YOLFTbeta
NSTS Bancorp Inc

NSTS Bancorp Inc

NSTS · NASDAQ · Financial Services / Banks - Regional

14.26USD+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close14.26
Open14.26
Day Range14.26 – 14.26
52-Week Range10.72 – 14.19
Volume0
Market Cap74.17M
P/E (TTM)0.00
Forward P/E0.00
EPS-0.01
Dividend Yield0.00%
Beta0.22
50-Day Avg13.94
200-Day Avg13.02

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Stephen G. Lear
  • Employees49
  • Headquarters700 South Lewis Avenue, Waukegan, IL, United States, 60085, USA
  • Websitehttps://www.northshoretrust.com

Leadership

  • Mr. Stephen G. LearChairman, President & CEO · b. 1957
  • Ms. Carissa H. SchoolcraftChief Financial Officer · b. 1993
  • Ms. Amy L. AvakianVP and Chief Lending Officer of North Shore Trust & Savings · b. 1962
  • Ms. Christine E. SticklerCorporate Secretary

Financials

Income Statement

Currency: USD2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue7.78M7.47M6.12M7.50M6.46M12.03M13.27M
Growth (%)--3.92%-18.13%+22.56%-13.83%+86.24%+10.24%
Cost of Revenue1.82M1.95M917.00K534.00K1.68M3.31M3.34M
Gross Profit5.95M5.52M5.20M6.96M4.78M8.72M9.93M
Gross Margin76.56%73.88%85.01%92.88%73.94%72.46%74.84%
Operating Expense5.63M6.14M5.47M6.79M7.74M9.51M10.31M
Operating Income328.07K-615.00K-269.00K173.00K-2.96M-789.00K-386.00K
Operating Margin4.22%-8.23%-4.40%2.31%-45.78%-6.56%-2.91%
EBITDA612.43K-325.00K-1.00K440.00K-2.69M-496.00K-84.00K
EBITDA Margin7.87%-4.35%-0.02%5.87%-41.67%-4.12%-0.63%
Net Income413.81K-112.00K-55.00K27.00K-3.96M-789.00K-386.00K
Net Income Margin5.32%-1.50%-0.90%0.36%-61.24%-6.56%-2.91%
Interest Expense1.73M1.49M940.00K764.00K1.51M3.24M3.53M
Interest Expense % of Total Revenue22.19%19.91%15.36%10.19%23.34%26.95%26.61%

Balance Sheet

Currency: USD2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets235.55M242.22M340.87M264.21M256.78M278.69M266.65M
Total Liabilities189.78M195.49M295.69M183.66M179.23M202.20M186.67M
Total Equity45.76M46.73M45.18M80.54M77.55M76.49M79.97M
Cash52.55M44.30M125.08M17.62M33.38M54.98M35.29M
Total Debt20.05M30.10M122.02M31.64M32.77M31.83M27.59M
Net Debt-32.50M-14.21M-3.06M14.01M-609.00K-23.15M-7.69M

Cash Flow

Currency: USD2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.74M-620.00K1.45M2.99M431.00K9.43M4.05M
Investing Cash Flow3.77M-5.93M-11.85M-44.48M24.95M-8.16M-9.77M
Financing Cash Flow8.19M6.04M100.14M-66.97M-7.14M20.82M-13.72M
Capital Expenditure114.13K104.00K142.00K215.00K516.00K319.00K104.00K
Free Cash Flow1.63M-724.00K1.31M2.77M-85.00K9.11M3.95M
Dividends Paid---4.32M---
FCF to OCF93.45%116.77%90.22%92.81%-19.72%96.62%97.43%
Dividend Paid to FCF---155.70%---

Earnings

Report DateNov 12, 2021Mar 22, 2022May 13, 2022Aug 12, 2022Nov 14, 2022Mar 30, 2023Mar 31, 2023Jun 30, 2023Sep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Mar 28, 2025May 14, 2025Aug 14, 2025Nov 13, 2025Dec 31, 2025Mar 31, 2026Aug 13, 2026Nov 12, 2026
EPS Estimate0.000.00-------------------
EPS Actual-0.04-0.01-0.070.030.020.010.03-0.03-0.05-0.77-0.05-0.07-0.03-0.01-0.07-0.050.010.03-0.01-0.04-
Surprise---------------------
Timing---------------------

Key Statistics & Ratios

Market Cap74.17M
Enterprise Value21.17M
Trailing P/E0.00
Forward P/E0.00
Price / Sales6.30
Price / Book0.93
EPS-0.01
Book Value16.29
Revenue (TTM)11.02M
Gross Profit (TTM)11.02M
Profit Margin-0.39%
Operating Margin12.57%
Return on Equity-0.05%
Return on Assets-0.02%
Shares Outstanding5.25M
Shares Float4.56M
Beta0.22
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
25.62%
Insiders
15.96%
Retail / Other
58.42%

Top Institutional Holders

  • AllianceBernstein L.P.
    516.46K9.82%
  • Vanguard Capital Management, LLC
    189.94K3.61%
  • GRAHAM CAPITAL WEALTH MANAGEMENT, LLC
    109.47K2.08%
  • Raffles Associates LP
    93.77K1.78%
  • The Colony Group LLC
    60.73K1.15%
  • Creative Planning Inc
    45.00K0.86%
  • Geode Capital Management, LLC
    44.88K0.85%
  • Roberts Glore & Co Inc
    36.50K0.69%
  • Vanguard Fiduciary Trust Co
    28.02K0.53%
  • M3F, Inc.
    26.66K0.51%
  • Northern Trust Corp
    21.18K0.40%
  • Penderfund Capital Management Ltd
    17.83K0.34%
  • Renaissance Technologies Corp
    17.50K0.33%
  • BlackRock Inc
    12.16K0.23%
  • State Street Corp
    11.21K0.21%
  • Susquehanna International Group, LLP
    11.18K0.21%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    146.30K2.78%
  • Fidelity Extended Market Index
    20.93K0.40%
  • Pender Alternative Arbitrage Plus F
    15.66K0.30%
  • iShares Micro-Cap ETF
    14.72K0.28%