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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

NSTS Bancorp Inc (NSTS)

Financial Services Banks - Regional
13.80 $
-0.2% vs. previous close
Closing price · As of: 31. Jul 2026
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Trading Day

Previous Close
13.80$
Open
13.80$
Day High
13.80$
Day Low
13.80$
Volume
6,652shares

Key levels of the most recently completed trading day — not a live quote.

52-Week Range

52-Week Low 52-Week High
10.80 $ 13.80 $
10/22/2025 05/22/2026

Current price 13.80 $ — 100% of the range above the low.

Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.

Basics

Market Cap
0.1$B
Shares Outstanding
5Mio.
Float
94.4%
Beta
0.2

Performance

Perf. 1M
0.10%
Perf. 3M
18.80%
Perf. 6M
13.90%
YTD Performance (%)
6.10%
52-Week-High Distance
-0.7%
Perf. 1Y
12.85%
Perf. 3Y
49.40%
Perf. 5Y
9.27%
Perf. Since Inception
9.53%

Technical Indicators

MA 38 Days
13.80$
MA 50 Days
13.80$
MA 200 Days
12.50$
RSI (14)
55.3
Volatility 30 Days
1.7%
Volatility 250 Days
17.4%

Calculated from the price history · as of 08/03/2026

Valuation

P/E
Forward P/E
0.0
PEG
P/B
0.8
P/S
5.3
EV/EBITDA
0.0
Price/FCF
5.7

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
-1.0%
Return on Equity
-0.1%
Return on Assets
-0.04%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.4
Altman Z″
1.55
Piotroski
7 out of 9

Growth

Sales Growth Last Quarter
15.30%
EPS Growth Last Quarter
0.00%
Sales Growth (Year)
10.24%
Forward Sales Growth
Forward EPS Growth

Dividend

This stock currently pays no dividend.

Quality & Screener

Stage
2
RS Rating
54
EPS Rating
42
Piotroski
7 out of 9
Fundamental Rating
C (54 out of 100)
Altman Z″
1.55

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Next Reporting Date

13. Aug 2026 · Q2 2026

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

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Sales Per Quarter ($M)
2024: Q4 · 3.3 $M Q4 2025: Q1 · 3.0 $M Q1 2025: Q2 · 3.4 $M Q2 2025: Q3 · 3.3 $M Q3 2025: Q4 · 3.3 $M Q4 2026: Q1 · 3.2 $M Q1

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 -0.01 3 652.20 -1.40 9 9
2025: Q1 -0.07 3 11.40 -11.00 -3 -3
2025: Q2 -0.05 3 13.20 -7.60 1 1
2025: Q3 0.01 3 9.60 2.00 3 3
2025: Q4 0.03 3 0.10 4.10 3 3
2026: Q1 -0.01 3 8.30 -1.20 6 6
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

NSTS Bancorp, Inc. ist eine Spar- und Darlehensholding der North Shore Trust and Savings, die in Illinois Bankprodukte und -dienstleistungen anbietet.

Employees49
HeadquartersWaukegan, IL
Websitenorthshoretrust.com
IPO Date19. Jan 2022

Management

Management
Name Title Birth Year
Stephen G. Lear Chairman, President & CEO 1957
Carissa H. Schoolcraft Chief Financial Officer 1993
Amy L. Avakian VP and Chief Lending Officer of North Shore Trust & Savings 1962
Christine E. Stickler Corporate Secretary

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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