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. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.
Net Profit Margin
Net losses indicate the company is burning cash. Sustainability depends on path to profitability.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
NSTS Bancorp, Inc. Income Statement
NSTS • NASDAQ
| NSTS Bancorp, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
REVENUE | |||||||
13.3M | 12M | 6.5M | 7.5M | 6.1M | 7.5M | 7.8M | |
GROSS PROFIT | |||||||
(3.3M) | (3.3M) | (1.7M) | (534K) | (917K) | (2M) | (1.8M) | |
9.9M | 8.7M | 4.8M | 7M | 5.2M | 5.5M | 6M | |
OPERATING INCOME | |||||||
(10.3M) | (9.5M) | (7.7M) | (6.8M) | (5.5M) | (6.1M) | (5.6M) | |
(141K) | (6.8M) | (5.2M) | (4.5M) | (3.7M) | (4.6M) | (4.2M) | |
-386K | -789K | -3M | 173K | -269K | -615K | 328.1K | |
PRE-TAX INCOME | |||||||
(3.5M) | (3.2M) | (1.5M) | (764K) | (940K) | (1.5M) | (1.7M) | |
7.5M | 7.1M | 6.2M | 5.6M | 4.1M | 4.5M | 5.3M | |
(10.2M) | (2.7M) | (2.5M) | (2.3M) | (1.7M) | (1.5M) | (1.5M) | |
-386K | -789K | -3M | 173K | -269K | -615K | 328.1K | |
NET INCOME | |||||||
(0.0) | (0.0) | (999K) | (146K) | -214K | -503K | -85.7K | |
-386K | -789K | -4M | 27K | -55K | -112K | 413.8K |
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.