NASDAQ:NSTS · NASDAQ Capital Market
+$0.00 today
Vol 0.01M · Avg 0.01M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Management quality matters because capital allocation choices determine how much of NSTS Bancorp, Inc. earnings power becomes long-term shareholder value. Use this page to compare NSTS returns on capital, executive context, insider transactions, ownership signals, and growth trends against peers, then decide whether leadership appears disciplined, aligned, and capable of compounding through changing market conditions.
Return Metrics
ROE, ROIC & ROA over time
ROE
-0.5%
avg -0.9%
ROIC
-0.3%
avg -0.5%
ROA
-0.1%
avg -0.3%
Analysis
ROA is currently the strongest return metric at -0.1% versus its period average of -0.3%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Stephen G. Lear | Chairman, President & Chief Executive Officer | $319,354.00 | — | 69 | $62,905.00 | 1.20% |
Carissa H. Schoolcraft | Chief Financial Officer | $220,474.00 | — | 33 | $24,190.00 | 0.46% |
Amy L. Avakian | Vice President and Chief Lending Officer of North Shore Trust & Savings | $198,064.00 | — | 64 | $43,845.00 | 0.83% |
Christine E. Stickler | Corporate Secretary | — | — | — | $23,000.00 | 0.44% |
Insider Trading
SEC Form 4 transactions — last 12 months
No insider transactions in the last 12 months.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | N/A | N/A — |
| Revenue | N/A | N/A | -4.7% | N/A — |
| Net Income | N/A | N/A | N/A | N/A — |
| EBIT | N/A | N/A | N/A | N/A — |
Analysis
Recent growth has been strongest in Revenue at -4.7% over three years.
Competitors
Peer companies in the same sector
Pathward Financial, Inc.
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Broadway Financial Corp.
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First Seacoast Bancorp
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$79.20M
OptimumBank Holdings, Inc.
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$70.30M
Catalyst Bancorp, Inc.
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$65.96M
AmeriServ Financial, Inc.
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$65.82M
Home Federal Bancorp, Inc. of Louisiana
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$63.52M
Who manages NSTS?
NSTS Bancorp, Inc. (NSTS) lists 4 active executives. The top listed executive is Stephen G. Lear, Chairman, President & Chief Executive Officer.
Are NSTS insiders buying or selling?
Recent insider activity shows net buying of $6.33M.
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