📊 NSTS Key Takeaways
Is NSTS a Good Investment? Thesis Analysis
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.
Why Buy 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
NSTS Investment Risks to Consider
- 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
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
NSTS Financial Metrics
💡 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 Profitability Ratios
NSTS vs Default Sector
How NSTS Bancorp, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is NSTS Overvalued or Undervalued?
Based on fundamental analysis, NSTS Bancorp, Inc. has mixed fundamental signals relative to the Default 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 Balance Sheet & Liquidity
NSTS 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
NSTS Quarterly 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 Capital Allocation
NSTS SEC 10-K & 10-Q Filing 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 an AI rating of STRONG SELL with 95% 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.
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.
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 STRONG SELL rating with 95% 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: 15%), net margin of -153.2% (sector avg: 12%). 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 STRONG 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 Default stocks?
Vs Default sector averages: Net margin -153.2% (avg: 12%), ROE -0.5% (avg: 15%), current ratio N/A (avg: 1.8).