NSTS - NSTS Bancorp, Inc. Stock Price, Fair Value and News

9.66USD-0.02 (-0.21%)Market Closed

Market Summary

USD9.66-0.02

Market Closed

-0.21%

NSTS Stock Price

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NSTS RSI Chart

NSTS Valuation

Market Cap

51.3M

Price/Earnings (Trailing)

-11.73

Price/Sales (Trailing)

6.2

EV/EBITDA

4.66

Price/Free Cashflow

-188.6

NSTS Price/Sales (Trailing)

NSTS Profitability

EBT Margin

-40.43%

Return on Equity

-5.68%

Return on Assets

-1.65%

Free Cashflow Yield

-0.53%

NSTS Fundamentals

NSTS Revenue

Revenue (TTM)

8.3M

Rev. Growth (Yr)

29.44%

Rev. Growth (Qtr)

15.46%

NSTS Earnings

Earnings (TTM)

-4.4M

Earnings Growth (Yr)

-244.71%

Earnings Growth (Qtr)

93.47%

Breaking Down NSTS Revenue

Last 7 days

0.3%

Last 30 days

0.9%

Last 90 days

-0.6%

Trailing 12 Months

12.9%

How does NSTS drawdown profile look like?

NSTS Financial Health

NSTS Investor Care

Buy Backs (1Y)

0.72%

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	8.3M	0	0	0
2023	6.9M	7.3M	7.5M	7.7M
2022	5.0M	5.3M	5.8M	6.3M
2021	5.8M	5.5M	5.3M	5.0M
2020	0	0	0	6.0M

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Tracking the Latest Insider Buys and Sells of NSTS Bancorp, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Jun 15, 2023	schoolcraft carissa h	acquired	-	-	21,000	chief financial officer
Jun 15, 2023	ivantic thomas m	acquired	-	-	9,200	-
Jun 15, 2023	arenas apolonio	acquired	-	-	9,200	-
Jun 15, 2023	bond thaddeus m. jr.	acquired	-	-	9,200	-
Jun 15, 2023	true rodney j,	acquired	-	-	9,200	-
Jun 15, 2023	kneesel thomas j	acquired	-	-	9,200	-
Jun 15, 2023	lear stephen g.	acquired	-	-	36,000	chief executive officer
Jun 15, 2023	avakian amy l	acquired	-	-	15,000	chief lending officer
Jun 15, 2023	walker nathan e	acquired	-	-	34,000	executive vice president
Jun 15, 2023	dolan kevin m	acquired	-	-	9,200	-

Which funds bought or sold NSTS recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	BANK OF AMERICA CORP /DE/	added	566	162	191	-%
May 15, 2024	RAFFLES ASSOCIATES LP	unchanged	-	2,814	894,976	1.04%
May 15, 2024	Royal Bank of Canada	reduced	-78.79	-1,000	1,000	-%
May 14, 2024	NORTHERN TRUST CORP	reduced	-7.74	-13,857	172,178	-%
May 14, 2024	M3F, Inc.	sold off	-100	-212,000	-	-%
May 14, 2024	ALLIANCEBERNSTEIN L.P.	added	68.4	1,538,560	3,770,740	-%
May 13, 2024	GEODE CAPITAL MANAGEMENT, LLC	unchanged	-	4,744	301,070	-%
May 13, 2024	Relative Value Partners Group, LLC	unchanged	-	400	380,800	0.02%
May 13, 2024	BHZ CAPITAL MANAGEMENT, LP	sold off	-100	-502,033	-	-%
May 13, 2024	UBS Group AG	new	-	9,979	9,979	-%

Are Funds Buying or Selling NSTS?

Are funds buying NSTS calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own NSTS

No. of Funds

Unveiling NSTS Bancorp, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Jan 31, 2024	north shore trust & savings employee stock ownership plan trust	8.1%	431,836	SC 13G/A
Feb 06, 2023	north shore trust & savings employee stock ownership plan trust	8.0%	431,836	SC 13G

Recent SEC filings of NSTS Bancorp, Inc.

View All Filings

Date Filed	Form Type	Document
May 13, 2024	10-Q	Quarterly Report
Apr 23, 2024	3	Insider Trading
Apr 22, 2024	DEFA14A	DEFA14A
Apr 22, 2024	8-K	Current Report
Apr 05, 2024	DEFA14A	DEFA14A
Apr 05, 2024	DEF 14A	DEF 14A
Mar 28, 2024	10-K	Annual Report

Peers (Alternatives to NSTS Bancorp, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

NSTS Bancorp, Inc. News

Latest updates

NSTS Bancorp, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

Income Statement (Quarterly)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3
Revenue	15.5%	2,405,000	2,083,000	1,939,000	1,848,000	1,858,000	1,858,000	1,688,000	1,507,000	1,295,000	1,265,000	1,201,000	1,249,000	1,323,000	1,355,000	1,387,000
EBITDA Margin	-15.1%	0.39	0.46	0.88	0.97	1.02	0.95	0.89	0.86	0.78	0.81	0.80	0.76	0.73	0.70	-
Interest Expenses	14.6%	1,705,000	1,488,000	1,516,000	1,579,000	1,637,000	1,668,000	1,496,000	1,316,000	1,104,000	1,041,000	976,000	1,012,000	1,069,000	-	1,044,000
Income Taxes	-100.0%	-	1,097,000	-105,000	35,000	-28,000	213,000	-31,000	40,000	-76,000	34,000	-11,000	-193,000	-44,000	-	-245,000
Earnings Before Taxes	90.8%	-246,000	-2,672,000	-337,000	-91,000	142,000	252,000	87,000	189,000	-355,000	-23,000	5,000	-126,000	-125,000	-	-220,000
EBT Margin	-5.6%	-0.40	-0.38	0.00	0.05	0.10	0.03	-0.02	-0.03	-0.10	-0.05	-0.12	-0.11	-0.11	-0.10	-
Net Income	93.5%	-246,000	-3,769,000	-232,000	-126,000	170,000	39,000	118,000	149,000	-279,000	-57,000	16,000	67,000	-81,000	-	25,000
Net Income Margin	-3.2%	-0.53	-0.51	-0.02	0.03	0.07	0.00	-0.01	-0.03	-0.05	-0.01	-0.02	-0.02	-0.02	-0.02	-
Free Cashflow	120.6%	76,000	-369,000	153,000	-132,000	263,000	-454,000	1,732,000	-123,000	1,619,000	1,167,000	-1,121,000	990,000	274,000	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet												(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2020Q4
Assets	3.4%	266	257	252	257	260	264	268	274	285	341	260	242
Cash Equivalents	15.8%	36.00	31.00	11.00	11.00	10.00	13.00	18.00	33.00	52.00	122	43.00	32.00
Net PPE	-1.1%	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00
Liabilities	5.2%	189	179	175	177	177	184	189	191	198	296	214	195
Shareholder's Equity	-0.8%	77.00	78.00	77.00	80.00	82.00	81.00	79.00	84.00	87.00	45.00	46.00	47.00
Retained Earnings	-0.6%	41.00	41.00	45.00	45.00	45.00	45.00	45.00	45.00	45.00	45.00	45.00	45.00
Additional Paid-In Capital	0.3%	51.00	51.00	51.00	50.00	50.00	50.00	50.00	50.00	50.00	-	-	-
Shares Outstanding	0%	5.00	5.00	5.00	6.00	5.00	5.00	5.00	5.00	4.00	-	-	-
Float	-	-	-	-	46.00	-	-	-	58.00	-	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)															(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3
Cashflow From Operations	35.3%	92.00	68.00	227	-127	263	-453	1,747	32.00	1,663	1,189	-1,070	1,019	314	-	-
Share Based Compensation	-49.5%	162	321	170	28.00	-	-	-	-	-	-	-	-	-	-	-
Cashflow From Investing	-128.7%	-5,040	17,584	2,286	2,718	2,362	-87.00	-13,098	-11,367	-19,926	-3,317	3,271	-6,028	-5,775	-	-
Cashflow From Financing	225.6%	9,920	3,047	-3,080	-1,190	-5,917	-4,430	-3,356	-7,393	-51,796	81,002	20,186	-600	-448	-	-
Buy Backs	-100.0%	-	1,026	706	-	-	-	-	-	-	-	-	-	-	-	-

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NSTS Income Statement

2024-03-31

Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Loans, including fees	$ 1,475	$ 1,018
Securities
Taxable	418	658
Tax-exempt	63	102
Federal funds sold and other	417	52
Time deposits with other financial institutions	23	24
FHLB Stock	9	4
Total interest income	2,405	1,858
Interest expense:
Deposits	640	221
Other borrowings	60	0
Total interest expense	700	221
Net interest income	1,705	1,637
Reversal of provision for credit losses	(1)	(28)
Net interest income after reversal of provision for credit losses	1,706	1,665
Noninterest income:
Gain on sale of mortgage loans	156	11
Rental income on office building	16	16
Service charges on deposits	61	64
Increase in cash surrender value of BOLI	53	46
Other non-interest income	26	10
Total noninterest income	312	147
Noninterest expense:
Salaries and employee benefits	1,374	928
Equipment and occupancy	214	166
Data processing	195	161
Professional services	111	121
Advertising	84	24
Supervisory fees and assessments	36	35
Loan expenses	30	21
Deposit expenses	54	52
Director fees	48	56
Other non-interest expense	118	106
Total noninterest expense	2,264	1,670
(Loss) income before income taxes	(246)	142
Income tax benefit	0	(28)
Net (loss) income	$ (246)	$ 170
(Loss) earnings income per common share basic and diluted (in dollars per share)	$ (0.05)	$ 0.03
Weighted average shares outstanding (in shares)	4,927,032	4,989,933

NSTS Balance Sheet

2024-03-31

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets:
Cash and due from banks	$ 1,080	$ 1,000
Interest-bearing bank deposits	35,280	30,388
Cash and cash equivalents	36,360	31,388
Time deposits with other financial institutions	1,991	1,991
Securities available for sale	79,799	82,135
Federal Home Loan Bank stock (FHLB)	550	550
Loans held for sale	1,286	380
Loans, net of unearned income	127,014	121,799
Allowance for credit losses on loans	(1,177)	(1,176)
Loans, net	125,837	120,623
Premises and equipment, net	5,227	5,285
Accrued interest receivable	841	758
Bank-owned life insurance (BOLI)	9,494	9,441
Other assets	4,179	4,225
Total assets	265,564	256,776
Deposits:
Noninterest bearing	12,228	12,424
Interest-bearing
Demand and NOW checking	15,872	15,346
Money market	31,651	32,027
Savings	42,154	41,774
Time deposits over $250,000	15,043	9,975
Other time deposits	61,099	57,280
Total deposits	178,047	168,826
Escrow deposits	2,081	1,382
Other borrowings	5,000	5,000
Accrued expenses and other liabilities	3,474	4,023
Total liabilities	188,602	179,231
Stockholders' equity:
Common Stock ($0.01 par value; 10,000,000 shares authorized; 5,315,261 shares outstanding at March 31, 2024 and December 31, 2023)	56	56
Treasury Stock, at cost (269,898 shares at March 31, 2024 and December 31, 2023)	(2,381)	(2,381)
Additional paid-in capital	51,080	50,920
Retained earnings	40,809	41,055
Unallocated common shares held by ESOP	(3,829)	(3,882)
Accumulated other comprehensive loss, net	(8,773)	(8,223)
Total stockholders' equity	76,962	77,545
Total liabilities and stockholders' equity	$ 265,564	$ 256,776

About NSTS Bancorp, Inc.

NSTS 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 interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate mortgage, construction, home equity, and consumer loans. It operates through full-service banking offices in Lake County, Illinois; and one loan production office in Chicago. The company was founded in 1921 and is headquartered in Waukegan, Illinois.

CEO	Mr. Stephen G. Lear
WEBSITE	northshoretrust.com
INDUSTRY	Banks Diversified
EMPLOYEES	37

NSTS Bancorp, Inc. Frequently Asked Questions

What is the ticker symbol for NSTS Bancorp, Inc.? What does NSTS stand for in stocks?

NSTS is the stock ticker symbol of NSTS Bancorp, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of NSTS Bancorp, Inc. (NSTS)?

As of Fri May 17 2024, market cap of NSTS Bancorp, Inc. is 51.3 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of NSTS stock?

You can check NSTS's fair value in chart for subscribers.

What is the fair value of NSTS stock?

You can check NSTS's fair value in chart for subscribers. The fair value of NSTS Bancorp, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of NSTS Bancorp, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for NSTS so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is NSTS Bancorp, Inc. a good stock to buy?

The fair value guage provides a quick view whether NSTS is over valued or under valued. Whether NSTS Bancorp, Inc. is cheap or expensive depends on the assumptions which impact NSTS Bancorp, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for NSTS.

What is NSTS Bancorp, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, NSTS's PE ratio (Price to Earnings) is -11.73 and Price to Sales (PS) ratio is 6.2. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. NSTS PE ratio will change depending on the future growth rate expectations of investors.