NSTS Bancorp, Inc.

NSTS

NSTS Bancorp, Inc.

NSTS

Insider Sentiment (TTM):

Last Purchase:2022-01-21Last Sale:2024-08-12Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:1,191,485Shares Outstanding:4,917,167Institutional Ownership Pct.:24.23%

Earnings Market Reaction:

Filing Date:2026-08-13Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	1	1	1	1	1	1	1	1	1	1	1	1
Interest Bearing Deposits In Banks	46	42	33	33	46	56	52	34	31	35	30	10
Cash And Cash Equivalents At Carrying Value	48	43	34	34	47	57	53	35	32	36	31	11
Debt Securities Available For Sale Excluding Accru…	75	77	79	80	70	70	71	75	75	80	82	110
Federal Home Loan Bank Stock	1	1	1	1	1	1	1	1	1	1	1	1
Loans Receivable Held For Sale Amount	1	2	4	2	4	3	1	3	5	1	0	0
Financing Receivable Excluding Accrued Interest Be…	-	129	130	134	134	-	132	-	-	-	-	-
Financing Receivable Allowance For Credit Loss Exc…	-	-1	-1	-1	-1	-1	-1	-1	-1	-	-	-
Assets
Assets	270	270	267	270	276	283	279	268	266	266	257	252
Notes Receivable Gross	-	-	-	-	-	131	132	135	132	127	122	108
Financing Receivable Allowance For Credit Losses	-	-	-	-	-	-1	-1	-1	-1	-1	-1	-1
Notes Receivable Net	-	-	-	-	-	130	130	134	131	126	121	107
Financing Receivable Excluding Accrued Interest Af…	-	128	129	133	133	-	130	-	-	-	-	-
Property Plant And Equipment Net	5	5	5	5	5	5	5	5	5	5	5	5
Interest Receivable	1	1	1	1	1	1	1	1	1	1	1	1
Bank Owned Life Insurance	10	10	10	10	10	10	10	10	10	9	9	9
Other Assets	3	3	3	3	4	4	4	4	5	4	4	7
Noninterest Bearing Deposit Liabilities Domestic	14	14	13	12	12	13	12	11	11	12	12	12
Interest Bearing Deposit …
Deposits
Deposits	184	184	181	186	193	194	190	180	178	178	169	165
Deposits Money Market Deposits	26	26	26	27	28	29	29	29	31	32	32	34
Deposits Savings Deposits	38	37	39	39	44	42	42	40	41	42	42	43
Time Deposit Liability Above Us Insurance Limit	27	26	23	25	24	22	22	17	16	15	10	9
Interest Bearing Domestic Deposit Other Time Depos…	65	66	66	70	71	70	71	68	64	61	57	52
Advances From Federal Home Loan Banks	-	-	0	0	0	5	5	5	5	5	5	5
Accrued Liabilities And Other Liabilities	4	4	4	4	3	4	5	4	5	3	4	3
Liabilities	190	190	187	191	198	205	202	190	189	189	179	175
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Treasury Stock Common Value	-3	-3	-3	-3	-3	-3	-3	-3	-3	-2	-2	-1
Additional Paid In Capital	53	53	52	52	52	52	52	51	51	51	51	51
Stockholders Equity
Stockholders Equity	80	80	80	79	78	77	76	78	77	77	78	77
Retained Earnings Accumulated Deficit	40	40	40	40	40	40	40	40	40	41	41	45
Accumulated Other Comprehensive Income Loss Net Of…	-6	-6	-6	-6	-7	-8	-9	-7	-9	-9	-8	-13
Liabilities And Stockholders Equity	270	270	267	270	276	283	279	268	266	266	257	252
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	-	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	10	10	10	-	10	10	10	10	10	10	10	10
Common Stock Shares Issued	6	6	6	-	-	-	6	-	-	-	-	6
Shares Outstanding	5	5	5	-	5	5	5	5	5	5	5	5
Treasury Stock Common Shares	0	0	0	-	0	0	0	0	0	0	0	0

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Custom Table

10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	0.51%	0.88%	1.25%	-	-	-	-	-	-	-	-	-
2025	6.06%	4.81%	4.72%	0.23%	-4.55%	-6.22%	6.29%	15.95%	14.31%	11.86%	17.72%	18.76%
2024	0.83%	1.14%	4.05%	-3.67%	1.91%	10.32%	1.15%	8.27%	8.73%	11.62%	6.68%	12.75%
2023	-	-	-	-	-	-	3.56%	8.74%	10.57%	0.31%	1.47%	0.73%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-1.01	-1.01	-1.05	-1.08	-1.11	-1.12	-0.90	-1.17	-1.04	-0.68	-0.96	0.97
Per Share Metrics
Diluted EPS TTM	-	-	-	-0.12	-	-	-	-0.92	-	-	-	-
Free Cash Flow Per Share TTM	1.26	2.47	0.80	2.59	2.33	1.29	1.86	-0.10	-0.38	-0.06	-0.02	-0.03
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	-1,147.04%	-1,225.00%	-1,300.79%	-1,349.01%	-1,324.02%	-1,262.99%	-1,166.80%	-1,105.02%	-935.88%	-726.97%	-540.37%	-373.99%
Operating Profit Margin TTM	-17.00%	-38.49%	-153.17%	-224.11%	-316.14%	-342.91%	-308.20%	-1,318.53%	-1,366.79%	-1,253.18%	-1,095.56%	-12.45%
Net Profit Margin TTM	-17.00%	-38.49%	-153.17%	-224.11%	-316.14%	-342.91%	-308.20%	-1,742.08%	-1,745.42%	-1,637.83%	-1,465.56%	-54.58%
Growth Metrics
Net Revenue Growth (1Y)	-0.39%	-0.79%	-1.56%	-2.32%	-3.05%	-4.87%	-5.19%	-5.13%	-5.76%	-5.99%	-7.22%	-37.24%
Net Income Growth (1Y)	-94.65%	-88.86%	-51.08%	-87.43%	-82.44%	-80.08%	-80.06%	2,928.19%	-2,375.12%	-1,018.70%	-14,755.56%	79.52%
EPS Growth (1Y)	-94.68%	-88.94%	-50.84%	-87.37%	-82.30%	-79.91%	-79.68%	3,042.37%	-2,398.56%	-1,030.43%	-13,949.46%	75.23%
Valuation Metrics
P/E TTM	-1,575.05	-591.07	-163.97	-99.41	-75.03	-63.31	-73.45	-11.26	-10.37	-10.75	-12.03	-309.38
P/B TTM	0.85	0.72	0.79	0.71	0.77	0.71	0.76	0.65	0.62	0.61	0.61	0.60
P/S TTM	267.70	227.52	251.16	222.79	237.21	217.08	226.39	196.15	181.04	176.04	176.27	168.85
Market Cap	67.73M	57.33M	63.29M	56.37M	60.25M	55.14M	57.96M	50.80M	47.43M	47.00M	47.59M	46.10M
Enterprise Value	20.20M	13.94M	29.25M	22.23M	12.76M	-2.31M	4.47M	16.21M	15.00M	10.64M	16.20M	35.41M
Calculated Values
Free Cash Flow TTM	6.23M	12.17M	3.92M	12.67M	11.37M	6.31M	9.11M	-479.00K	-1.89M	-272.00K	-85.00K	-170.00K
Net Debt	-47.52M	-43.39M	-34.04M	-34.14M	-47.49M	-57.45M	-53.48M	-34.59M	-32.43M	-36.36M	-31.39M	-10.69M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-08-12Sale

Owner: Ivantic, Thomas M

Title: -

Shares: 530

Price/Share: $10.06

Value: $5,331.80

Shares Owned: 28,670

Relationship: Director

Ownership: Direct

2022-01-21Purchase

Owner: Schoolcraft, Carissa H

Title: Chief Financial Officer

Shares: 5,000

Price/Share: $12.50

Value: $62,500.00

Shares Owned: 5,000

Relationship: Officer

Ownership: Direct

2022-01-18Purchase

Owner: Lear, Stephen G.

Title: Chief Executive Officer

Shares: 30,000

Price/Share: $10.00

Value: $300,000.00

Shares Owned: 30,000

Relationship: Director,Officer

Ownership: Direct

2022-01-18Purchase

Owner: Kneesel, Thomas J

Title: -

Shares: 20,000

Price/Share: $10.00

Value: $200,000.00

Shares Owned: 20,000

Relationship: Director

Ownership: Direct

2022-01-18Purchase

Owner: True, Rodney J,

Title: -

Shares: 30,000

Price/Share: $10.00

Value: $300,000.00

Shares Owned: 30,000

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-08-12	Ivantic, Thomas M	Director	-	Direct	Sale	530	10.06	$5,331.80	28,670	4
2022-01-21	Schoolcraft, Carissa H	Officer	Chief Financial Officer	Direct	Purchase	5,000	12.50	$62,500.00	5,000	4
2022-01-18	Lear, Stephen G.	Director,Officer	Chief Executive Officer	Direct	Purchase	30,000	10.00	$300,000.00	30,000	4
2022-01-18	Kneesel, Thomas J	Director	-	Direct	Purchase	20,000	10.00	$200,000.00	20,000	4
2022-01-18	True, Rodney J,	Director	-	Direct	Purchase	30,000	10.00	$300,000.00	30,000	4
2022-01-18	Avakian, Amy L	Officer	Chief Lending Officer	Direct	Purchase	30,000	10.00	$300,000.00	30,000	4
2022-01-18	Walker, Nathan E	Officer	President	Direct	Purchase	30,000	10.00	$300,000.00	30,000	4
2022-01-18	Bond, Thaddeus M. Jr.	Director	-	Direct	Purchase	30,000	10.00	$300,000.00	30,000	4
2022-01-18	Arenas, Apolonio	Director	-	Direct	Purchase	17,500	10.00	$175,000.00	17,500	4
2022-01-18	True, Rodney J,	Director	-	Indirect	Purchase	10,000	10.00	$100,000.00	10,000	5
2022-01-18	Dolan, Kevin M	Director	-	Indirect	Purchase	30,000	10.00	$300,000.00	30,000	4
2022-01-18	Ivantic, Thomas M	Director	-	Direct	Purchase	20,000	10.00	$200,000.00	20,000	4
2022-01-18	Walker, Nathan E	Officer	President	Indirect	Purchase	2,500	10.00	$25,000.00	2,500	5
2022-01-18	Arenas, Apolonio	Director	-	Indirect	Purchase	10,000	10.00	$100,000.00	7,500	5
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Institutional Ownership

No data available for chart

2026-03-31

24.23%

Inst. Shares: 1,191,485

Shares Outstanding: 4,917,167

2025-12-31

23.44%

Inst. Shares: 1,145,564

Shares Outstanding: 4,887,508

2025-09-30

22.80%

Inst. Shares: 1,113,459

Shares Outstanding: 4,884,404

2025-06-30

22.70%

Inst. Shares: 1,109,495

Shares Outstanding: 4,886,652

2025-03-31

22.44%

Inst. Shares: 1,095,964

Shares Outstanding: 4,883,913

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	1,191,485	4,917,167	24.23%
2025-12-31	1,145,564	4,887,508	23.44%
2025-09-30	1,113,459	4,884,404	22.80%
2025-06-30	1,109,495	4,886,652	22.70%
2025-03-31	1,095,964	4,883,913	22.44%
2024-12-31	1,091,797	4,911,461	22.23%
2024-09-30	1,035,876	4,908,504	21.10%
2024-06-30	942,226	4,925,388	19.13%
2024-03-31	913,031	4,927,032	18.53%
2023-12-31	804,262	5,004,498	16.07%
2023-09-30	664,172	5,093,587	13.04%
2023-06-30	533,045	4,976,127	10.71%
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NSTS Bancorp, Inc. (NSTS) — SEC Financial Statements & Analysis

NSTS Bancorp, Inc. (NSTS) is a savings institution, federally chartered company. NSTS Bancorp, Inc. trades on Nasdaq as: NSTS. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), NSTS Bancorp, Inc. reported a -0.39% year-over-year revenue growth, a Gross Profit Margin of -1147.04% (TTM), a Price-to-Sales (P/S) ratio of 267.70x (TTM), a Price-to-Book (P/B) ratio of 0.85x (TTM), at a market cap of $67.73M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -0.39%
Gross Profit Margin TTM: -1147.04%
P/S TTM: 267.70x
P/B TTM: 0.85x
Market Cap: $67.73M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is NSTS Bancorp, Inc. in?

NSTS Bancorp, Inc. (NSTS) operates in the Savings Institution, Federally Chartered industry.

What is NSTS's market cap?

NSTS Bancorp, Inc. (NSTS) has a market capitalization of $67.73M as of 2026-06-30.

What exchange does NSTS trade on?

NSTS Bancorp, Inc. (NSTS) trades on the Nasdaq.

NSTS Bancorp, Inc.

Financial Statements

Custom Table

Interactive Financial Visualizations

Earnings Market Reaction

Performance and Valuation Metrics

Insider Transactions

Institutional Ownership

NSTS Bancorp, Inc. (NSTS) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Savings Institution, Federally Chartered

Wall Street's data.
Main Street's price.

NSTS Bancorp, Inc. (NSTS) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Savings Institution, Federally Chartered

Wall Street's data.Main Street's price.

Wall Street's data.
Main Street's price.