NSTS - NASDAQ
NSTS Bancorp, Inc.
$13.65
-0.15%NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate, construction, home equity, and consumer loans. It operates through a main banking office in Waukegan, Illinois; and two full-service branch offices located in Waukegan and Lindenhurst, Illinois, as well as a loan production office in Chicago, Illinois. The company was founded in 1921 and is headquartered in Waukegan, Illinois.
At a Glance
Live SnapshotNSTS Bancorp, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation
Historical Financial Data
Base year metrics used for projections
Projection Settings
Forecast period and terminal assumptions
DCF Valuation Summary
Calculation flow from present value to intrinsic value per share
Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.0M | $1.0M | $506.5K | $253.3K | $126.6K | $63.3K | $31.7K | $15.8K | $7.9K | $4.0K |
| Maintenance CapEx | -$10.4K | -$5.2K | -$2.6K | -$1.3K | -$650 | -$325 | -$162 | -$81 | -$41 | -$20 |
| Owner Earnings | $2.0M | $1.0M | $503.9K | $252.0K | $126.0K | $63.0K | $31.5K | $15.7K | $7.9K | $3.9K |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $1.9M | $864.0K | $400.0K | $185.2K | $85.7K | $39.7K | $18.4K | $8.5K | $3.9K | $1.8K |
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Earnings Call
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