NSTS Bancorp, Inc. (NSTS) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.
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).
NSTS’s dominant mechanic is balance-sheet intermediation: modest accounting losses coexist with positive cash generation and meaningful leverage.
In FY2025, the net loss narrowed to$386K from$789K , but that accounting improvement did not carry through to cash production. Operating cash flow fell to$4.1M from$9.4M , indicating that the lower loss was not matched by stronger operating inflows.
The balance sheet is liability-funded: FY2025 total liabilities were
FY2025 free cash flow was
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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 13/100 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 90/100 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 89/100 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 5/100 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 64/100 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 13/100 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), both operating efficiency signals pass.
NSTS Bancorp, Inc. reported a net loss of $386K while generating $4.1M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
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 -$204K in net income in Q2 2026. This represents an increase of 20.9% from the same quarter a year earlier. Against the prior quarter it is down 423.1%.
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; long-term debt is not reported 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 ROE was -0.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. 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-Q | 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% |
| SG&A Expenses | $1.8M+7.9% | $1.6M+5.1% | $1.5M-5.5% | $1.6M+5.5% | $1.6M+11.9% | $1.5M+11.6% | $1.6M+10.6% | $1.5M+27.6% |
| 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 | $0 | $0 | $0 | $0 | $0 | $0 | $0-100.0% | $0+100.0% |
| Net Income | -$204K+20.9% | -$39K+88.1% | $135K+393.5% | $65K+138.0% | -$258K+20.9% | -$328K-33.3% | -$46K+98.8% | -$171K+26.3% |
| EPS (Basic) | -$0.04+20.0% | -$0.01+85.7% | $0.03+400.0% | $0.01+133.3% | -$0.05+28.6% | -$0.07-40.0% | -$0.01+98.7% | -$0.03+40.0% |
| EPS (Diluted) | N/A | N/A | N/A | $0.01+133.3% | 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, 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-Q | 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% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 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, Inventory, Accounts Receivable, 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-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.9M+345.0% | $5.5M+306.8% | $3.2M-65.7% | $2.9M+77.3% | $655K+140.1% | -$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% | $5.5M+302.1% | $3.2M-65.3% | $2.9M+83.0% | $616K+135.2% | -$2.7M-3692.1% | $9.2M+2599.7% | $1.6M+920.9% |
| Investing Cash Flow | $1.9M+146.0% | $351K-85.5% | $723K+163.3% | -$8.8M-1838.4% | -$4.1M-170.5% | $2.4M+148.1% | -$1.1M-106.5% | -$453K-119.8% |
| Financing Cash Flow | -$686K+89.4% | $3.5M-18.0% | -$4.0M-137.7% | -$7.4M-843.4% | -$6.5M-743.6% | $4.2M-57.4% | $10.7M+250.2% | $1.0M+132.5% |
| 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-Q | 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 |
| Debt-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 | 9350.9% | 127.3% | 113.9% | 24.2%+100.6pp | -126.1% | 14412.5% | 69.3%+60.2pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| NSTS Bancorp, Inc. NSTS | FY2025 | $9.7M | -$386K | -4.0% | $74.1M | 46/100 |
| Broadway Financial Corp/Del BYFC | FY2025 | $34.9M | -$24.8M | -71.0% | $112.7M | 21/100 |
| Central Plains Bancshares, Inc. CPBI | FY2026 | $21.3M | $4.0M | 18.7% | $80.9M | 42/100 |
| First Northwest Bancorp FNWB | FY2025 | $68.9M | -$4.2M | -6.1% | $98.5M | 11/100 |
| Bank of the James Financial Group, Inc BOTJ | FY2025 | $48.7M | $9.0M | 18.5% | $123.8M | 52/100 |
| First US Bancshares, Inc. FUSB | FY2025 | $41.0M | $6.0M | 14.6% | $90.6M | 29/100 |
Where NSTS Bancorp, Inc. Ranks
Frequently Asked Questions
What is NSTS Bancorp, Inc.'s annual revenue?
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.
How fast is NSTS Bancorp, Inc.'s revenue growing?
NSTS Bancorp, Inc. (NSTS) revenue grew by 8.1% year-over-year, from $9.0M to $9.7M in fiscal year 2025.
Is NSTS Bancorp, Inc. profitable?
No, NSTS Bancorp, Inc. (NSTS) reported a net income of -$386K in fiscal year 2025, with a net profit margin of -4.0%.
What is NSTS Bancorp, Inc.'s net profit margin?
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.
What is NSTS Bancorp, Inc.'s return on equity (ROE)?
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.
What is NSTS Bancorp, Inc.'s free cash flow?
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.
What is NSTS Bancorp, Inc.'s operating cash flow?
NSTS Bancorp, Inc. (NSTS) generated $4.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are NSTS Bancorp, Inc.'s total assets?
NSTS Bancorp, Inc. (NSTS) had $266.6M in total assets as of fiscal year 2025, including both current and long-term assets.
What are NSTS Bancorp, Inc.'s capital expenditures?
NSTS Bancorp, Inc. (NSTS) invested $104K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is NSTS Bancorp, Inc.'s debt-to-equity ratio?
NSTS Bancorp, Inc. (NSTS) had a debt-to-equity ratio of 2.33 as of fiscal year 2025, 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 -0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is NSTS Bancorp, Inc.'s P/E ratio?
NSTS Bancorp, Inc. (NSTS) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $74.1M as of Sep 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is NSTS Bancorp, Inc.'s price-to-sales ratio?
NSTS Bancorp, Inc. (NSTS) trades at 6.9x sales, its market capitalization divided by revenue of $10.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $74.1M as of Sep 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is NSTS Bancorp, Inc.'s Piotroski F-Score?
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.
Are NSTS Bancorp, Inc.'s earnings high quality?
NSTS Bancorp, Inc. (NSTS) reported a net loss of $386K while generating $4.1M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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.
How financially healthy is NSTS Bancorp, Inc.?
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 a 0-100 composite 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.