profit from every $100 of sales.
$0$100
NSTS Bancorp
We have no price for NSTS Bancorp since 5 October 2026. It may have been taken over, merged or renamed, so the figures below are from then.
$14.26+0.00% today
+25.6% in 1 year
1-year low $10.831-year high $14.26
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What NSTS Bancorp sold, what it kept, and what it did with the cash.
Sales went from $6.73 million in 2022 to $9.43 million in 2025, with -$386,000 of profit last year.
SalesProfit
NSTS Bancorp handed back 3% of the cash it generated last year.
Buybacks $114,000
Free cash flow 2025$4M
Bought back its own shares$114,000
Paid as dividends–
Cash vs. debt$35M vs. $28M
NSTS Bancorp vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| NSTS Bancorp | No profit yet | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads NSTS Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 7 | 5 | 9 | 9 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 0 | -4 | -1 | -0 | |
| 0.01 | -0.79 | -0.16 | -0.08 | |
| – | – | – | – | |
| – | – | – | – | |
| 0.4% | -79.9% | -9.0% | -4.1% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 264 | 257 | 279 | 267 |
| Cash | 18 | 33 | 55 | 35 |
| Total debt | 32 | 33 | 32 | 28 |
| Total liabilities | 184 | 179 | 202 | 187 |
| 81 | 78 | 76 | 80 | |
| 5 | 5 | 5 | 5 | |
| – | – | – | – | |
| 0.0% | -5.1% | -1.0% | -0.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 3 | 0 | 9 | 4 | |
| 0 | 1 | 0 | 0 | |
| 3 | -0 | 9 | 4 | |
| Dividends paid | – | – | – | – |
| 0 | 2 | 1 | 0 | |
| 0 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- –
- –
- –
- 0.8×
- 7.9×
- -0.5%
- 0.0%
Profitability
- -4.1%
- 0.6%
- -0.9%
- -0.5%
- -0.1%
Growth
- +11.9%
- –
- –
- −2.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 18%of 748
Bottom 8%of 603
Top 41%of 883
Top 46%of 933
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 14, 2026 | -0.01 | – | – |
| Mar 27, 2026 | 0.03 | – | – |
| Nov 13, 2025 | 0.01 | – | – |
| Aug 14, 2025 | -0.05 | – | – |
| May 14, 2025 | -0.07 | – | – |
| Mar 28, 2025 | -0.01 | – | – |
| Aug 9, 2024 | -0.07 | – | – |
| May 13, 2024 | -0.05 | – | – |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
28No pass
Benjamin Graham
47No pass
Philip Fisher
51No pass
Peter Lynch
47No pass
Joel Greenblatt
0No pass
Charlie Munger
36No pass
Terry Smith
30No pass
Questions about NSTS Bancorp
Is NSTS Bancorp a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the NSTS Bancorp AI analysis
What does NSTS Bancorp do?
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. It is in Banks - Regional.
Does NSTS Bancorp pay a dividend?
No. NSTS Bancorp does not pay a dividend at the moment; in 2025 it returned $114,000 to shareholders by buying back its own shares.
Is NSTS Bancorp stock halal?
No. NSTS Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has NSTS Bancorp stock done over the past year?
Up 25.6% over the past twelve months, to $14.26. It traded between $10.83 and $14.26, close to its high.
Who are NSTS Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with NSTS Bancorp's.
Prices: daily closes to Oct 5, 2026. Fundamentals: company reports via invest-like data.