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

9.63USD+0.01 (+0.10%)Market Closed

Market Summary

USD9.63+0.01

Market Closed

0.10%

NSTS Stock Price

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NSTS RSI Chart

NSTS Valuation

Market Cap

51.1M

Price/Earnings (Trailing)

-12.92

Price/Sales (Trailing)

6.62

EV/EBITDA

5.6

Price/Free Cashflow

-601.56

NSTS Price/Sales (Trailing)

NSTS Profitability

EBT Margin

-38.28%

Return on Equity

-5.1%

Return on Assets

-1.54%

Free Cashflow Yield

-0.17%

NSTS Fundamentals

NSTS Revenue

Revenue (TTM)

7.7M

Rev. Growth (Yr)

12.11%

Rev. Growth (Qtr)

7.43%

NSTS Earnings

Earnings (TTM)

-4.0M

Earnings Growth (Yr)

-9.8K%

Earnings Growth (Qtr)

-1.5K%

Breaking Down NSTS Revenue

52 Week Range

8.269.63

(Low)(High)

Last 7 days

0.4%

Last 30 days

0.3%

Trailing 12 Months

14.1%

How does NSTS drawdown profile look like?

NSTS Financial Health

NSTS Investor Care

Buy Backs (1Y)

1.53%

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
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?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 07, 2024	SUSQUEHANNA INTERNATIONAL GROUP, LLP	added	4.87	6,599	107,363	-%
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 29, 2024	American Capital Advisory, LLC	sold off	-100	-8,084	-	-%
Apr 18, 2024	Capital Advisors, Ltd. LLC	new	-	-	-	-%
Apr 18, 2024	Miracle Mile Advisors, LLC	unchanged	-	435	138,330	-%
Mar 11, 2024	VANGUARD GROUP INC	added	1.61	128,820	2,031,190	-%
Feb 14, 2024	Royal Bank of Canada	added	1,366	2,000	2,000	-%
Feb 14, 2024	BANK OF AMERICA CORP /DE/	new	-	29.00	29.00	-%
Feb 14, 2024	BHZ CAPITAL MANAGEMENT, LP	added	95.63	257,828	502,033	0.27%
Feb 14, 2024	Creative Planning	unchanged	-	20,700	427,950	-%

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
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	567.2B	174.7B	0.18%	44.71%	11.26	3.25	53.11%	19.83%
BAC	299.4B	137.9B	1.46%	40.12%	11.96	2.17	56.12%	-12.56%
WFC	213.6B	85.8B	6.46%	60.14%	11.38	2.49	35.02%	26.14%
C	120.8B	125.0B	2.71%	36.58%	15.11	0.97	37.85%	-
CFG	16.4B	10.4B	2.97%	41.85%	11.45	1.57	26.22%	-33.87%
KEY	14.2B	8.1B	-2.96%	61.70%	16.27	1.75	32.15%	-50.93%
MID-CAP
CMA	7.1B	4.2B	-2.04%	52.25%	10.18	1.67	34.68%	-45.96%
ZION	6.5B	4.1B	1.86%	86.61%	10.4	1.6	32.93%	-30.73%
ABCB	3.5B	1.3B	4.92%	71.30%	12.23	2.63	30.60%	-12.99%
ASB	3.4B	2.0B	4.24%	49.43%	20.97	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%
ALRS	404.2M	152.4M	-2.01%	50.33%	40.66	2.65	16.94%	-73.84%
AROW	403.8M	173.1M	3.34%	19.72%	13.84	2.33	26.54%	-34.86%
ACNB	281.6M	98.7M	-6.05%	16.29%	9.57	2.85	6.27%	-22.90%
ASRV	44.6M	60.9M	12.07%	-9.72%	-13.32	0.73	24.06%	-144.92%

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3
Revenue	7.4%	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	-48.3%	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	-1.8%	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	1144.8%	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	-692.9%	-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	-8345.8%	-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	-1524.6%	-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	-2478.3%	-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	-341.2%	-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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2020Q4
Assets	2.0%	257	252	257	260	264	268	274	285	341	260	242
Cash Equivalents	193.6%	31.00	11.00	11.00	10.00	13.00	18.00	33.00	52.00	122	43.00	32.00
Net PPE	7.4%	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00
Liabilities	2.6%	179	175	177	177	184	189	191	198	296	214	195
Shareholder's Equity	0.5%	78.00	77.00	80.00	82.00	81.00	79.00	84.00	87.00	45.00	46.00	47.00
Retained Earnings	-8.4%	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	0.6%	51.00	51.00	50.00	50.00	50.00	50.00	50.00	50.00	-	-	-
Shares Outstanding	-2.2%	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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3
Cashflow From Operations	-70.0%	68.00	227	-127	263	-453	1,747	32.00	1,663	1,189	-1,070	1,019	314	-	-
Share Based Compensation	88.8%	321	170	-	-	-	-	-	-	-	-	-	-	-	-
Cashflow From Investing	669.2%	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	198.9%	3,047	-3,080	-1,190	-5,917	-4,430	-3,356	-7,393	-51,796	81,002	20,186	-600	-448	-	-
Buy Backs	45.3%	1,026	706	-	-	-	-	-	-	-	-	-	-	-	-

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NSTS Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Loans, including fees	$ 4,360	$ 3,618
Securities
Taxable	2,506	2,013
Tax-exempt	396	402
Federal funds sold and other	348	259
Time deposits with other financial institutions	94	41
FHLB stock	24	15
Total interest income	7,728	6,348
Interest expense:
Deposits	1,336	764
Other borrowings	172	0
Total interest expense	1,508	764
Net interest income	6,220	5,584
Provision for (reversal of) credit losses	176	(230)
Net interest income after provision for (reversal of) credit losses	6,044	5,814
Noninterest income:
Gain on sale of mortgage loans	32	106
Loss on sale of securities	(1,794)	(0)
Rental income on office building	64	53
Service charges on deposits	270	291
Increase in cash surrender value of BOLI	192	178
Other	86	608
Total noninterest income	(1,150)	1,236
Noninterest expense:
Salaries and employee benefits	4,554	3,846
Equipment and occupancy	739	658
Data processing	684	632
Professional services	601	500
Advertising	104	90
Supervisory fees and assessments	140	142
Loan expenses	117	86
Deposit expenses	217	203
Director fees	216	223
Other	480	497
Total noninterest expense	7,852	6,877
(Loss) income before income taxes	(2,958)	173
Income tax expense (benefit)	999	146
Net (loss) income	$ (3,957)	$ 27
Basic and diluted (loss) earnings per share (in dollars per share)	$ (0.79)	$ 0.01
Weighted average shares outstanding (in shares)	5,004,498	4,729,236

NSTS Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Assets:
Cash and due from banks	$ 1,000,000	$ 1,583,000
Interest-bearing bank deposits	30,388,000	11,564,000
Cash and cash equivalents	31,388,000	13,147,000
Time deposits with other financial institutions	1,991,000	4,477,000
Securities available for sale	82,135,000	121,205,000
Federal Home Loan Bank stock (FHLB)	550,000	550,000
Loans held for sale	380,000	0
Loans, net of unearned income	121,799,000	103,983,000
Allowance for credit losses on loans	(1,176,000)	(624,000)
Loans, net	120,623,000	103,359,000
Premises and equipment, net	5,285,000	5,035,000
Accrued interest receivable	758,000	852,000
Bank-owned life insurance (BOLI)	9,441,000	9,249,000
Other assets	4,225,000	6,332,000
Total assets	256,776,000	264,206,000
Deposits:
Noninterest bearing	12,424,000	12,977,000
Interest-bearing
Demand and NOW checking	15,346,000	18,659,000
Money market	32,027,000	42,624,000
Savings	41,774,000	49,068,000
Time deposits over $250,000	9,975,000	8,801,000
Other time deposits	57,280,000	46,585,000
Total deposits	168,826,000	178,714,000
Escrow deposits	1,382,000	1,253,000
Other borrowings	5,000,000	0
Accrued expenses and other liabilities	4,023,000	3,697,000
Total liabilities	179,231,000	183,664,000
Stockholders' equity:
Common stock ($0.01 par value; 10,000,000 shares authorized; 5,315,261 and 5,397,959 shares outstanding at December 31, 2023 and December 31, 2022, respectively)	56,000	54,000
Treasury Stock, at cost (269,898 shares at December 31, 2023)	(2,381,000)	0
Additional paid-in capital	50,920,000	50,420,000
Retained earnings	41,055,000	45,291,000
Unallocated common shares held by ESOP	(3,882,000)	(4,098,000)
Accumulated other comprehensive loss, net	(8,223,000)	(11,125,000)
Total stockholders' equity	77,545,000	80,542,000
Total liabilities and stockholders' equity	$ 256,776,000	$ 264,206,000

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 Thu May 09 2024, market cap of NSTS Bancorp, Inc. is 51.13 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 Thu May 09 2024, NSTS's PE ratio (Price to Earnings) is -12.92 and Price to Sales (PS) ratio is 6.62. 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.