NSTS Bancorp, Inc. (NSTS) Stock

NSTS Bancorp, Inc. (NSTS) is a Financials stock trading at $14.03 (as of 2026-09-02), with a market capitalization of $73.70M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

NSTS Bancorp, Inc. is a savings and loan holding company for North Shore Trust and Savings that provides banking and lending products in Illinois. It offers deposit accounts and loans for one- to four-family residences, multi-family and commercial real estate, construction, home equity, and consumer purposes through banking offices in Waukegan and Lindenhurst and a loan production office in Chicago.

Understand NSTS Bancorp, Inc.: how it makes money

NSTS Bancorp is a small Illinois savings and loan that earns income by collecting deposits (checking, savings, CDs) and making residential, commercial, construction, and consumer loans. With just four locations in the Waukegan, Lindenhurst, and Chicago corridor, it is a hyper-local operation where the net interest spread is the entire profit engine.

Every dollar of profit is the gap between what Illinois borrowers pay on mortgages and what depositors earn on their accounts, with no fee revenue, no product diversification, and no geographic hedge to smooth a regional credit cycle.

Business quality (Unprofitable): Gradied 'Unprofitable' with a deeply negative operating margin this quarter. The small scale limits absolute dollar damage but also limits diversification, and there is no fee or non-interest revenue cushion to lean on.

Bull case

  • Small base limits dollar damage: The -314% operating margin (receipt: 10-Q) looks extreme in percentage terms, but for a four-branch savings and loan the absolute dollar loss in any given quarter is modest relative to the balance sheet. A single heavy provisioning event on a tiny revenue base can produce an outsized negative percentage without threatening the firm's ability to continue lending next quarter.

Bear case

  • Quarter far in the red: The -314% operating margin (receipt: 10-Q) means the bank lost multiples of its total quarterly revenue, and the 'Unprofitable' quality grade confirms the spread business is not covering operating costs. Until net interest income reliably exceeds provisions and overhead, capital faces ongoing pressure and there is no earnings cushion for shareholders.
Valuation — source: SEC EDGAR (first-party)
Price$14.03
Market Cap$73.70M
EV / EBITDA101.1
Price / Book0.92
Price / Sales291.31
FCF Yield5.4%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$252000.00
Net Margin-153.2%
Revenue Growth (YoY)1.6%
EPS Growth (YoY)-20.0%
FCF Growth (YoY)369.8%
Valuation vs Sector & Industry
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderALLIANCEBERNSTEIN L.P. ($6.69M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOStephen G. Lear
Employees53
CountryUS
IPO Date2022-01-19

Related Companies (Banking; 8 comparable banks)

  • Broadway Financial Corporation (BYFC)
  • Fifth District Savings Bank (FDSB)
  • Home Federal Bancorp, Inc. of Louisiana (HFBL)
  • ECB Bancorp, Inc. (ECBK)
  • Auburn National Bancorporation, Inc. (AUBN)
  • First Community Corporation (FCCO)
  • First US Bancshares, Inc. (FUSB)
  • FVCBankcorp, Inc. (FVCB)
NSTS earnings history · NSTS institutional & insider holders · NSTS KPIs & operating metrics · NSTS financials · NSTS investor presentations & press releases · NSTS SEC filings · NSTS peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.