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NSTS Bancorp, Inc. logo

NSTS Bancorp, Inc.

NSTS

NASDAQFinancial ServicesBanks - Regional

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Previous close

$13.99

−$0.0522 · -0.37%

Aug 21, 4:00 PM ET

NSTS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

56

Fair Value

Momentum

52

Neutral

Sentiment

56

Mixed

Risk resilience

89

Low Risk

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Company profile

Company website

NSTS Bancorp, Inc. functions as the parent entity for North Shore Trust and Savings, a financial institution that offers a comprehensive suite of banking products and services across Illinois. The company provides various deposit vehicles, including checking, money market, savings, and time deposit accounts. For lending needs, it extends financing options such as one-to-four family residential mortgages, multi-family and commercial real estate loans, construction funding, home equity lines, and diverse consumer loans. Its operational footprint includes a main banking facility in Waukegan, Illinois, alongside two full-service retail branches situated in Waukegan and Lindenhurst, Illinois, and a specialized loan production office in Chicago, Illinois. Founded in 1921, NSTS Bancorp, Inc. is headquartered in Waukegan, Illinois.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Stephen G. Lear
Listed since
Jan 19, 2022
Employees
49

Market position

Day range

Current $13.99

52-week range

Current $13.99

Open
$14.00
Previous close
$14.0422
Volume
5.65K
0.44× average
Average volume
12.71K
Average daily volume
Market cap
73.61M USD
Beta
0.22
Market reference 1
50-day average
$13.8025
+1.36% above average
200-day average
$12.6855
+10.28% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
-1,970.42×
P/B (TTM)
0.86×
P/S (TTM)
5.31×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
78.95%
Operating margin
-0.31%
Net margin
-0.31%

Financial health

Debt / equity
0×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%47%-15%-77%Gross margin, FY2021: 85.01%Gross margin, FY2022: 92.88%Gross margin, FY2023: 73.94%Gross margin, FY2024: 72.46%Gross margin, FY2025: 74.84%Operating margin, FY2021: -4.40%Operating margin, FY2022: 2.31%Operating margin, FY2023: -45.78%Operating margin, FY2024: -6.56%Operating margin, FY2025: -2.91%Net margin, FY2021: -0.90%Net margin, FY2022: 0.36%Net margin, FY2023: -61.24%Net margin, FY2024: -6.56%Net margin, FY2025: -2.91%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 85.01%. Gross margin FY2022 92.88%. Gross margin FY2023 73.94%. Gross margin FY2024 72.46%. Gross margin FY2025 74.84%. Operating margin FY2021 -4.40%. Operating margin FY2022 2.31%. Operating margin FY2023 -45.78%. Operating margin FY2024 -6.56%. Operating margin FY2025 -2.91%. Net margin FY2021 -0.90%. Net margin FY2022 0.36%. Net margin FY2023 -61.24%. Net margin FY2024 -6.56%. Net margin FY2025 -2.91%.

Income trends

Revenue

13.27M USD+10.24%

Operating income

−386K USD+51.08%

Net income

−386K USD+51.08%
Income trends across reported periods14.99M USD8.1M USD1.21M USD−5.68M USDRevenue, FY2021: 6.12M USDRevenue, FY2022: 7.5M USDRevenue, FY2023: 6.46M USDRevenue, FY2024: 12.03M USDRevenue, FY2025: 13.27M USDOperating income, FY2021: −269K USDOperating income, FY2022: 173K USDOperating income, FY2023: −2.96M USDOperating income, FY2024: −789K USDOperating income, FY2025: −386K USDNet income, FY2021: −55K USDNet income, FY2022: 27K USDNet income, FY2023: −3.96M USDNet income, FY2024: −789K USDNet income, FY2025: −386K USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 6.12M USD. Revenue FY2022 7.5M USD. Revenue FY2023 6.46M USD. Revenue FY2024 12.03M USD. Revenue FY2025 13.27M USD. Operating income FY2021 −269K USD. Operating income FY2022 173K USD. Operating income FY2023 −2.96M USD. Operating income FY2024 −789K USD. Operating income FY2025 −386K USD. Net income FY2021 −55K USD. Net income FY2022 27K USD. Net income FY2023 −3.96M USD. Net income FY2024 −789K USD. Net income FY2025 −386K USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue13.27M USD12.03M USD6.46M USD7.5M USD6.12M USD
Cost of goods sold3.34M USD3.31M USD1.68M USD534K USD917K USD
Gross profit9.93M USD8.72M USD4.78M USD6.96M USD5.2M USD
Selling, general, and administrative141K USD6.82M USD5.23M USD4.5M USD3.75M USD
Operating expenses10.31M USD9.51M USD7.74M USD6.79M USD5.47M USD
Interest income10.99M USD10.3M USD7.73M USD6.35M USD5.04M USD
Interest expense3.53M USD3.24M USD1.51M USD764K USD940K USD
Depreciation and amortization302K USD293K USD266K USD267K USD268K USD
Operating income−386K USD−789K USD−2.96M USD173K USD−269K USD
Net income−386K USD−789K USD−3.96M USD27K USD−55K USD

Company facts updated Aug 24, 2026.

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ETFs holding NSTS

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
2.02M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
674.26K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
209.95K
Weight
0.01%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%

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