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NSTS BANCORP INC (NSTS) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:NSTS - US6293JP1094 - Common Stock

11.72 USD
-0.05 (-0.42%)
Last: 12/16/2025, 8:00:02 PM
Fundamental Rating

2

NSTS gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 385 industry peers in the Banks industry. NSTS scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. NSTS has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year NSTS has reported negative net income.
In the past year NSTS had a positive cash flow from operations.
In the past 5 years NSTS reported 4 times negative net income.
Of the past 5 years NSTS 4 years had a positive operating cash flow.
NSTS Yearly Net Income VS EBIT VS OCF VS FCFNSTS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 2M -2M 4M 6M 8M

1.2 Ratios

NSTS's Return On Assets of -0.21% is on the low side compared to the rest of the industry. NSTS is outperformed by 91.69% of its industry peers.
With a Return On Equity value of -0.72%, NSTS is not doing good in the industry: 91.17% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.21%
ROE -0.72%
ROIC N/A
ROA(3y)-0.6%
ROA(5y)-0.38%
ROE(3y)-2.03%
ROE(5y)-1.29%
ROIC(3y)N/A
ROIC(5y)N/A
NSTS Yearly ROA, ROE, ROICNSTS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -1 -2 -3 -4 -5

1.3 Margins

NSTS does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
NSTS Yearly Profit, Operating, Gross MarginsNSTS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 -20 -40 -60

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5

2. Health

2.1 Basic Checks

NSTS does not have a ROIC to compare to the WACC, probably because it is not profitable.
NSTS has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, NSTS has less shares outstanding
There is no outstanding debt for NSTS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
NSTS Yearly Shares OutstandingNSTS Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
NSTS Yearly Total Debt VS Total AssetsNSTS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

There is no outstanding debt for NSTS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.03%
NSTS Yearly LT Debt VS Equity VS FCFNSTS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NSTS Yearly Current Assets VS Current LiabilitesNSTS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M

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2

3. Growth

3.1 Past

NSTS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 87.25%, which is quite impressive.
NSTS shows a strong growth in Revenue. In the last year, the Revenue has grown by 49.71%.
NSTS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.88% yearly.
EPS 1Y (TTM)87.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%137.93%
Revenue 1Y (TTM)49.71%
Revenue growth 3Y19.24%
Revenue growth 5Y7.88%
Sales Q2Q%11.41%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
NSTS Yearly Revenue VS EstimatesNSTS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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2

4. Valuation

4.1 Price/Earnings Ratio

NSTS reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
NSTS Price Earnings VS Forward Price EarningsNSTS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NSTS is valued cheaper than 89.35% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.16
EV/EBITDA N/A
NSTS Per share dataNSTS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

NSTS does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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NSTS BANCORP INC

NASDAQ:NSTS (12/16/2025, 8:00:02 PM)

11.72

-0.05 (-0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-13 2025-11-13
Earnings (Next)03-09 2026-03-09
Inst Owners22.03%
Inst Owner Change0.36%
Ins Owners5.96%
Ins Owner Change0%
Market Cap61.41M
Revenue(TTM)9.66M
Net Income(TTM)-567.00K
AnalystsN/A
Price TargetN/A
Short Float %0.09%
Short Ratio0.75
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 6.36
P/FCF 6.16
P/OCF 6.02
P/B 0.78
P/tB 0.78
EV/EBITDA N/A
EPS(TTM)-0.12
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.9
FCFY16.23%
OCF(TTM)1.95
OCFY16.61%
SpS1.84
BVpS15.06
TBVpS15.06
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.21%
ROE -0.72%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 103.19%
ROA(3y)-0.6%
ROA(5y)-0.38%
ROE(3y)-2.03%
ROE(5y)-1.29%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 76.74%
Cap/Sales 2.39%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.03%
ROIC/WACCN/A
Cap/Depr(3y)128.11%
Cap/Depr(5y)94.14%
Cap/Sales(3y)5.65%
Cap/Sales(5y)4.24%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)87.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%137.93%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)49.71%
Revenue growth 3Y19.24%
Revenue growth 5Y7.88%
Sales Q2Q%11.41%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y5638.33%
FCF growth 3Y90.9%
FCF growth 5Y41.09%
OCF growth 1Y11433.3%
OCF growth 3Y86.68%
OCF growth 5Y40.22%

NSTS BANCORP INC / NSTS FAQ

What is the fundamental rating for NSTS stock?

ChartMill assigns a fundamental rating of 2 / 10 to NSTS.


What is the valuation status of NSTS BANCORP INC (NSTS) stock?

ChartMill assigns a valuation rating of 2 / 10 to NSTS BANCORP INC (NSTS). This can be considered as Overvalued.


How profitable is NSTS BANCORP INC (NSTS) stock?

NSTS BANCORP INC (NSTS) has a profitability rating of 1 / 10.