NSTS Bancorp (NSTS) Financials
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the NSTS SEC filings page.
NSTS Bancorp, Inc. (NSTS) reported $10.8M in revenue over the twelve months to Jun 30, 2026, up 14.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 6 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).
The bank’s balance sheet remains liability-funded, while FY2025 losses narrowed even as interest expense continued rising.
Liabilities remained near70.0% of assets, while interest expense rose134.1% across the reported period. That combination means the funding mix changed little even as the cost attached to it increased, helping explain why a smaller loss still persisted.
Despite a net loss of
Revenue grew
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of NSTS Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
NSTS Bancorp, Inc. earned a return on assets of -0.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.3% the prior year. Earnings ranks banks on that return over three years, and NSTS Bancorp, Inc. scores 6/100 among other banks.
NSTS Bancorp, Inc. reported revenue of $9.7M in fiscal year 2025, against $9.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and NSTS Bancorp, Inc. scores 94/100 among other banks.
NSTS Bancorp, Inc. funded 30.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $80.0M of equity against $266.6M of assets. Capital ranks banks on that cushion, and NSTS Bancorp, Inc. scores 96/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. NSTS Bancorp, Inc. scores 4/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. NSTS Bancorp, Inc. scores 65/100 on it among other banks.
NSTS Bancorp, Inc. reported a net loss of $386K in fiscal year 2025, against a loss of $789K in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and NSTS Bancorp, Inc. scores 10/100 among other banks.
NSTS Bancorp, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
NSTS Bancorp, Inc. generated $3.2M in revenue in Q2 2026. This represents an increase of 27.4% from the same quarter a year earlier. Against the prior quarter it is up 28.9%.
NSTS Bancorp, Inc. reported a net loss of $204K in Q2 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Not reported for Q2 2026.
Not reported for Q2 2026.
Cash & Balance Sheet
NSTS Bancorp, Inc. generated $2.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 369.8% from the same quarter a year earlier. Against the prior quarter it is down 47.5%.
NSTS Bancorp, Inc. held $47.5M in cash as of Q2 2026; no long-term debt figure is on record for that period.
Not reported for Q2 2026.
Margins & Returns
NSTS Bancorp, Inc.'s net profit margin was -6.3% in Q2 2026, showing the share of revenue converted to profit. This is up 3.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.8 percentage points.
NSTS Bancorp, Inc.'s quarterly ROE was -0.3% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
NSTS Bancorp, Inc. invested $21K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 46.2% from the same quarter a year earlier. Against the prior quarter it is up 31.3%.
Not reported for Q2 2026.
Not reported for Q2 2026.
NSTS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.2M+27.4% | $2.5M+16.0% | $2.5M+3.0% | $2.5M+11.4% | $2.5M+11.1% | $2.2M+7.3% | $2.4M+3546.3% | $2.3M+35.2% |
| Interest Expense | $746K-19.8% | $728K-20.8% | $802K-14.5% | $879K+5.9% | $930K+20.0% | $919K+31.3% | $938K+57.6% | $830K+96.2% |
| Income Tax | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0-100.0% | $0n/m |
| Net Income | -$204Kn/m | -$39Kn/m | $135Kn/m | $65Kn/m | -$258Kn/m | -$328Kn/m | -$46Kn/m | -$171Kn/m |
| EPS (Basic) | -$0.04n/m | -$0.01n/m | $0.03n/m | $0.01n/m | -$0.05n/m | -$0.07n/m | -$0.01n/m | -$0.03n/m |
| EPS (Diluted) | N/A | N/A | N/A | $0.01n/m | N/A | N/A | N/A | -$0.03 |
| Diluted Shares (Avg) | N/A | N/A | N/A | 5M0.0% | N/A | N/A | N/A | 5M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
NSTS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $269.9M-2.2% | $270.3M-4.4% | $266.6M-4.3% | $269.8M+0.5% | $276.0M+3.8% | $282.7M+6.5% | $278.7M+8.5% | $268.4M+6.6% |
| Cash & Equivalents | $47.5M+0.1% | $43.4M-24.5% | $34.0M-36.3% | $34.1M-1.3% | $47.5M+46.4% | $57.5M+58.0% | $53.5M+70.4% | $34.6M+223.6% |
| Total Liabilities | $189.8M-4.2% | $190.3M-7.3% | $186.7M-7.7% | $190.9M+0.5% | $198.1M+4.6% | $205.2M+8.8% | $202.2M+12.8% | $190.0M+8.8% |
| Total Equity | $80.1M+2.9% | $80.0M+3.2% | $80.0M+4.6% | $78.9M+0.6% | $77.8M+1.7% | $77.5M+0.6% | $76.5M-1.4% | $78.4M+1.7% |
| Retained Earnings | $39.6M-0.1% | $39.8M-0.2% | $39.9M-1.0% | $39.7M-1.4% | $39.7M-2.0% | $39.9M-2.1% | $40.3M-1.9% | $40.3M-10.1% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
NSTS Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.9M+345.0% | $5.5Mn/m | $3.2M-65.7% | $2.9M+77.3% | $655Kn/m | -$2.7M-3008.7% | $9.4M+13663.2% | $1.6M+611.0% |
| Depreciation & Amortization | $74K-3.9% | $76K+1.3% | $75K+1.4% | $75K+7.1% | $77K+2.7% | $75K+1.4% | $74K+1.4% | $70K+9.4% |
| Stock-Based Compensation | $415K+137.1% | $173K+10.2% | N/A | $173K+6.8% | $175K+8.0% | $157K-3.1% | N/A | $162K-4.7% |
| Capital Expenditures | $21K-46.2% | $16K-70.4% | $8K-94.1% | $3K-94.2% | $39K-66.4% | $54K+237.5% | $135K-69.1% | $52K-29.7% |
| Free Cash Flow | $2.9M+369.8% | $5.5Mn/m | $3.2M-65.3% | $2.9M+83.0% | $616Kn/m | -$2.7M-3692.1% | $9.2Mn/m | $1.6M+920.9% |
| Investing Cash Flow | $1.9Mn/m | $351K-85.5% | $723Kn/m | -$8.8Mn/m | -$4.1Mn/m | $2.4Mn/m | -$1.1M-106.5% | -$453K-119.8% |
| Financing Cash Flow | -$686Kn/m | $3.5M-18.0% | -$4.0M-137.7% | -$7.4M-843.4% | -$6.5Mn/m | $4.2M-57.4% | $10.7M+250.2% | $1.0Mn/m |
| Share Buybacks | N/A | N/A | $0-100.0% | $0-100.0% | N/A | N/A | $462K-55.0% | $427K-39.5% |
Not reported in any period shown, so not listed: Dividends Paid.
NSTS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -6.3%+3.9pp | -1.6%+13.6pp | 5.4%+7.2pp | 2.6%+10.2pp | -10.2%+4.1pp | -15.2%-2.9pp | -1.9% | -7.6%+6.3pp |
| Return on Equity | -0.3%+0.1pp | -0.1%+0.4pp | 0.2%+0.2pp | 0.1%+0.3pp | -0.3%+0.1pp | -0.4%-0.1pp | -0.1%+4.8pp | -0.2%+0.1pp |
| Return on Assets | -0.1%0.0pp | 0.0%+0.1pp | 0.1%+0.1pp | 0.0%+0.1pp | -0.1%0.0pp | -0.1%0.0pp | 0.0%+1.4pp | -0.1%0.0pp |
| Liabilities-to-Equity | 2.37-0.2x | 2.38-0.3x | 2.33-0.3x | 2.420.0x | 2.55+0.1x | 2.65+0.2x | 2.64+0.3x | 2.42+0.2x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 89.3%+65.1pp | 219.6% | 127.3% | 113.9% | 24.2%+100.6pp | -126.1% | 377.6% | 69.3%+60.2pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| NSTS Bancorp, Inc. NSTS | FY2025 | $9.7M | -$386K | -4.0% | N/A | 46/100 |
| Lake Shore Bancorp, Inc. LSBK | FY2025 | $27.8M | $7.3M | 26.1% | $145.7M | 64/100 |
| Columbia Financial, Inc. CLBK | FY2025 | $471.0M | $51.8M | 11.0% | $3.0B | 49/100 |
| City Holding Co CHCO | FY2025 | $314.2M | $130.5M | 41.5% | $2.0B | 71/100 |
| First Mid Bancshares, Inc. FMBH | FY2025 | $349.2M | $91.7M | 26.3% | $1.4B | 60/100 |
| Capitol Federal Financial, Inc. CFFN | FY2025 | $201.0M | $68.0M | 33.8% | $1.0B | 43/100 |
Where NSTS Bancorp, Inc. Ranks
Frequently Asked Questions
NSTS Bancorp, Inc. (NSTS) reported $9.7M in total revenue for fiscal year 2025. This represents a 8.1% 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.
NSTS Bancorp, Inc. (NSTS) revenue grew by 8.1% year-over-year, from $9.0M to $9.7M in fiscal year 2025.
No, NSTS Bancorp, Inc. (NSTS) reported a net loss of $43K over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net loss of $386K, with a net profit margin of -4.0%.
NSTS Bancorp, Inc. (NSTS) had a net profit margin of -4.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
NSTS Bancorp, Inc. (NSTS) has a return on equity of -0.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
NSTS Bancorp, Inc. (NSTS) generated $3.9M in free cash flow during fiscal year 2025. This represents a -56.7% 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.
NSTS Bancorp, Inc. (NSTS) generated $4.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
NSTS Bancorp, Inc. (NSTS) had $266.6M in total assets as of fiscal year 2025, including both current and long-term assets.
NSTS Bancorp, Inc. (NSTS) invested $104K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
NSTS Bancorp, Inc. (NSTS) had a liabilities-to-equity ratio of 2.33 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
NSTS Bancorp, Inc. (NSTS) had a return on assets of -0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
NSTS Bancorp, Inc. (NSTS) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
NSTS Bancorp, Inc. (NSTS) scores 46 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.