📊 NSTS Key Takeaways
Is NSTS Bancorp, Inc. (NSTS) a Good Investment?
NSTS Bancorp is operationally insolvent with revenue collapsed 97.7% YoY to just $59K, posting negative $39K net income and -66.1% operating margins. While the company maintains $43.4M cash and zero debt, the near-total destruction of revenue generation indicates a fundamental business model failure for which no recovery path is evident.
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
- Maintains $43.4M cash position providing runway for operations
- Zero long-term debt eliminates financial leverage risk
- Net losses improving YoY (51.1%), indicating some stabilization trend
- 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 signals potential regulatory restrictions, license suspension, or core business failure
- Persistently negative profitability with -66.1% operating margin indicates unsustainable unit economics
- Negative ROE and ROA show ongoing shareholder value destruction with no clear turnaround catalyst
- As a federally chartered savings institution with minimal revenue, questions exist regarding regulatory standing and charter viability
- 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
- Quarterly revenue trend and absolute deposit levels
- Cash burn rate and months of runway remaining
- Regulatory filings and any enforcement actions or supervisory notices
- Net interest margin (NIM)
- Efficiency ratio
NSTS Bancorp, Inc. (NSTS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 9,350.8% 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 |
|---|---|---|---|
| Q1 2026 | $59.0K | -$39.0K | N/A |
| 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 |
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 75% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are NSTS's key strengths?
Claude: Maintains $43.4M cash position providing runway for operations. Zero long-term debt eliminates financial leverage risk. 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 signals potential regulatory restrictions, license suspension, or core business failure. Persistently negative profitability with -66.1% operating margin indicates unsustainable unit economics. 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 $59.0K.
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 May 2026, NSTS Bancorp, Inc. has a SELL rating with 75% 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 0.0% (sector avg: 12%), net margin of -66.1% (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 $5.5M, with capital expenditures of $16.0K. FCF margin is 9,350.8%.
How does NSTS compare to other Finance stocks?
Vs Finance sector averages: Net margin -66.1% (avg: 25%), ROE 0.0% (avg: 12%), current ratio N/A (avg: 1.2).