NSTS Bancorp, Inc Financials

NSTS

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows NSTS Bancorp, Inc (NSTS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

4/9

NSTS Bancorp, Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

-11.96x

For every $1 of reported earnings, NSTS Bancorp, Inc generates $-11.96 in operating cash flow ($9.4M OCF vs -$789K net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Revenue

$256K

YoY-5.2%

NSTS Bancorp, Inc generated $256K in revenue in fiscal year 2024. This represents a decrease of 5.2% from the prior year.

EBITDA

N/A

Free Cash Flow

$9.1M

YoY+10822.4%

NSTS Bancorp, Inc generated $9.1M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 10822.4% from the prior year.

Net Income

-$789K

YoY+80.1%

NSTS Bancorp, Inc reported -$789K in net income in fiscal year 2024. This represents an increase of 80.1% from the prior year.

EPS (Diluted)

N/A

Cash & Debt

$53.5M

YoY+70.4%

NSTS Bancorp, Inc held $53.5M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

YoY-1.2%

NSTS Bancorp, Inc had 5M shares outstanding in fiscal year 2024. This represents a decrease of 1.2% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-308.2%

YoY+1157.4pp

NSTS Bancorp, Inc's net profit margin was -308.2% in fiscal year 2024, showing the share of revenue converted to profit. This is up 1157.4 percentage points from the prior year.

Return on Equity

N/A

R&D Spending

N/A

Share Buybacks

$970K

YoY-59.3%

NSTS Bancorp, Inc spent $970K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 59.3% from the prior year.

Capital Expenditures

$319K

YoY-38.2%

NSTS Bancorp, Inc invested $319K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 38.2% from the prior year.

NSTS Income Statement

Metric	FY24	FY23	FY22	FY21	FY20
Revenue	$256K-5.2%	$270K-7.2%	$291K+0.7%	$289K+13.3%	$255K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.2M+115.1%	$1.5M+97.4%	$764K-81.4%	$4.1M-9.6%	$4.5M
Income Tax	$0-100.0%	$999K+584.2%	$146K+168.2%	-$214K+57.5%	-$503K
Net Income	-$789K+80.1%	-$4.0M-14755.6%	$27K+149.1%	-$55K+50.9%	-$112K
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$66K+3.1%	$64K+8.5%	$59K-7.8%	$64K-4.5%	$67K+4.7%	$64K+4.9%	$61K-9.0%	$67K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$879K-5.5%	$930K+1.2%	$919K-2.0%	$938K+13.0%	$830K+7.1%	$775K+10.7%	$700K+17.6%	$595K
Income Tax	$0	$0	$0	$0	$0	$0	$0-100.0%	$1.1M
Net Income	$65K+125.2%	-$258K+21.3%	-$328K-613.0%	-$46K+73.1%	-$171K+47.5%	-$326K-32.5%	-$246K+93.5%	-$3.8M
EPS (Diluted)	$0.01	N/A	N/A	N/A	$-0.03	N/A	N/A	N/A

NSTS Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20
Total Assets	$278.7M+8.5%	$256.8M-2.8%	$264.2M-22.5%	$340.9M+40.7%	$242.2M
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$53.5M+70.4%	$31.4M+138.7%	$13.1M-89.2%	$121.6M+281.6%	$31.9M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$202.2M+12.8%	$179.2M-2.4%	$183.7M-37.9%	$295.7M+51.3%	$195.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$76.5M-1.4%	$77.5M-3.7%	$80.5M+78.3%	$45.2M-3.3%	$46.7M
Retained Earnings	$40.3M-1.9%	$41.1M-9.4%	$45.3M+0.1%	$45.3M-0.1%	$45.3M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$269.8M-2.2%	$276.0M-2.4%	$282.7M+1.4%	$278.7M+3.8%	$268.4M+1.0%	$265.9M+0.1%	$265.6M+3.4%	$256.8M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$34.1M-28.1%	$47.5M-17.3%	$57.5M+7.4%	$53.5M+54.6%	$34.6M+6.7%	$32.4M-10.8%	$36.4M+15.8%	$31.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$190.9M-3.7%	$198.1M-3.5%	$205.2M+1.5%	$202.2M+6.4%	$190.0M+0.3%	$189.4M+0.4%	$188.6M+5.2%	$179.2M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$78.9M+1.4%	$77.8M+0.5%	$77.5M+1.3%	$76.5M-2.5%	$78.4M+2.5%	$76.5M-0.6%	$77.0M-0.8%	$77.5M
Retained Earnings	$39.7M+0.2%	$39.7M-0.6%	$39.9M-0.8%	$40.3M-0.1%	$40.3M-0.4%	$40.5M-0.8%	$40.8M-0.6%	$41.1M

NSTS Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$9.4M+2088.6%	$431K-85.6%	$3.0M+105.9%	$1.5M+334.2%	-$620K
Capital Expenditures	$319K-38.2%	$516K+140.0%	$215K+51.4%	$142K+36.5%	$104K
Free Cash Flow	$9.1M+10822.4%	-$85K-103.1%	$2.8M+111.8%	$1.3M+280.9%	-$724K
Investing Cash Flow	-$8.2M-132.7%	$24.9M+156.1%	-$44.5M-275.4%	-$11.8M-99.7%	-$5.9M
Financing Cash Flow	$20.8M+391.6%	-$7.1M+89.3%	-$67.0M-166.9%	$100.1M+1557.1%	$6.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$970K-59.3%	$2.4M	$0	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	$2.9M+336.9%	$655K+124.5%	-$2.7M-128.6%	$9.4M+479.9%	$1.6M+198.9%	-$1.6M-1873.9%	$92K+35.3%	$68K
Capital Expenditures	$3K-92.3%	$39K-27.8%	$54K-60.0%	$135K+159.6%	$52K-55.2%	$116K+625.0%	$16K-96.3%	$437K
Free Cash Flow	$2.9M+364.1%	$616K+122.6%	-$2.7M-129.6%	$9.2M+490.5%	$1.6M+189.4%	-$1.7M-2400.0%	$76K+120.6%	-$369K
Investing Cash Flow	-$8.8M-112.4%	-$4.1M-270.5%	$2.4M+312.3%	-$1.1M-152.1%	-$453K+70.4%	-$1.5M+69.7%	-$5.0M-128.7%	$17.6M
Financing Cash Flow	-$7.4M-14.6%	-$6.5M-253.5%	$4.2M-60.4%	$10.7M+967.2%	$1.0M+230.0%	-$769K-107.8%	$9.9M+225.6%	$3.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0	N/A	N/A	$462K+8.2%	$427K	N/A	N/A	$1.0M

NSTS Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	-308.2%+1157.4pp	-1465.6%-1474.8pp	9.3%+28.3pp	-19.0%+24.9pp	-43.9%
Return on Equity	N/A	N/A	0.0%	N/A	N/A
Return on Assets	-0.3%+1.3pp	-1.5%-1.6pp	0.0%+0.0pp	-0.0%+0.0pp	-0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.64+0.3	2.31+0.0	2.28-4.3	6.54+2.4	4.18
FCF Margin	3560.2%+3591.6pp	-31.5%-984.7pp	953.3%+500.0pp	453.3%+737.2pp	-283.9%

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	98.5%+501.6pp	-403.1%+152.8pp	-555.9%-484.1pp	-71.9%+183.3pp	-255.2%+254.2pp	-509.4%-106.1pp	-403.3%+5222.1pp	-5625.4%
Return on Equity	0.1%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	0.0%+0.1pp	-0.1%+0.0pp	-0.1%-0.1pp	-0.0%+0.0pp	-0.1%+0.1pp	-0.1%-0.0pp	-0.1%+1.4pp	-1.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.42-0.1	2.55-0.1	2.650.0	2.64+0.2	2.42-0.1	2.48+0.0	2.45+0.1	2.31
FCF Margin	4331.8%+3369.3pp	962.5%+5589.6pp	-4627.1%-19039.6pp	14412.5%+12081.2pp	2331.3%+5062.6pp	-2731.3%-2855.8pp	124.6%+675.3pp	-550.8%

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Frequently Asked Questions

What is NSTS Bancorp, Inc's annual revenue?

NSTS Bancorp, Inc (NSTS) reported $256K in total revenue for fiscal year 2024. This represents a -5.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is NSTS Bancorp, Inc's revenue growing?

NSTS Bancorp, Inc (NSTS) revenue declined by 5.2% year-over-year, from $270K to $256K in fiscal year 2024.

Is NSTS Bancorp, Inc profitable?

No, NSTS Bancorp, Inc (NSTS) reported a net income of -$789K in fiscal year 2024, with a net profit margin of -308.2%.

What is NSTS Bancorp, Inc's net profit margin?

NSTS Bancorp, Inc (NSTS) had a net profit margin of -308.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is NSTS Bancorp, Inc's free cash flow?

NSTS Bancorp, Inc (NSTS) generated $9.1M in free cash flow during fiscal year 2024. This represents a 10822.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is NSTS Bancorp, Inc's operating cash flow?

NSTS Bancorp, Inc (NSTS) generated $9.4M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are NSTS Bancorp, Inc's total assets?

NSTS Bancorp, Inc (NSTS) had $278.7M in total assets as of fiscal year 2024, including both current and long-term assets.

What are NSTS Bancorp, Inc's capital expenditures?

NSTS Bancorp, Inc (NSTS) invested $319K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does NSTS Bancorp, Inc buy back shares?

Yes, NSTS Bancorp, Inc (NSTS) spent $970K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does NSTS Bancorp, Inc have outstanding?

NSTS Bancorp, Inc (NSTS) had 5M shares outstanding as of fiscal year 2024.

What is NSTS Bancorp, Inc's debt-to-equity ratio?

NSTS Bancorp, Inc (NSTS) had a debt-to-equity ratio of 2.64 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is NSTS Bancorp, Inc's return on assets (ROA)?

NSTS Bancorp, Inc (NSTS) had a return on assets of -0.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is NSTS Bancorp, Inc's Piotroski F-Score?

NSTS Bancorp, Inc (NSTS) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are NSTS Bancorp, Inc's earnings high quality?

NSTS Bancorp, Inc (NSTS) has an earnings quality ratio of -11.96x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.