NSTS Bancorp, Inc Financials

NSTS

Source SEC Filings (10-K/10-Q) Updated Dec 31, 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 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).

Rhea AI NSTS FY2025 2026-04-22

Balance-sheet management, not the tiny revenue line, is the dominant mechanic behind NSTS's cash generation and reported losses.

In FY2025, cash fell by 36.3% even though operating cash flow stayed positive at $4.1M and the net loss narrowed. Because financing and investing used more cash than operations supplied, the liquidity drop looks more like balance-sheet repositioning than an operating cash shortfall, and it coincided with total liabilities falling to $186.7M.

The reported revenue line of $252K is tiny beside asset scale of $266.6M, so a normal sales-and-margin reading misses the point. Earnings are being driven mainly by balance-sheet economics, which is why SG&A and interest expense can overwhelm the stated revenue base without telling the full story of cash generation.

NSTS looks less leveraged than a year ago, with debt-to-equity down to 2.3x as liabilities fell by $15.5M and assets also contracted. Free cash flow remained close to operating cash flow because capital spending was only $104K, so fixed-asset reinvestment is not the main drain on liquidity.

Financial Health Signals

Financial Profile 32/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

NSTS Bancorp, Inc's revenue declined 1.6% year-over-year, from $256K to $252K. This contraction results in a growth score of 28/100.

Leverage

NSTS Bancorp, Inc has a moderate D/E ratio of 2.33. This balance of debt and equity financing earns a leverage score of 54/100.

Cash Flow

100

NSTS Bancorp, Inc converts 1566.7% of revenue into free cash flow ($3.9M). This strong cash generation earns a score of 100/100.

Returns

NSTS Bancorp, Inc generates a -0.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 8/100. This is up from -1.0% the prior year.

Piotroski F-Score Neutral

4/9

NSTS Bancorp, Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

-10.50x

For every $1 of reported earnings, NSTS Bancorp, Inc generates $-10.50 in operating cash flow ($4.1M OCF vs -$386K net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$252K

YoY-1.6%

5Y CAGR-0.2%

NSTS Bancorp, Inc generated $252K in revenue in fiscal year 2025. This represents a decrease of 1.6% from the prior year.

EBITDA

N/A

Net Income

-$386K

YoY+51.1%

NSTS Bancorp, Inc reported -$386K in net income in fiscal year 2025. This represents an increase of 51.1% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

$3.9M

YoY-56.7%

NSTS Bancorp, Inc generated $3.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 56.7% from the prior year.

Cash & Debt

$34.0M

YoY-36.3%

5Y CAGR+1.3%

NSTS Bancorp, Inc held $34.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

YoY+0.2%

NSTS Bancorp, Inc had 5M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-153.2%

YoY+155.0pp

5Y CAGR-109.3pp

NSTS Bancorp, Inc's net profit margin was -153.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 155.0 percentage points from the prior year.

Return on Equity

-0.5%

YoY+0.6pp

5Y CAGR-0.2pp

NSTS Bancorp, Inc's ROE was -0.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

YoY-100.0%

NSTS Bancorp, Inc spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$104K

YoY-67.4%

5Y CAGR+0.0%

NSTS Bancorp, Inc invested $104K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 67.4% from the prior year.

NSTS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$252K-1.6%	$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	N/A
Gross Profit	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
SG&A Expenses	$6.3M+5.5%	$5.9M+30.4%	$4.6M+18.4%	$3.8M+22.4%	$3.1M-14.9%	$3.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.5M+8.8%	$3.2M+115.1%	$1.5M+97.4%	$764K-81.4%	$4.1M-9.6%	$4.5M
Income Tax	$0	$0-100.0%	$999K+584.2%	$146K+168.2%	-$214K+57.5%	-$503K
Net Income	-$386K+51.1%	-$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	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$63K-4.5%	$66K+3.1%	$64K+8.5%	$59K-7.8%	$64K-4.5%	$67K+4.7%	$64K+4.9%	$61K
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	$1.5M-2.5%	$1.6M-4.7%	$1.6M+7.1%	$1.5M-5.0%	$1.6M+8.8%	$1.5M+1.0%	$1.5M+6.8%	$1.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$802K-8.8%	$879K-5.5%	$930K+1.2%	$919K-2.0%	$938K+13.0%	$830K+7.1%	$775K+10.7%	$700K
Income Tax	$0	$0	$0	$0	$0	$0	$0	$0
Net Income	$135K+107.7%	$65K+125.2%	-$258K+21.3%	-$328K-613.0%	-$46K+73.1%	-$171K+47.5%	-$326K-32.5%	-$246K
EPS (Diluted)	N/A	$0.01	N/A	N/A	N/A	$-0.03	N/A	N/A

NSTS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$266.6M-4.3%	$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	N/A
Cash & Equivalents	$34.0M-36.3%	$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	N/A
Accounts Receivable	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
Total Liabilities	$186.7M-7.7%	$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	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$80.0M+4.6%	$76.5M-1.4%	$77.5M-3.7%	$80.5M+78.3%	$45.2M-3.3%	$46.7M
Retained Earnings	$39.9M-1.0%	$40.3M-1.9%	$41.1M-9.4%	$45.3M+0.1%	$45.3M-0.1%	$45.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$266.6M-1.2%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$34.0M-0.3%	$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
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	$186.7M-2.2%	$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
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	$80.0M+1.3%	$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
Retained Earnings	$39.9M+0.3%	$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

NSTS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$4.1M-57.0%	$9.4M+2088.6%	$431K-85.6%	$3.0M+105.9%	$1.5M+334.2%	-$620K
Capital Expenditures	$104K-67.4%	$319K-38.2%	$516K+140.0%	$215K+51.4%	$142K+36.5%	$104K
Free Cash Flow	$3.9M-56.7%	$9.1M+10822.4%	-$85K-103.1%	$2.8M+111.8%	$1.3M+280.9%	-$724K
Investing Cash Flow	-$9.8M-19.7%	-$8.2M-132.7%	$24.9M+156.1%	-$44.5M-275.4%	-$11.8M-99.7%	-$5.9M
Financing Cash Flow	-$13.7M-165.9%	$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	N/A
Share Buybacks	$0-100.0%	$970K-59.3%	$2.4M	$0	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$3.2M+12.2%	$2.9M+336.9%	$655K+124.5%	-$2.7M-128.6%	$9.4M+479.9%	$1.6M+198.9%	-$1.6M-1873.9%	$92K
Capital Expenditures	$8K+166.7%	$3K-92.3%	$39K-27.8%	$54K-60.0%	$135K+159.6%	$52K-55.2%	$116K+625.0%	$16K
Free Cash Flow	$3.2M+12.0%	$2.9M+364.1%	$616K+122.6%	-$2.7M-129.6%	$9.2M+490.5%	$1.6M+189.4%	-$1.7M-2400.0%	$76K
Investing Cash Flow	$723K+108.2%	-$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
Financing Cash Flow	-$4.0M+45.8%	-$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
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0	$0	N/A	N/A	$462K+8.2%	$427K	N/A	N/A

NSTS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	-153.2%+155.0pp	-308.2%+1157.4pp	-1465.6%-1474.8pp	9.3%+28.3pp	-19.0%+24.9pp	-43.9%
Return on Equity	-0.5%+0.6pp	-1.0%+4.1pp	-5.1%-5.1pp	0.0%+0.1pp	-0.1%+0.1pp	-0.2%
Return on Assets	-0.1%+0.1pp	-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	N/A
Debt-to-Equity	2.33-0.3	2.64+0.3	2.31+0.0	2.28-4.3	6.54+2.4	4.18
FCF Margin	1566.7%-1993.5pp	3560.2%+3591.6pp	-31.5%-984.7pp	953.3%+500.0pp	453.3%+737.2pp	-283.9%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	214.3%+115.8pp	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%
Return on Equity	0.2%+0.1pp	0.1%+0.4pp	-0.3%+0.1pp	-0.4%-0.4pp	-0.1%+0.2pp	-0.2%+0.2pp	-0.4%-0.1pp	-0.3%
Return on Assets	0.1%+0.0pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.33-0.1	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
FCF Margin	5084.1%+752.3pp	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%

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Frequently Asked Questions

What is NSTS Bancorp, Inc's annual revenue?

NSTS Bancorp, Inc (NSTS) reported $252K in total revenue for fiscal year 2025. This represents a -1.6% 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 1.6% year-over-year, from $256K to $252K 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 -153.2%.

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

NSTS Bancorp, Inc (NSTS) had a net profit margin of -153.2% 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.

How many shares does NSTS Bancorp, Inc have outstanding?

NSTS Bancorp, Inc (NSTS) had 5M shares outstanding as of fiscal year 2025.

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 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 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) has an earnings quality ratio of -10.50x, 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.

How financially healthy is NSTS Bancorp, Inc?

NSTS Bancorp, Inc (NSTS) scores 32 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.