NSTS Bancorp, Inc.

NSTS

$14.02

+0.14%

N/A+$0.02

Financial Services

Banks - Regional

NASDAQ

Active Trading

NSTS Bancorp, Inc. functions as the parent entity for North Shore Trust and Savings, a financial institution that offers a comprehensive suite ...

Key Metrics of NSTS

Snapshot

Latest / TTM · 6 periods

Market Cap

$73.77M

ROCE

-0.0%

EV / EBITDA

282.72x

+0.3% YoY

FCF Yield

19.5%

+13.3% YoY

Cash Conversion Cycle

23.2d

Current Ratio

0.00

Quick take

TTM —

Current ratio below 1.0

Positive CCC

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$67.96M	$47.91M	$47.59M	$57.96M	$63.29M	$73.77M
Enterprise ValueCompany value including debt and cash adjustments.	$64.90M	$61.92M	$46.98M	$34.81M	$55.60M	$72.66M
EV / SalesHow many dollars investors pay per dollar of sales.	10.61x	8.26x	7.27x	2.89x	4.19x	5.24x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	-64901.30x	140.73x	-17.45x	-70.17x	-661.92x	282.72x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	3059.00	31.85	0.23	46.67	91.57	-4.31

Market-based metrics start from the IPO on 1/19/2022; earlier periods had no public share price.

Returns + ROCE gauge

ROCE latest

-0.0%

Prev year -0.3%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	-0.1%	0.0%	-5.1%	-1.0%	-0.5%	-0.1%
ROAProfit generated from total assets.	-0.0%	0.0%	-1.5%	-0.3%	-0.1%	-0.0%
ROICReturn generated on invested operating capital.	-0.1%	-0.4%	4.0%	0.8%	0.3%	-0.1%
ROCEOperating return on long-term capital used.	-0.2%	0.2%	-2.6%	-0.7%	-0.3%	-0.0%
Earnings YieldEarnings as a percentage of market value.	-0.1%	0.1%	-8.3%	-1.4%	-0.6%	-0.1%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$1.50M	$2.89M	$1.93M	$12.36M	$7.48M	$17.53M
FCFECash flow available to equity holders after debt flows.	$2.31M	$-6.54M	$4.92M	$9.11M	$-1.05M	$14.37M
FCF YieldFree cash flow divided by market capitalization.	1.9%	5.8%	-0.2%	15.7%	6.2%	19.5%
Income QualityHow well accounting earnings are backed by cash flow.	-26.40	110.70	-0.11	-11.96	-10.50	-337.70
Capex / OCFShare of operating cash flow spent on capital expenditures.	9.8%	7.2%	119.7%	3.4%	2.6%	1.0%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	38.2d	41.5d	42.8d	26.4d	25.5d	23.2d
DIOAverage days inventory stays before being sold.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DPOAverage days the company takes to pay suppliers.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
Operating CycleTime from buying inventory to collecting receivables.	38.2d	41.5d	42.8d	26.4d	25.5d	23.2d
Cash Conversion CycleNet days cash is tied in operations.	38.2d	41.5d	42.8d	26.4d	25.5d	23.2d

Snapshot

Latest / TTM: —

Market Cap

$73.77M

ROE

-0.1%

FCF Yield

19.5%

Current Ratio

0.00

Upstream

Core Banking Processor (Likely Fiserv, Jack Henry, or FIS)UnconfirmedBMO Harris Bank (BMO Financial Group)NYSE:BMOFederal Home Loan Bank of ChicagoFederal Deposit Insurance Corporation (FDIC)Board of Governors of the Federal Reserve SystemOffice of the Comptroller of the Currency (OCC)Zelle Network (Early Warning Services, LLC)Olsen Palmer LLCVedder Price P.C.Jack Henry & Associates, Inc.NASDAQ:JKHY Fiserv, Inc.NYSE:FI

Downstream

Retail Deposit Customers (Lake County, IL residents and businesses)Residential Mortgage Borrowers (One-to-Four Family)Commercial Real Estate BorrowersFannie Mae (Federal National Mortgage Association)OTCQB:FNMA Freddie Mac (Federal Home Loan Mortgage Corporation)OTCQB:FMCCGinnie Mae (Government National Mortgage Association)Unidentified National Mortgage Lender (Buyer of Oak Leaf Community Mortgage)Brookfield Bancshares, Inc. / First National Bank of Brookfield

Proxies

Brookfield Bancshares, Inc. (via First National Bank of Brookfield)UnconfirmedU.S. BancorpNYSE:USB BMO Financial Group (Bank of Montreal)NYSE:BMO First Northern Community BancorpOTCQX:FNRN

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NSTS Bancorp, Inc.

Key Metrics of NSTS

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of NSTS

Upstream

Downstream

Proxies

Key Metrics of NSTS

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of NSTS

Upstream

Downstream

Proxies