern
Extended Trading
$13.80 -0.01 (-0.07%)
As of 08/7/2026 04:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for NSTS Bancorp

Annual Income Statements for NSTS Bancorp

This table shows NSTS Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -0.11 -0.06 0.03 -3.96 -0.79 -0.39
Consolidated Net Income / (Loss)		 -0.11 -0.06 0.03 -3.96 -0.79 -0.39
Net Income / (Loss) Continuing Operations		 -0.11 -0.06 0.03 -3.96 -0.79 -0.39
Total Pre-Tax Income 		-0.62 -0.27 0.17 -2.96 -0.79 -0.39
Total Revenue		 6.13 5.31 6.82 5.07 9.00 9.74
Net Interest Income / (Expense)		 4.54 4.10 5.58 6.22 7.06 7.46
Total Interest Income		 6.02 5.04 6.35 7.73 10 11
Loans and Leases Interest Income		 4.09 3.58 3.62 4.36 6.79 7.45
Investment Securities Interest Income		 1.43 1.36 2.43 2.93 1.82 1.74
Deposits and Money Market Investments Interest Income		 0.38 0.07 0.04 0.09 0.09 0.07
Federal Funds Sold and Securities Borrowed Interest Income		 0.13 0.04 0.26 0.35 1.61 1.74
Total Interest Expense		 1.49 0.94 0.76 1.51 3.24 3.53
Deposits Interest Expense		 1.49 0.94 0.76 1.34 3.00 3.42
Long-Term Debt Interest Expense		 - - 0.00 0.17 0.24 0.11
Total Non-Interest Income		 1.59 1.21 1.24 -1.15 1.94 2.27
Other Service Charges		 0.52 0.45 0.90 0.36 0.41 0.41
Net Realized & Unrealized Capital Gains on Investments		 0.85 0.54 0.11 -1.76 1.25 1.57
Other Non-Interest Income		 0.23 0.22 0.23 0.26 0.28 0.30
Provision for Credit Losses		 0.46 -0.02 -0.23 0.18 0.07 -0.19
Total Non-Interest Expense		 6.28 5.60 6.88 7.85 9.72 10
Salaries and Employee Benefits		 3.69 3.14 3.85 4.55 5.94 6.27
Net Occupancy & Equipment Expense		 1.25 1.28 1.29 1.42 1.67 1.83
Marketing Expense		 0.07 0.07 0.09 0.10 0.29 0.14
Other Operating Expenses		 1.26 1.11 1.65 1.77 1.83 2.08
Income Tax Expense		 -0.50 -0.21 0.15 1.00 0.00 0.00
Basic Earnings per Share		 - $0.00 $0.01 ($0.79) ($0.16) ($0.08)
Weighted Average Basic Shares Outstanding		 - 0.00 4.73M 5.00M 4.91M 4.89M
Weighted Average Diluted Shares Outstanding		 - 5.40M 5.40M 5.32M 5.25M 5.26M
Weighted Average Basic & Diluted Shares Outstanding		 - 5.40M 5.40M 5.32M 5.25M 5.26M

Quarterly Income Statements for NSTS Bancorp

This table shows NSTS Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 -0.23 -3.77 -0.25 -0.33 -0.17 -0.05 -0.33 -0.26 0.07 0.14 -0.04
Consolidated Net Income / (Loss)		 -0.23 -3.77 -0.25 -0.33 -0.17 -0.05 -0.33 -0.26 0.07 0.14 -0.04
Net Income / (Loss) Continuing Operations		 -0.23 -3.77 -0.25 -0.33 -0.17 -0.05 -0.33 -0.26 0.07 0.14 -0.04
Total Pre-Tax Income 		-0.34 -2.67 -0.25 -0.33 -0.17 -0.05 -0.33 -0.26 0.07 0.14 -0.04
Total Revenue		 1.67 -0.11 2.02 2.29 2.25 2.44 2.17 2.54 2.51 2.52 2.51
Net Interest Income / (Expense)		 1.52 1.49 1.71 1.79 1.83 1.74 1.83 1.81 1.95 1.88 1.86
Total Interest Income		 1.94 2.08 2.41 2.56 2.66 2.68 2.75 2.74 2.83 2.68 2.59
Loans and Leases Interest Income		 1.08 1.24 1.48 1.72 1.80 1.79 1.80 1.79 1.97 1.89 1.82
Investment Securities Interest Income		 0.74 0.69 0.49 0.46 0.44 0.43 0.42 0.41 0.42 0.49 0.47
Deposits and Money Market Investments Interest Income		 0.02 0.02 0.02 0.03 0.01 0.02 0.02 0.02 0.02 0.01 0.01
Federal Funds Sold and Securities Borrowed Interest Income		 0.10 0.14 0.42 0.36 0.41 0.43 0.51 0.52 0.42 0.29 0.29
Total Interest Expense		 0.42 0.60 0.70 0.78 0.83 0.94 0.92 0.93 0.88 0.80 0.73
Deposits Interest Expense		 0.36 0.49 0.64 0.71 0.77 0.88 0.86 0.88 0.88 0.80 0.73
Long-Term Debt Interest Expense		 0.06 0.10 0.06 0.06 0.06 0.06 0.06 0.05 0.00 - 0.00
Total Non-Interest Income		 0.15 -1.59 0.31 0.50 0.42 0.71 0.33 0.74 0.56 0.64 0.66
Other Service Charges		 0.09 0.11 0.09 0.16 0.08 0.08 0.07 0.16 0.10 0.09 0.10
Net Realized & Unrealized Capital Gains on Investments		 0.00 -1.78 0.16 0.27 0.27 0.55 0.19 0.51 0.39 0.48 0.48
Other Non-Interest Income		 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.08
Provision for Credit Losses		 0.05 0.12 -0.00 0.12 0.02 -0.07 -0.04 0.06 -0.05 -0.16 -0.03
Total Non-Interest Expense		 1.95 2.44 2.26 2.49 2.40 2.56 2.53 2.74 2.50 2.54 2.58
Salaries and Employee Benefits		 1.16 1.46 1.37 1.47 1.48 1.61 1.53 1.64 1.57 1.53 1.61
Net Occupancy & Equipment Expense		 0.33 0.44 0.41 0.42 0.40 0.44 0.45 0.44 0.45 0.49 0.50
Marketing Expense		 0.01 0.04 0.08 0.09 0.06 0.05 0.04 0.04 0.03 0.03 0.02
Other Operating Expenses		 0.45 0.50 0.40 0.52 0.46 0.46 0.51 0.62 0.45 0.51 0.45
Income Tax Expense		 -0.11 1.10 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Basic Earnings per Share		 ($0.05) ($0.74) ($0.05) ($0.07) ($0.03) ($0.01) ($0.07) ($0.05) $0.01 $0.03 ($0.01)
Weighted Average Basic Shares Outstanding		 5.09M 5.00M 4.93M 4.93M 4.91M 4.91M 4.88M 4.89M 4.88M 4.89M 4.92M
Weighted Average Diluted Shares Outstanding		 5.32M 5.32M 5.31M 5.29M 4.91M 5.25M 5.25M 5.24M 4.91M 5.26M 5.26M
Weighted Average Basic & Diluted Shares Outstanding		 5.32M 5.32M 5.31M 5.29M 5.26M 5.25M 5.25M 5.24M 5.24M 5.26M 5.26M

Annual Cash Flow Statements for NSTS Bancorp

This table details how cash moves in and out of NSTS Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -0.51 90 -108 18 22 -19
Net Cash From Operating Activities		 -0.62 1.45 2.99 0.43 9.43 4.05
Net Cash From Continuing Operating Activities		 -0.62 1.45 2.99 0.43 9.43 4.05
Net Income / (Loss) Continuing Operations		 -0.11 -0.06 0.03 -3.96 -0.79 -0.39
Consolidated Net Income / (Loss)		 -0.11 -0.06 0.03 -3.96 -0.79 -0.39
Provision For Loan Losses		 0.46 -0.02 -0.23 0.18 0.07 -0.19
Depreciation Expense		 0.29 0.27 0.27 0.27 0.29 0.30
Amortization Expense		 0.84 1.32 0.96 0.54 0.52 0.46
Non-Cash Adjustments to Reconcile Net Income		 -1.49 1.16 1.25 2.93 8.16 6.42
Changes in Operating Assets and Liabilities, net		 -0.61 -1.22 0.72 0.48 1.19 -2.55
Net Cash From Investing Activities		 -5.93 -12 -44 25 -8.16 -9.77
Net Cash From Continuing Investing Activities		 -5.93 -12 -44 25 -8.16 -9.77
Purchase of Property, Leasehold Improvements and Equipment		 -0.10 -0.14 -0.22 -0.52 -0.32 -0.10
Purchase of Investment Securities		 -40 -47 -66 -18 -18 -17
Sale and/or Maturity of Investments		 26 27 23 41 9.84 6.90
Other Investing Activities, net		 7.74 8.97 -1.01 2.49 0.50 0.25
Net Cash From Financing Activities		 6.04 100 -67 -7.14 21 -14
Net Cash From Continuing Financing Activities		 6.04 100 -67 -7.14 21 -14
Net Change in Deposits		 2.04 99 -107 -9.76 22 -8.82
Repayment of Debt		 0.00 -4.00 -9.32 -10 0.00 -5.00
Repurchase of Common Equity		 - - 0.00 -2.38 -0.97 0.00
Other Financing Activities, Net		 - - - 0.00 0.11 0.10
Cash Interest Paid		 1.54 0.95 0.77 1.46 3.26 3.56

Quarterly Cash Flow Statements for NSTS Bancorp

This table details how cash moves in and out of NSTS Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -0.57 21 4.97 -3.93 2.16 19 3.97 -9.97 -13 -0.09 9.35
Net Cash From Operating Activities		 0.23 0.07 0.09 -1.63 1.61 9.36 -2.68 0.66 2.86 3.21 5.53
Net Cash From Continuing Operating Activities		 0.23 0.07 0.09 -1.63 1.61 9.36 -2.68 0.66 2.86 3.21 5.53
Net Income / (Loss) Continuing Operations		 -0.23 -3.77 -0.25 -0.33 -0.17 -0.05 -0.33 -0.26 0.07 0.14 -0.04
Consolidated Net Income / (Loss)		 -0.23 -3.77 -0.25 -0.33 -0.17 -0.05 -0.33 -0.26 0.07 0.14 -0.04
Provision For Loan Losses		 0.05 0.12 -0.00 0.12 0.02 -0.07 -0.04 0.06 -0.05 -0.16 -0.03
Depreciation Expense		 0.06 0.07 0.07 0.08 0.07 0.07 0.08 0.08 0.08 0.08 0.08
Amortization Expense		 0.13 0.13 0.13 0.13 0.13 0.12 0.12 0.12 0.12 0.10 0.11
Non-Cash Adjustments to Reconcile Net Income		 -0.01 2.90 0.28 -2.57 3.06 7.39 -0.78 1.29 2.83 3.09 5.32
Changes in Operating Assets and Liabilities, net		 0.22 0.62 -0.14 0.93 -1.49 1.89 -1.72 -0.63 -0.17 -0.02 0.10
Net Cash From Investing Activities		 2.29 18 -5.04 -1.53 -0.45 -1.14 2.42 -4.13 -8.78 0.72 0.35
Net Cash From Continuing Investing Activities		 2.29 18 -5.04 -1.53 -0.45 -1.14 2.42 -4.13 -8.78 0.72 0.35
Purchase of Property, Leasehold Improvements and Equipment		 -0.07 -0.44 -0.02 -0.12 -0.05 -0.14 -0.05 -0.04 -0.00 -0.01 -0.02
Purchase of Investment Securities		 -2.09 -14 -6.46 -6.55 -2.78 -2.39 0.16 -5.40 -11 -0.66 -1.50
Sale and/or Maturity of Investments		 3.96 32 1.44 4.14 2.87 1.38 2.32 1.31 1.89 1.39 1.62
Other Investing Activities, net		 0.50 -0.25 - - -0.50 - 0.00 - 0.25 - 0.25
Net Cash From Financing Activities		 -3.08 3.05 9.92 -0.77 1.00 11 4.23 -6.49 -7.43 -4.03 3.46
Net Cash From Continuing Financing Activities		 -3.08 3.05 9.92 -0.77 1.00 11 4.23 -6.49 -7.43 -4.03 3.46
Net Change in Deposits		 -2.37 4.07 9.92 -0.58 1.21 11 4.23 -1.38 -7.43 -4.24 3.46
Cash Interest Paid		 0.41 0.59 0.69 0.78 0.85 0.94 0.92 0.96 0.88 0.80 0.72

Annual Balance Sheets for NSTS Bancorp

This table presents NSTS Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 242 341 264 257 279 267
Cash and Due from Banks		 0.88 0.81 1.58 1.00 1.22 1.24
Interest Bearing Deposits at Other Banks		 31 121 12 30 52 33
Time Deposits Placed and Other Short-Term Investments		 12 3.47 4.48 1.99 1.49 1.25
Trading Account Securities		 82 101 121 82 71 79
Loans and Leases, Net of Allowance		 98 97 103 121 130 129
Loans and Leases		 99 97 104 122 132 130
Allowance for Loan and Lease Losses		 0.87 0.78 0.62 1.18 1.20 1.13
Loans Held for Sale		 1.97 97 0.00 0.38 1.22 4.46
Premises and Equipment, Net		 5.21 5.09 5.04 5.29 5.31 5.11
Other Assets		 11 13 17 15 16 14
Total Liabilities & Shareholders' Equity		 242 341 264 257 279 267
Total Liabilities		 195 296 184 179 202 187
Non-Interest Bearing Deposits		 9.73 99 13 12 12 13
Interest Bearing Deposits		 178 188 167 158 180 170
Other Long-Term Liabilities		 3.57 3.62 3.70 4.02 5.30 3.60
Total Equity & Noncontrolling Interests		 47 45 81 78 76 80
Total Preferred & Common Equity		 47 45 81 78 76 80
Total Common Equity		 47 45 81 78 76 80
Common Stock		 - 0.00 50 51 52 52
Retained Earnings		 45 45 45 41 40 40
Treasury Stock		 - - 0.00 -2.38 -3.24 -3.09
Accumulated Other Comprehensive Income / (Loss)		 1.41 -0.08 -11 -8.22 -8.61 -5.76
Other Equity Adjustments		 - 0.00 -4.10 -3.88 -3.67 -3.46

Quarterly Balance Sheets for NSTS Bancorp

This table presents NSTS Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 252 266 266 268 283 276 270 270
Cash and Due from Banks		 1.17 1.08 1.03 1.03 0.97 1.01 0.92 1.03
Interest Bearing Deposits at Other Banks		 9.52 35 31 34 56 46 33 42
Time Deposits Placed and Other Short-Term Investments		 1.74 1.99 1.00 1.49 1.49 1.49 1.25 1.00
Trading Account Securities		 110 80 75 75 70 70 80 77
Loans and Leases, Net of Allowance		 107 126 131 134 130 133 133 128
Loans and Leases		 108 127 132 135 131 134 134 129
Allowance for Loan and Lease Losses		 1.06 1.18 1.27 1.27 1.16 1.20 1.26 1.10
Loans Held for Sale		 0.18 1.29 5.18 3.12 2.60 4.43 2.10 1.76
Premises and Equipment, Net		 4.92 5.23 5.27 5.25 5.29 5.25 5.18 5.05
Other Assets		 18 15 16 15 15 15 15 15
Total Liabilities & Shareholders' Equity		 252 266 266 268 283 276 270 270
Total Liabilities		 175 189 189 190 205 198 191 190
Non-Interest Bearing Deposits		 12 12 11 11 13 12 12 14
Interest Bearing Deposits		 154 168 168 170 183 182 176 173
Other Long-Term Liabilities		 3.49 3.47 4.84 4.24 4.12 3.40 3.60 3.81
Total Equity & Noncontrolling Interests		 77 77 77 78 77 78 79 80
Total Preferred & Common Equity		 77 77 77 78 77 78 79 80
Total Common Equity		 77 77 77 78 77 78 79 80
Common Stock		 51 51 51 51 52 52 52 53
Retained Earnings		 45 41 40 40 40 40 40 40
Treasury Stock		 -1.36 -2.38 -2.57 -2.79 -3.24 -3.35 -3.35 -3.09
Accumulated Other Comprehensive Income / (Loss)		 -13 -8.77 -8.93 -6.83 -7.53 -7.03 -6.22 -5.96
Other Equity Adjustments		 -3.94 -3.83 -3.78 -3.72 -3.62 -3.56 -3.51 -3.41

Annual Metrics And Ratios for NSTS Bancorp

This table displays calculated financial ratios and metrics derived from NSTS Bancorp's official financial filings.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 5,397,959.00 5,315,261.00 5,260,144.00 5,239,038.00
DEI Adjusted Shares Outstanding		 0.00 0.00 5,397,959.00 5,315,261.00 5,260,144.00 5,239,038.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 0.01 -0.74 -0.15 -0.07
Growth Metrics		 - - - - - -
Revenue Growth		 0.00% -13.37% 28.51% -25.66% 77.55% 8.14%
EBITDA Growth		 0.00% 159.22% 5.75% -254.08% 100.88% 1,884.21%
EBIT Growth		 0.00% 56.26% 164.31% -1,809.83% 73.33% 51.08%
NOPAT Growth		 0.00% 56.26% 114.34% -7,768.89% 73.33% 51.08%
Net Income Growth		 0.00% 50.89% 149.09% -14,755.56% 80.06% 51.08%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 0.00% 334.19% 105.85% -85.58% 2,088.63% -57.04%
Free Cash Flow Firm Growth		 0.00% 0.00% -8,675.63% 86.57% 112.34% 147.82%
Invested Capital Growth		 0.00% -1.07% 60.50% 2.49% -1.28% -1.86%
Revenue Q/Q Growth		 0.00% 0.00% 9.00% -27.76% 39.50% 0.77%
EBITDA Q/Q Growth		 0.00% 0.00% 6.07% -371.63% 100.73% 75.35%
EBIT Q/Q Growth		 0.00% 0.00% 269.61% -8,600.00% 76.90% 31.92%
NOPAT Q/Q Growth		 0.00% 0.00% 137.82% -8,600.00% 76.90% 31.92%
Net Income Q/Q Growth		 0.00% 0.00% 139.13% -2,555.70% 82.51% 31.92%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% -60.20% -35.46% 578.89% 6,542.96% -60.27%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -34.63% 113.71% -69.62%
Invested Capital Q/Q Growth		 0.00% 0.00% 1.75% 0.47% -2.33% 1.31%
Profitability Metrics		 - - - - - -
EBITDA Margin		 8.33% 24.91% 20.50% -42.49% 0.21% 3.87%
EBIT Margin		 -10.04% -5.07% 2.54% -58.34% -8.76% -3.97%
Profit (Net Income) Margin		 -1.83% -1.04% 0.40% -78.05% -8.76% -3.97%
Tax Burden Percent		 18.21% 20.45% 15.61% 133.77% 100.00% 100.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 84.39% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 -0.85% -0.37% 0.04% -2.54% -0.67% -0.33%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.11% 2.59% 0.04% -78.00% -5.41% -4.97%
Return on Net Nonoperating Assets (RNNOA)		 0.61% 0.25% 0.00% -2.47% -0.35% -0.16%
Return on Equity (ROE)		 -0.24% -0.12% 0.04% -5.01% -1.02% -0.49%
Cash Return on Invested Capital (CROIC)		 0.00% 0.70% -46.41% -5.00% 0.61% 1.54%
Operating Return on Assets (OROA)		 -0.25% -0.09% 0.06% -1.14% -0.29% -0.14%
Return on Assets (ROA)		 -0.05% -0.02% 0.01% -1.52% -0.29% -0.14%
Return on Common Equity (ROCE)		 -0.24% -0.12% 0.04% -5.01% -1.02% -0.49%
Return on Equity Simple (ROE_SIMPLE)		 -0.24% -0.12% 0.03% -5.10% -1.03% -0.48%
Net Operating Profit after Tax (NOPAT)		 -0.43 -0.19 0.03 -2.07 -0.55 -0.27
NOPAT Margin		 -7.03% -3.55% 0.40% -40.84% -6.14% -2.78%
Net Nonoperating Expense Percent (NNEP)		 -7.96% -2.96% 0.00% 75.46% 4.73% 4.63%
SG&A Expenses to Revenue		 81.83% 84.61% 76.63% 119.94% 87.66% 84.57%
Operating Expenses to Revenue		 102.46% 105.50% 100.84% 154.87% 107.98% 105.94%
Earnings before Interest and Taxes (EBIT)		 -0.62 -0.27 0.17 -2.96 -0.79 -0.39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 0.51 1.32 1.40 -2.15 0.02 0.38
Valuation Ratios		 - - - - - -
Price to Book Value (P/BV)		 1.13 0.00 0.68 0.65 0.81 0.85
Price to Tangible Book Value (P/TBV)		 1.13 0.00 0.68 0.65 0.81 0.85
Price to Revenue (P/Rev)		 8.64 0.00 8.02 9.97 6.90 6.97
Price to Earnings (P/E)		 0.00 0.00 2,025.23 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.05% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.25 0.00 0.46 0.27 0.15 0.41
Enterprise Value to Revenue (EV/Rev)		 2.06 0.00 5.43 4.37 1.34 3.34
Enterprise Value to EBITDA (EV/EBITDA)		 24.70 0.00 26.51 0.00 636.56 86.36
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 214.20 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 1,372.49 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 12.40 51.44 1.28 8.04
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 24.06 26.13
Leverage & Solvency		 - - - - - -
Debt to Equity		 0.09 0.11 0.00 0.06 0.07 0.00
Long-Term Debt to Equity		 0.09 0.11 0.00 0.06 0.07 0.00
Financial Leverage		 0.09 0.10 0.04 0.03 0.06 0.03
Leverage Ratio		 5.18 6.34 4.81 3.30 3.48 3.49
Compound Leverage Factor		 5.18 6.34 4.81 3.30 3.48 3.49
Debt to Total Capital		 7.89% 9.96% 0.00% 6.06% 6.14% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 7.89% 9.96% 0.00% 6.06% 6.14% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 92.11% 90.04% 100.00% 93.94% 93.86% 100.00%
Debt to EBITDA		 7.84 3.78 0.00 -2.32 263.16 0.00
Net Debt to EBITDA		 -79.03 -90.83 0.00 13.18 -2,630.26 0.00
Long-Term Debt to EBITDA		 7.84 3.78 0.00 -2.32 263.16 0.00
Debt to NOPAT		 -9.29 -26.55 0.00 -2.41 -9.05 0.00
Net Debt to NOPAT		 93.62 637.71 0.00 13.71 90.49 0.00
Long-Term Debt to NOPAT		 -9.29 -26.55 0.00 -2.41 -9.05 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - -
Cash Flow Metrics		 - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 0.35 -30 -4.07 0.50 1.25
Operating Cash Flow to CapEx		 -596.15% 1,022.54% 1,390.23% 83.53% 2,957.05% 3,896.15%
Free Cash Flow to Firm to Interest Expense		 0.00 0.38 -39.70 -2.70 0.16 0.35
Operating Cash Flow to Interest Expense		 -0.42 1.54 3.91 0.29 2.91 1.15
Operating Cash Flow Less CapEx to Interest Expense		 -0.49 1.39 3.63 -0.06 2.81 1.12
Efficiency Ratios		 - - - - - -
Asset Turnover		 0.03 0.02 0.02 0.02 0.03 0.04
Fixed Asset Turnover		 1.18 1.03 1.35 0.98 1.70 1.87
Capital & Investment Metrics		 - - - - - -
Invested Capital		 51 50 81 83 81 80
Invested Capital Turnover		 0.12 0.11 0.10 0.06 0.11 0.12
Increase / (Decrease) in Invested Capital		 0.00 -0.54 30 2.00 -1.06 -1.52
Enterprise Value (EV)		 13 0.00 37 22 12 33
Market Capitalization		 53 0.00 55 51 62 68
Book Value per Share		 $8.83 $8.37 $14.92 $14.59 $14.54 $15.27
Tangible Book Value per Share		 $8.83 $8.37 $14.92 $14.59 $14.54 $15.27
Total Capital		 51 50 81 83 81 80
Total Debt		 4.00 5.00 0.00 5.00 5.00 0.00
Total Long-Term Debt		 4.00 5.00 0.00 5.00 5.00 0.00
Net Debt		 -40 -120 -18 -28 -50 -35
Capital Expenditures (CapEx)		 0.10 0.14 0.22 0.52 0.32 0.10
Net Nonoperating Expense (NNE)		 -0.32 -0.13 0.00 1.89 0.24 0.12
Net Nonoperating Obligations (NNO)		 4.00 5.00 0.00 5.00 5.00 0.00
Total Depreciation and Amortization (D&A)		 1.13 1.59 1.23 0.80 0.81 0.76
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.01 ($0.79) ($0.16) ($0.08)
Adjusted Weighted Average Basic Shares Outstanding		 0.00 5.40M 4.73M 5.00M 4.91M 4.89M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 5.40M 5.40M 5.32M 5.25M 5.26M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 5.40M 5.40M 5.32M 5.25M 5.26M
Normalized Net Operating Profit after Tax (NOPAT)		 -0.43 -0.19 0.12 -2.07 -0.55 -0.27
Normalized NOPAT Margin		 -7.03% -3.55% 1.78% -40.84% -6.14% -2.78%
Pre Tax Income Margin		 -10.04% -5.07% 2.54% -58.34% -8.76% -3.97%
Debt Service Ratios		 - - - - - -
EBIT to Interest Expense		 -0.41 -0.29 0.23 -1.96 -0.24 -0.11
NOPAT to Interest Expense		 -0.29 -0.20 0.04 -1.37 -0.17 -0.08
EBIT Less CapEx to Interest Expense		 -0.48 -0.44 -0.06 -2.30 -0.34 -0.14
NOPAT Less CapEx to Interest Expense		 -0.36 -0.35 -0.25 -1.72 -0.27 -0.11
Payout Ratios		 - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% -60.17% -122.94% 0.00%

Quarterly Metrics And Ratios for NSTS Bancorp

This table displays calculated financial ratios and metrics derived from NSTS Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 5,496,669.00 5,315,261.00 5,315,261.00 5,310,553.00 5,285,773.00 5,260,144.00 5,247,826.00 5,247,826.00 5,239,038.00 5,239,038.00 5,261,533.00
DEI Adjusted Shares Outstanding		 5,496,669.00 5,315,261.00 5,315,261.00 5,310,553.00 5,285,773.00 5,260,144.00 5,247,826.00 5,247,826.00 5,239,038.00 5,239,038.00 5,261,533.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.04 -0.71 -0.05 -0.06 -0.03 -0.01 -0.06 -0.05 0.01 0.03 -0.01
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.89% -105.75% 13.06% 32.62% 35.23% 2,404.72% 7.34% 11.10% 11.41% 3.03% 16.03%
EBITDA Growth		 -138.74% -621.73% -112.57% -199.15% 120.57% 106.07% -206.98% 48.72% 786.21% 108.00% 209.85%
EBIT Growth		 -487.36% -1,160.32% -273.24% -258.24% 49.26% 98.28% -33.33% 20.86% 138.01% 393.48% 88.11%
NOPAT Growth		 -299.92% -4,895.90% -201.29% -258.24% 49.26% 98.28% -33.33% 20.86% 154.30% 519.25% 88.11%
Net Income Growth		 -296.61% -9,764.10% -244.71% -158.73% 26.29% 98.78% -33.33% 20.86% 138.01% 393.48% 88.11%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 133.33% 0.00% 0.00%
Operating Cash Flow Growth		 -87.01% 115.01% -65.02% -1,185.04% 611.01% 13,663.24% -3,008.70% 140.13% 77.32% -65.69% 306.76%
Free Cash Flow Firm Growth		 88.47% 87.22% -100.67% 305.29% 56.93% 126.41% -1,019.02% 3.95% 427.10% 61.42% 437.27%
Invested Capital Growth		 3.79% 2.49% -0.13% -4.21% 1.55% -1.28% 0.61% -4.50% -5.39% -1.86% -3.02%
Revenue Q/Q Growth		 -3.48% -106.36% 2,002.83% 13.49% -1.57% 8.43% -11.38% 17.46% -1.30% 0.28% -0.20%
EBITDA Q/Q Growth		 -219.49% -1,653.90% 98.26% -172.09% 124.79% 417.24% -188.00% 54.55% 528.33% 21.40% -53.53%
EBIT Q/Q Growth		 -270.33% -692.88% 90.79% -32.52% 47.55% 73.10% -613.04% 21.34% 125.19% 107.69% -128.89%
NOPAT Q/Q Growth		 -270.33% -692.88% 90.79% -32.52% 47.55% 73.10% -613.04% 21.34% 135.99% 107.69% -120.22%
Net Income Q/Q Growth		 -84.13% -1,524.57% 93.47% -32.52% 47.55% 73.10% -613.04% 21.34% 125.19% 107.69% -128.89%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 278.74% -70.04% 35.29% -1,873.91% 198.90% 479.86% -128.59% 124.48% 336.95% 12.19% 72.31%
Free Cash Flow Firm Q/Q Growth		 -98.19% -19.63% 98.32% 5,243.87% -141.59% 173.33% -171.33% 577.85% 30.85% -63.81% 49.04%
Invested Capital Q/Q Growth		 -3.43% 0.47% -0.71% -0.56% 2.38% -2.33% 1.19% -5.61% 1.42% 1.31% 0.00%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -8.46% 0.00% -2.13% -5.11% 1.29% 6.14% -6.10% -2.36% 10.24% 12.40% 5.77%
EBIT Margin		 -20.23% 0.00% -12.20% -14.24% -7.59% -1.88% -15.15% -10.15% 2.59% 5.36% -1.55%
Profit (Net Income) Margin		 -13.93% 0.00% -12.20% -14.24% -7.59% -1.88% -15.15% -10.15% 2.59% 5.36% -1.55%
Tax Burden Percent		 68.84% 141.06% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 -1.23% 0.00% -0.55% -0.70% -0.41% -0.14% -1.18% -0.84% 0.31% 0.65% -0.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 -1.08% 0.00% -3.50% -2.66% -1.44% -0.42% -3.15% -3.93% 0.31% 0.65% -0.60%
Return on Net Nonoperating Assets (RNNOA)		 -0.03% 0.00% -0.11% -0.17% -0.09% -0.03% -0.20% -0.13% 0.01% 0.02% -0.02%
Return on Equity (ROE)		 -1.27% 0.00% -0.66% -0.87% -0.51% -0.17% -1.38% -0.97% 0.32% 0.67% -0.15%
Cash Return on Invested Capital (CROIC)		 -3.75% -5.00% -2.73% 1.29% -4.43% 0.61% -1.35% 3.90% 5.05% 1.54% 2.98%
Operating Return on Assets (OROA)		 -0.55% 0.00% -0.25% -0.32% -0.19% -0.06% -0.51% -0.35% 0.09% 0.19% -0.06%
Return on Assets (ROA)		 -0.38% 0.00% -0.25% -0.32% -0.19% -0.06% -0.51% -0.35% 0.09% 0.19% -0.06%
Return on Common Equity (ROCE)		 -1.27% 0.00% -0.66% -0.87% -0.51% -0.17% -1.38% -0.97% 0.32% 0.67% -0.15%
Return on Equity Simple (ROE_SIMPLE)		 -0.19% 0.00% -5.68% -5.98% -5.75% 0.00% -1.12% -1.03% -0.72% 0.00% -0.12%
Net Operating Profit after Tax (NOPAT)		 -0.24 -1.87 -0.17 -0.23 -0.12 -0.03 -0.23 -0.18 0.07 0.14 -0.03
NOPAT Margin		 -14.16% 0.00% -8.54% -9.97% -5.31% -1.32% -10.61% -7.10% 2.59% 5.36% -1.09%
Net Nonoperating Expense Percent (NNEP)		 -0.16% 75.94% 2.95% 1.96% 1.03% 0.28% 1.97% 3.10% 0.00% 0.00% 0.47%
SG&A Expenses to Revenue		 90.10% 0.00% 92.56% 86.24% 86.33% 86.16% 93.35% 83.52% 81.63% 81.01% 84.83%
Operating Expenses to Revenue		 117.23% 0.00% 112.25% 108.87% 106.70% 104.79% 116.86% 107.90% 99.40% 101.07% 102.59%
Earnings before Interest and Taxes (EBIT)		 -0.34 -2.67 -0.25 -0.33 -0.17 -0.05 -0.33 -0.26 0.07 0.14 -0.04
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -0.14 -2.47 -0.04 -0.12 0.03 0.15 -0.13 -0.06 0.26 0.31 0.15
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.64 0.65 0.66 0.67 0.70 0.81 0.76 0.83 0.77 0.85 0.77
Price to Tangible Book Value (P/TBV)		 0.64 0.65 0.66 0.67 0.70 0.81 0.76 0.83 0.77 0.85 0.77
Price to Revenue (P/Rev)		 7.09 9.97 9.56 8.72 8.48 6.90 6.48 6.88 6.26 6.97 6.09
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.52 0.27 0.21 0.28 0.28 0.15 0.06 0.20 0.32 0.41 0.21
Enterprise Value to Revenue (EV/Rev)		 6.03 4.37 3.27 3.87 3.66 1.34 0.58 1.67 2.60 3.34 1.68
Enterprise Value to EBITDA (EV/EBITDA)		 53.36 0.00 0.00 0.00 0.00 636.56 0.00 0.00 116.64 86.36 25.94
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 51.44 66.76 0.00 166.35 1.28 0.80 1.76 2.46 8.04 1.38
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 21.12 0.00 24.06 0.00 5.06 6.12 26.13 7.01
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.06 0.06 0.07 0.07 0.06 0.07 0.06 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.06 0.06 0.07 0.07 0.06 0.07 0.06 0.00 0.00 0.00 0.00
Financial Leverage		 0.03 0.03 0.03 0.06 0.06 0.06 0.06 0.03 0.03 0.03 0.03
Leverage Ratio		 3.33 3.30 3.30 3.34 3.34 3.48 3.55 3.51 3.42 3.49 3.51
Compound Leverage Factor		 3.33 3.30 3.30 3.34 3.34 3.48 3.55 3.51 3.42 3.49 3.51
Debt to Total Capital		 6.09% 6.06% 6.10% 6.14% 5.99% 6.14% 6.06% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 6.09% 6.06% 6.10% 6.14% 5.99% 6.14% 6.06% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 93.91% 93.94% 93.90% 93.87% 94.01% 93.86% 93.94% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 6.31 -2.32 -1.97 -1.80 -1.92 263.16 -71.43 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 -9.37 13.18 13.14 10.25 11.94 -2,630.26 770.69 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 6.31 -2.32 -1.97 -1.80 -1.92 263.16 -71.43 0.00 0.00 0.00 0.00
Debt to NOPAT		 -210.08 -2.41 -2.13 -1.99 -2.09 -9.05 -8.20 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 312.23 13.71 14.24 11.34 13.00 90.49 88.48 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 -210.08 -2.41 -2.13 -1.99 -2.09 -9.05 -8.20 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -3.24 -3.87 -0.07 3.35 -1.39 1.02 -0.73 3.49 4.56 1.65 2.46
Operating Cash Flow to CapEx		 306.76% 15.56% 575.00% -1,406.90% 3,103.85% 6,932.59% -4,955.56% 1,679.49% 95,400.00% 40,137.50% 34,581.25%
Free Cash Flow to Firm to Interest Expense		 -7.65 -6.51 -0.09 4.33 -1.68 1.09 -0.79 3.75 5.19 2.06 3.38
Operating Cash Flow to Interest Expense		 0.54 0.11 0.13 -2.11 1.94 9.98 -2.91 0.70 3.26 4.00 7.60
Operating Cash Flow Less CapEx to Interest Expense		 0.36 -0.62 0.11 -2.26 1.88 9.83 -2.97 0.66 3.25 3.99 7.58
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.02 0.02 0.02 0.02 0.03 0.03 0.03 0.04 0.04 0.04
Fixed Asset Turnover		 1.40 0.98 1.04 1.15 1.27 1.70 1.74 1.79 1.85 1.87 1.95
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 82 83 82 82 83 81 82 78 79 80 80
Invested Capital Turnover		 0.09 0.06 0.06 0.07 0.08 0.11 0.11 0.12 0.12 0.12 0.12
Increase / (Decrease) in Invested Capital		 3.00 2.00 -0.11 -3.58 1.28 -1.06 0.50 -3.67 -4.50 -1.52 -2.49
Enterprise Value (EV)		 42 22 17 23 24 12 5.30 16 25 33 17
Market Capitalization		 50 51 51 51 55 62 59 65 60 68 61
Book Value per Share		 $14.04 $14.59 $14.48 $14.41 $14.84 $14.54 $14.76 $14.83 $15.07 $15.27 $15.20
Tangible Book Value per Share		 $14.04 $14.59 $14.48 $14.41 $14.84 $14.54 $14.76 $14.83 $15.07 $15.27 $15.20
Total Capital		 82 83 82 82 83 81 82 78 79 80 80
Total Debt		 5.00 5.00 5.00 5.00 5.00 5.00 5.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 5.00 5.00 5.00 5.00 5.00 5.00 5.00 0.00 0.00 0.00 0.00
Net Debt		 -7.43 -28 -33 -28 -31 -50 -54 -49 -35 -35 -44
Capital Expenditures (CapEx)		 0.07 0.44 0.02 0.12 0.05 0.14 0.05 0.04 0.00 0.01 0.02
Net Nonoperating Expense (NNE)		 -0.00 1.90 0.07 0.10 0.05 0.01 0.10 0.08 0.00 0.00 0.01
Net Nonoperating Obligations (NNO)		 5.00 5.00 5.00 5.00 5.00 5.00 5.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.20 0.20 0.20 0.21 0.20 0.20 0.20 0.20 0.19 0.18 0.18
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.05) ($0.74) ($0.05) ($0.07) ($0.03) ($0.01) ($0.07) ($0.05) $0.01 $0.03 ($0.01)
Adjusted Weighted Average Basic Shares Outstanding		 5.09M 5.00M 4.93M 4.93M 4.91M 4.91M 4.88M 4.89M 4.88M 4.89M 4.92M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.01 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 5.32M 5.32M 5.31M 5.29M 5.26M 5.25M 5.25M 5.24M 4.91M 5.26M 5.26M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.32M 5.32M 5.31M 5.29M 5.26M 5.25M 5.25M 5.24M 5.24M 5.26M 5.26M
Normalized Net Operating Profit after Tax (NOPAT)		 -0.24 -1.87 -0.17 -0.23 -0.12 -0.03 -0.23 -0.18 0.05 0.09 -0.03
Normalized NOPAT Margin		 -14.16% 0.00% -8.54% -9.97% -5.31% -1.32% -10.61% -7.10% 1.81% 3.75% -1.09%
Pre Tax Income Margin		 -20.23% 0.00% -12.20% -14.24% -7.59% -1.88% -15.15% -10.15% 2.59% 5.36% -1.55%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -0.80 -4.49 -0.35 -0.42 -0.21 -0.05 -0.36 -0.28 0.07 0.17 -0.05
NOPAT to Interest Expense		 -0.56 -3.14 -0.25 -0.29 -0.14 -0.03 -0.25 -0.19 0.07 0.17 -0.04
EBIT Less CapEx to Interest Expense		 -0.97 -5.23 -0.37 -0.57 -0.27 -0.19 -0.42 -0.32 0.07 0.16 -0.08
NOPAT Less CapEx to Interest Expense		 -0.73 -3.88 -0.27 -0.44 -0.21 -0.18 -0.31 -0.24 0.07 0.16 -0.06
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 -909.40% -60.17% 0.00% -39.65% -34.00% -122.94% 0.00% -110.71% -81.48% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

NSTS Bancorp (NASDAQ: NSTS) showed a weaker first quarter in 2026, with a return to a quarterly loss after two profitable quarters in late 2025. The company remained profitable on an operating cash flow basis, but earnings were pressured by a higher expense base and a meaningful decline in non-interest income compared with the prior quarter and the same period a year ago.

Top takeaways from the recent trend:

  • Operating cash flow was strong in Q1 2026 at $5.5 million, indicating the core banking franchise continued to generate cash even though net income was negative.
  • The balance sheet remained liquid, with $1.0 million in cash, $42.4 million in interest-bearing deposits at other banks, and $77.6 million in trading securities at quarter-end.
  • Total assets increased to $270.3 million from $269.8 million in Q3 2025 and $265.6 million in Q1 2025, showing modest asset growth over the last year.
  • Common equity rose to $80.0 million in Q1 2026 from $78.9 million in Q3 2025 and $77.5 million in Q1 2025, supporting book value stability.
  • Loan balances were broadly stable year over year, with loans and leases at $128.7 million in Q1 2026 versus $131.4 million in Q1 2025.
  • Deposit balances also remained relatively stable, with total deposits of about $186.5 million in Q1 2026 compared with $195.8 million in Q1 2025.
  • The company continued to rely on investment-related income, including a sizable contribution from net realized and unrealized capital gains, which can be volatile quarter to quarter.
  • NSTS reported a net loss of $39,000 in Q1 2026, down sharply from $135,000 of net income in Q4 2025.
  • Revenue fell to $2.5 million in Q1 2026 from $2.6 million in Q4 2025, while total non-interest income dropped to $655,000 from $639,000 and was well below the stronger levels seen in 2024.
  • Non-interest expense remained elevated at $2.6 million, outpacing revenue and pushing pretax income back into the red.

Profitability trend: NSTS’s quarterly earnings have been inconsistent. After posting a loss of -$328,000 in Q1 2025, the bank narrowed losses in Q2 and turned profitable in Q3 and Q4 2025. Q1 2026 reversed that progress, with net income slipping back to a small loss. For retail investors, that suggests profitability is still fragile and sensitive to swings in fee income, capital gains, and operating expenses.

Revenue and margin trend: Net interest income held up reasonably well at $1.86 million in Q1 2026, only slightly below Q4 2025’s $1.88 million. The bigger issue was non-interest income, which has been uneven and appears to have become a key swing factor in results. Meanwhile, expense control has not yet improved enough to create consistent bottom-line growth.

Balance sheet and liquidity: The company’s balance sheet is still in decent shape, with equity at $80.0 million against liabilities of $190.3 million. One positive change is the continued build in total equity. On the other hand, loans held for sale declined sharply from $4.4 million in Q2 2025 to $1.8 million in Q1 2026, which may reflect a change in pipeline or sale activity.

Cash flow quality: Even though reported earnings were negative in Q1 2026, operating cash flow stayed strong thanks to large non-cash adjustments. That is encouraging, but investors should note that cash flow in previous periods was much more volatile, including a weaker Q1 2025 and a very strong Q4 2024. This inconsistency means the underlying cash generation may not yet be fully stable.

Bottom line: NSTS Bancorp has enough liquidity and capital to navigate near-term volatility, but the earnings profile remains uneven. The stock’s longer-term story will likely depend on whether the bank can convert steady net interest income into consistent profitability while reducing reliance on volatile non-interest gains.

08/08/26 01:30 PM ETAI Generated. May Contain Errors.

NSTS Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, NSTS Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

NSTS Bancorp's net income appears to be on an upward trend, with a most recent value of -$386 thousand in 2025, rising from -$112 thousand in 2020. The previous period was -$789 thousand in 2024. Check out NSTS Bancorp's forecast to explore projected trends and price targets.

Over the last 5 years, NSTS Bancorp's total revenue changed from $6.13 million in 2020 to $9.74 million in 2025, a change of 58.9%.

NSTS Bancorp's total liabilities were at $186.67 million at the end of 2025, a 7.7% decrease from 2024, and a 4.5% decrease since 2020.

In the past 5 years, NSTS Bancorp's cash and equivalents has ranged from $814 thousand in 2021 to $1.58 million in 2022, and is currently $1.24 million as of their latest financial filing in 2025.

Over the last 5 years, NSTS Bancorp's book value per share changed from 8.83 in 2020 to 15.27 in 2025, a change of 72.8%.


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Financial statements for NASDAQ:NSTS last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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