📊 NSTS Key Takeaways
Is NSTS Bancorp, Inc. (NSTS) a Good Investment?
NSTS Bancorp exhibits severe fundamental deterioration with revenue collapsing 97.7% YoY and operating losses of $386K on minimal revenue of $252K, indicating severe operational distress. The company's negative profitability metrics (-153.2% net margin, -0.5% ROE), combined with minimal insider confidence (zero Form 4 filings in 90 days), suggest deep strategic or structural problems that threaten going concern. While modest positive operating cash flow and adequate liquidity provide temporary cushion, the core business is fundamentally impaired.
NSTS shows strong capitalization and liquidity relative to its asset base, providing balance-sheet resilience. However, core profitability is weak with negative margins and a dramatic revenue decline, leaving the path to sustainable earnings and acceptable ROE uncertain.
Why Buy NSTS Bancorp, Inc. Stock? NSTS Key Strengths
- Adequate liquidity position with $34M cash representing 12.8% of total assets
- Positive operating cash flow of $4.1M despite negative net income, suggesting some underlying business cash generation
- Moderate leverage with 0.00x debt-to-equity ratio providing flexibility for restructuring
- Robust equity-to-assets and very low leverage
- Healthy liquidity with $34M cash
- Positive operating and free cash flow despite net loss
NSTS Stock Risks: NSTS Bancorp, Inc. Investment Risks
- Revenue collapse of 97.7% YoY indicates loss of core business or customer base or fundamental business model failure
- Persistent negative profitability with -153.2% net margin and operating losses unsustainable over extended periods
- Zero insider stock purchases in 90 days combined with massive losses signals lack of management confidence in recovery
- Operating margin of -153.2% indicates losses exceeding revenue, suggesting business is not viable at current scale
- Persistent negative margins and interest coverage
- Severe revenue contraction suggesting unstable core earnings
- Small scale constraining efficiency and heightening rate/credit sensitivity
Key Metrics to Watch
- Revenue trajectory and stabilization - critical to determine if decline has bottomed
- Path to profitability and quarterly operating income trends
- Cash burn rate and runway - monitor how long liquidity cushion sustains current losses
- Net interest margin (NIM)
- Efficiency ratio
NSTS Bancorp, Inc. (NSTS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 1,566.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
NSTS Profit Margin, ROE & Profitability Analysis
NSTS vs Finance Sector: How NSTS Bancorp, Inc. Compares
How NSTS Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is NSTS Bancorp, Inc. Stock Overvalued? NSTS Valuation Analysis 2026
Based on fundamental analysis, NSTS Bancorp, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
NSTS Bancorp, Inc. Balance Sheet: NSTS Debt, Cash & Liquidity
NSTS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: NSTS Bancorp, Inc.'s revenue has declined by 11% over the 5-year period, indicating business contraction. The most recent EPS of $-0.16 indicates the company is currently unprofitable.
NSTS Revenue Growth, EPS Growth & YoY Performance
NSTS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $66.0K | $65.0K | $0.01 |
| Q2 2025 | $64.0K | -$258.0K | N/A |
| Q1 2025 | $59.0K | -$246.0K | N/A |
| Q3 2024 | $67.0K | -$171.0K | N/A |
| Q2 2024 | $64.0K | $44.0K | N/A |
| Q1 2024 | $61.0K | $170.0K | N/A |
| Q3 2023 | $70.0K | -$12.0K | N/A |
| Q2 2023 | $69.0K | $44.0K | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
NSTS Bancorp, Inc. Dividends, Buybacks & Capital Allocation
NSTS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for NSTS Bancorp, Inc. (CIK: 0001881592)
📋 Recent SEC Filings
❓ Frequently Asked Questions about NSTS
What is the AI rating for NSTS?
NSTS Bancorp, Inc. (NSTS) has a Combined AI Rating of SELL from Claude (STRONG SELL) and ChatGPT (HOLD) with 78% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are NSTS's key strengths?
Claude: Adequate liquidity position with $34M cash representing 12.8% of total assets. Positive operating cash flow of $4.1M despite negative net income, suggesting some underlying business cash generation. ChatGPT: Robust equity-to-assets and very low leverage. Healthy liquidity with $34M cash.
What are the risks of investing in NSTS?
Claude: Revenue collapse of 97.7% YoY indicates loss of core business or customer base or fundamental business model failure. Persistent negative profitability with -153.2% net margin and operating losses unsustainable over extended periods. ChatGPT: Persistent negative margins and interest coverage. Severe revenue contraction suggesting unstable core earnings.
What is NSTS's revenue and growth?
NSTS Bancorp, Inc. reported revenue of $252.0K.
Does NSTS pay dividends?
NSTS Bancorp, Inc. does not currently pay dividends.
Where can I find NSTS SEC filings?
Official SEC filings for NSTS Bancorp, Inc. (CIK: 0001881592) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is NSTS's EPS?
NSTS Bancorp, Inc. has a diluted EPS of $-0.11.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is NSTS a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, NSTS Bancorp, Inc. has a SELL rating with 78% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is NSTS stock overvalued or undervalued?
Valuation metrics for NSTS: ROE of -0.5% (sector avg: 12%), net margin of -153.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy NSTS stock in 2026?
Our dual AI analysis gives NSTS Bancorp, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is NSTS's free cash flow?
NSTS Bancorp, Inc.'s operating cash flow is $4.1M, with capital expenditures of $104.0K. FCF margin is 1,566.7%.
How does NSTS compare to other Finance stocks?
Vs Finance sector averages: Net margin -153.2% (avg: 25%), ROE -0.5% (avg: 12%), current ratio N/A (avg: 1.2).