NSTS Bancorp, Inc. (NASDAQ: NSTS) serves as the parent entity of North Shore Trust and Savings, a federally-chartered stock savings bank with a rich history dating back to 1921. The company is headquartered in Waukegan, Illinois, and focuses on community banking, providing a comprehensive suite of financial services to individuals ...NSTS Bancorp, Inc. (NASDAQ: NSTS) serves as the parent entity of North Shore Trust and Savings, a federally-chartered stock savings bank with a rich history dating back to 1921. The company is headquartered in Waukegan, Illinois, and focuses on community banking, providing a comprehensive suite of financial services to individuals and businesses in the region. Its deposit products include checking accounts, money market accounts, savings accounts, and time deposits (CDs). On the lending side, NSTS offers one-to-four family residential mortgages, multi-family and commercial real estate loans, construction financing, home equity lines of credit, and various consumer loans.
The bank operates from its main office in Waukegan, two full-service branches in Waukegan and Lindenhurst, and a specialized loan production office in Chicago, ensuring a strong local presence. As of the latest data, the company holds approximately $264 million in assets and employs 49 full-time staff members. Financially, NSTS has a market capitalization of around $72.7 million, a price-to-book ratio of 0.849, and a book value per share of $16.26. The company has shown modest revenue per share of $2.70, but has recently experienced a slight net loss, resulting in a negative earnings per share of -$0.02. Despite this, the company maintains a cash per share of $10.06 and a debt-to-equity ratio of 0.356, indicating a conservative capital structure.
Leadership is under Stephen G. Lear, who serves as Chairman and CEO of NSTS Bancorp, Inc. and also as CEO and President of North Shore Trust and Savings. The company went public in January 2022 and continues to focus on serving the local community with personalized banking services. Looking ahead, NSTS aims to leverage its long-standing heritage to grow its loan portfolio and enhance shareholder value through prudent financial management.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$13.3M
+10.2%
+23.0%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$-386000
+51.1%
-423.1%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+74.8%
+3.3%
+3.7%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
-2.9%
+55.6%
-325.3%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
-2.9%
+55.6%
-325.3%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$3.9M
-56.7%
-47.0%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+29.8%
-60.7%
-56.9%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
34.5%
-17.1%
-100.0%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.24x
-29.4%
—
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
