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Company Analysis

NSTS Bancorp, Inc. NSTS

A comprehensive view of key metrics, scores, and financial health for NSTS Bancorp, Inc.

Overview of NSTS Bancorp, Inc.

NSTS NCM
Financial Services Banks - Regional Micro Cap
NSTS Bancorp, Inc. (NSTS), is a Micro Cap company, in the Banks - Regional industry, last closed at $12.20, about 36.5% undervalued vs fair value, -0.8% 1Y return, placing in the top 10% of its sector.
$12.20
-0.41%
As of March 13, 2026
Previous close • Vol 90d: 18.1%
52-Week Range
Market Cap
$59.88M
Enterprise Value
$50.00M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.northshoretrust.co...
HQ Waukegan, IL
Employees 50
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$9
$17
$31
Current: $12.20 +37% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$10.3M
33.3%%
Interest Expense
$3.2M
Net Interest Income
$7.1M
13.5%%
Total Revenue
$8.8M
77.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-1.0%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
2/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating NSTS Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
21
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
24
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NSTS's balance between Growth (82.9%), Profitability (7.3%), and Safety (9.7%). Growth 83% Safety 10% Profitability 7%

Click axes to expand details. Marker shows current allocation.

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Growth

66th percentile vs peers
66
Key Signals
Rev Growth YoY 77.5% 70p Asset Growth YoY 8.5% 74p Revenue CAGR 3Y 19.3% 52p
Strengths
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

5th percentile vs peers
6
Key Signals
Strengths
Risks
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Safety

7th percentile vs peers
8
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for NSTS Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$16.65
- - -
+36.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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