NSTS Bancorp, Inc.
NSTSNasdaq
$13.81
↑ +0.1%Jul 17 close · end-of-day
Price
1Y↑ +14.6%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
—
Enterprise Value
—
P/E
—
P/S
—
P/B
—
EV/EBITDA
—
PEG
—
FCF Yield
—
Dividend Yield
—
Revenue (TTM)
$252,000.00
Net Income (TTM)
-$97,000.00
Free Cash Flow (TTM)
$12.2M
Gross Margin
—
Operating Margin
—
Net Margin
-38.5%
ROE
-0.1%
ROIC
—
Debt / Equity
—
Net Cash
$43.4M
Return 1Y
+12.3%
Company profile
NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings. The company offers checking, money market, savings, and time deposit accounts. It operates through a main banking office in Waukegan, Illinois; and two full-service branch offices.
- CEO
- Stephen G. Lear
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 40
- Headquarters
- Illinois
- Website
- northshoretrust.com
Earnings
NSTS Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$59,000.000.0%
Diluted EPS——
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $255,000.00 | $289,000.00 | $291,000.00 | $270,000.00 | $256,000.00 | $252,000.00 |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | -$112,000.00 | -$55,000.00 | $27,000.00 | -$4.0M | -$789,000.00 | -$386,000.00 |
| Diluted EPS | — | — | — | — | — | — |
| Operating cash flow | -$620,000.00 | $1.5M | $3.0M | $431,000.00 | $9.4M | $4.1M |
| Free cash flow | -$724,000.00 | $1.3M | $2.8M | -$85,000.00 | $9.1M | $3.9M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | -43.9% | -19.0% | 9.3% | -1465.6% | -308.2% | -153.2% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $64,000.00 | $67,000.00 | $64,000.00 | $59,000.00 | $64,000.00 | $66,000.00 | $63,000.00 | $59,000.00 |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | -$326,000.00 | -$171,000.00 | -$46,000.00 | -$328,000.00 | -$258,000.00 | $65,000.00 | $135,000.00 | -$39,000.00 |
| Diluted EPS | — | -$0.03 | — | — | — | $0.01 | — | — |
| Operating cash flow | -$1.6M | $1.6M | $9.4M | -$2.7M | $655,000.00 | $2.9M | $3.2M | $5.5M |
| Free cash flow | -$1.7M | $1.6M | $9.2M | -$2.7M | $616,000.00 | $2.9M | $3.2M | $5.5M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | -509.4% | -255.2% | -71.9% | -555.9% | -403.1% | 98.5% | 214.3% | -66.1% |
Company news
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
No insider transactions in the last 12 months.
No insider transactions on file.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.