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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.
NSTS Bancorp, Inc. Cash Flow Statement
NSTS • NASDAQ
| NSTS Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||
-386K | -789K | -4M | 27K | -55K | -112K | 413.8K | |
302K | 293K | 266K | 267K | 268K | 290.4K | 284.4K | |
1.1M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
678K | 981K | 718K | 246K | 0.0 | 0.0 | 0.0 | |
3.7M | 7.9M | 1.9M | 1.7M | 2.8M | -193K | 586.6K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (37K) | (0.0) | |
-1.4M | 1M | 1.5M | 786K | -1.6M | -605K | 458.4K | |
4.1M | 9.4M | 431K | 3M | 1.5M | -620K | 1.7M | |
INVESTING ACTIVITIES | |||||||
(0.0) | -319K | -516K | -215K | -142K | -104K | -114.1K | |
-10.8M | (0.0) | (0.0) | -59.5M | -49M | -38.6M | -6.8M | |
1.1M | 9.8M | 40.8M | 22.9M | 26.4M | 26.3M | 10.8M | |
1K | -17.7M | -15.3M | -7.6M | 10.9M | 6.5M | -148.4K | |
-9.8M | -8.2M | (25M) | -44.5M | -11.8M | -5.9M | (3.8M) | |
FINANCING ACTIVITIES | |||||||
215K | -1.1M | -2.4M | 49.4M | 0.0 | 0.0 | 0.0 | |
-5M | 0.0 | 5M | -9.3M | 1M | 4M | 0.0 | |
(0.0) | -1.1M | -2.4M | (0.0) | (0.0) | (0.0) | (0.0) | |
-8.9M | 21.9M | -9.8M | -107.1M | 99.1M | 2M | 8.2M | |
-13.7M | 20.8M | -7.1M | -67M | 100.1M | 6M | 8.2M | |
CASH FLOW SUMMARY | |||||||
-19.4M | 22.1M | 18.2M | -108.5M | 89.7M | -511K | 13.7M | |
53.5M | 31.4M | 13.1M | 121.6M | 31.9M | 32.4M | 18.7M | |
34M | 53.5M | 31.4M | 13.1M | 121.6M | 31.9M | 32.4M | |
3.9M | 9.1M | -85K | 2.8M | 1.3M | -724K | 1.6M |
SEC Filings
NSTS - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | June 01, 2026 | May 27, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 14, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 12, 2026 | May 12, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 17, 2026 | May 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 09, 2026 | April 04, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 27, 2026 | December 31, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 13, 2025 | September 30, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 14, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | June 18, 2025 | June 18, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 22, 2025 | May 21, 2025 | 2025 |
Related Guides
Continue your NSTS research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.