Financial Services
NSTS Bancorp, Inc.(NSTS)
Live Price
Offline$13.74
-0.07% today
1Y Change
+12.16%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $70.00M
- Revenue Growth
- +10.2%
- EPS Growth
- +50.6%
- Dividend Yield
- 0.0%
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
NSTS Bancorp, Inc. (NSTS) is a Financial Services stock with a market cap of $70.00M and listed on NASDAQ. The stock last traded around $13.74 and up 12.2% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +10.2%, EPS growth of +50.6%, a dividend yield of 0.0%. What stands out right now is revenue +10.2%, EPS +50.6%, free cash flow -56.7% with operating margin -3.0% and ROIC 0.6%. Valuation sits in the middle of the pack at price/sales 5.1. Stock Foundry combines NSTS price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+10.2% vs +3.4% peer median
Operating Margin
Below sector median
-3.0% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Mar 27, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +10.2% and EPS at +50.6%, with operating margin around -3.0%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.0% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Mar 27, 2026 | โ | -0.7% | +1.4% | +8.7% |
2025 Nov 13, 2025 | โ | +0.4% | +1.2% | +7.6% |
2025 Aug 14, 2025 | โ | +0.0% | +0.5% | -1.2% |
Benchmark Edge
NSTS vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
NSTS
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
NSTS Max Drawdown
-12.18%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for NSTS and SPY.
Company Overview
NSTS Bancorp, Inc.
NASDAQ Capital Market
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 checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate, construction, home equity, and consumer loans. It operates through a main banking office in Waukegan, Illinois; and two full-service branch offices located in Waukegan and Lindenhurst, Illinois, as well as a loan production office in Chicago, Illinois. The company was founded in 1921 and is headquartered in Waukegan, Illinois.
- Leadership
- Stephen G. Lear
- IPO Date
- Jan 19, 2022
- Employees
- 53
- Street Address
- 700 South Lewis Avenue
- Mailing
- Waukegan, IL, 60085
- Region
- Waukegan, IL, US
- Reporting Currency
- USD
- Investor Line
- 847 336 4430
- Last Updated
- May 2, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- โ
- EV/EBITDA
- โ
- Price/Sales
- 5.1
- Price/Book
- 0.8
Growth
- Revenue
- +10.2%
- EPS
- +50.6%
- Free Cash Flow
- -56.7%
Profitability
- Gross Margin
- 74.4%
- Operating Margin
- -3.0%
- Net Margin
- -3.0%
- ROE
- -0.5%
- ROIC
- 0.6%
Balance Sheet
- Debt/Equity
- 0.35
- Current Ratio
- 0.52
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.