NSTS — NSTS Bancorp, Inc.

Nasdaq · Financials · Thrifts & Mortgage Finance · CIK 1881592 ·
Last close
$13.77
Market Cap
$66.55M
52W High
$13.84
52W Low
$11.50
ADV30
19,246
Next earnings
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 mortgages, multifamily and commercial real estate mortgages, construction, consumer loans, other collateral and unsecured personal loans. It also provides online banking services. The company operates through full-service banking offices in Lake County, Illinois; and three loan production offices in Chicago, Plainfield, and Aurora. NSTS Bancorp, Inc. was founded in 1921 and is headquartered in Waukegan, Illinois.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Mar 2026 2,445,000 -39,000 270,318,000 44,386,000 190,344,000
Dec 2025 2,455,000 135,000 266,648,000 35,287,000 186,674,000
Sep 2025 2,442,000 65,000 269,842,000 35,380,000 190,903,000
Jun 2025 2,464,000 -258,000 275,976,000 48,982,000 198,143,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$4,052,000
Investing CF
$-9,768,000
Financing CF
$-13,723,000
CapEx
$-104,000
Dividends Paid
Buybacks
$-895,000
EPS Diluted TTM
$-0.14
As of
2026-05-10

Balance + Analyst (yfinance extras)

Retained Earnings
$39,880,000
Inventory
Receivables
$925,000
ST Investments
$1,610,000
EBIT TTM
Pretax Income TTM
$-386,000
Interest Exp TTM
$3,530,000
Analysts

Yahoo Snapshot (yfinance, live)

Total Revenue
$10,263,000
EBITDA
Free Cash Flow
Enterprise Value
$28,433,616
Total Cash
$44,386,000
Total Debt
$0
Shares Out
4,833,322
Trailing EPS
$-0.02
Book Value
$15.20
ROE
-0.1%
ROA
-0.0%
Div Yield

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 9,434,000 -386,000 266,648,000 186,674,000 4,052,000
Dec 2024 8,790,000 -789,000 278,688,000 202,198,000 9,433,000
Dec 2023 4,953,000 -3,957,000 256,776,000 179,231,000 431,000
Dec 2022 6,734,000 27,000 264,206,000 183,664,000 2,989,000

Peers — same industry

TickerNameMarket CapLastDaily %
CLST Catalyst Bancorp, Inc. $64.55M $15.93
HFBL Home Federal Bancorp, Inc. of Louisiana $58.15M $19.04
BYFC BROADWAY FINANCIAL CORP \DE\ $58.10M $9.40
FMFG Farmers & Merchants Bancshares, Inc. $56.95M $17.60
FSEA First Seacoast Bancorp, Inc. $78.59M $16.75

News headlines (Yahoo Finance, 1h cache)

BROOKFIELD BANCSHARES, INC. AND FIRST NATIONAL BANK OF BROOKFIELD ANNOUNCE EXECUTION OF MERGER AGREEMENT TO ACQUIRE NSTS BANCORP, INC. AND NORTH SHORE TRUST AND SAVINGS
2026-05-12 20:15 · Yahoo
NSTS Bancorp, Inc. Announces Passing of Nathan E. Walker, Chief Executive Officer and President of North Shore Trust and Savings
2026-04-09 20:15 · Yahoo
John Pucin Appointed to Board of Directors of NSTS Bancorp, Inc. and North Shore Trust and Savings
2025-06-18 20:00 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.