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Nsts Bancorp(NASDAQ) NSTS

Market Cap$72.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2022)+10%
5 YearN/A
1 Year+15%
1 Month+0%
$13.78
+0%
+0.00Today
Nsts Bancorp last closing stock price
MetricPriceDate
Last closeUSD 13.812026-07-24
Nsts Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.04%USD 13.812026-07-17
1 month+0.35%USD 13.762026-06-24
3 month+10%USD 12.552026-04-24
Year to date+6.6%USD 12.952025-12-31
1 year+14.56%USD 12.052025-07-24
3 year+50.05%USD 9.202023-07-25
Since inception+9.65%USD 12.592022-01-19

Nsts Bancorp Financials at a Glance

Market Cap

$72.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$13.27M

Net Income (TTM)

-$97.00K

EPS (TTM)

-$0.02

P/E Ratio

-690.25

Dividend

$0.00

Beta (Volatility)

0.00 (Low)

Price

$13.78

Volume

0

Open

$13.78

Previous Close

$13.78

Daily Range

$13.78 - $13.78

52-Week Range

$10.72 - $13.84

Estimated Earnings Date

May 13, 2026

NSTS News

No articles available.

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About Nsts Bancorp

NSTS Bancorp offers everyday banking and loan services for local residents. Its checking accounts help people manage daily spending. Home loans support families buying or improving homes in Illinois communities.

Money Matters: What NSTS Bancorp Offers

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. No revenue split disclosed.
  • Time Deposits: Fixed-term accounts, such as certificates of deposit, for savers seeking predictable returns. No revenue split disclosed.
  • Residential Mortgages: Loans for buying or refinancing one- to four-family homes, serving local homeowners. No revenue split disclosed.
  • Commercial and Multi-Family Loans: Financing for apartment buildings and business properties. No revenue split disclosed.
  • Consumer and Home Equity Loans: Personal loans and credit lines for home improvements or other needs. No revenue split disclosed.

Branching Out: Growth and Expansion Moves

  • Opened new loan production offices in Aurora and Plainfield, Illinois in 2023.
  • Expanded mortgage origination through the Oak Leaf Community Mortgage brand in recent years.
  • Increased mortgage loan sales to the secondary market, boosting noninterest income since 2024.
  • Hired more mortgage loan originators in 2024 and 2025 to support loan growth.

Why NSTS Bancorp Stands Out

NSTS Bancorp focuses on serving Lake County, Illinois, with a community-driven approach. Its strong capital position and diversified loan portfolio help manage risk. The company adapts by expanding loan origination beyond traditional branches.

Five Things You Need to Know

  • Revenue was $3 million in Q2 2025, up 13.2% year-over-year.
  • Net loss was $258,000 in Q2 2025, improving from $326,000 last year.
  • Loan portfolio reached $132.8 million as of June 30, 2025.
  • Deposits totaled $192.96 million as of June 30, 2025.
  • Tier 1 capital ratio was 23.20% in Q2 2025, well above regulatory minimums.

Bottom Line

NSTS Bancorp has evolved by expanding loan services and maintaining strong capital. Its focus remains on local banking and steady adaptation to market needs.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

49

CEO

Stephen G. Lear, MBA

Website

www.northshoretrust.com

Headquarters

Waukegan, IL 60085, US

NSTS Financials

Key Financial Metrics (TTM)

Gross Margin

76.21%

Operating Margin

-0.73%

Net Income Margin

-0.73%

Return on Equity

-0.12%

Return on Capital

-0.36%

Return on Assets

-0.04%

Earnings Yield

-0.14%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$72.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.26M

Volume

0

Avg. Volume

15.83K

Financials (TTM)

Gross Profit

$10.12M

Operating Income

-$97.00K

EBITDA

$206.00K

Operating Cash Flow

$12.26M

Capital Expenditure

-$205.00K

Free Cash Flow

$12.07M

Cash & ST Invst.

$49.45M

Total Debt

$28.43M

Nsts Bancorp Performance Analysis

Nsts Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 7,584,00021.4%
20232023-12-31USD 6,578,000-13.3%
20242024-12-31USD 12,245,00086.2%
20252025-12-31USD 13,265,0008.3%
Nsts Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3013.4%
Q32025-09-30-2.2%
Q42025-12-31-0.1%
Q12026-03-31-2.4%
Nsts Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.01N/A
20232023-12-31USD -0.79N/A
20242024-12-31USD -0.16-79.7%
20252025-12-31USD -0.08-50.8%
Nsts Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3021.4%
Q32025-09-30125.0%
Q42025-12-31108.3%
Q12026-03-31-128.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$3.24M

+8.3%

Gross Profit

$2.54M

+20.3%

Gross Margin

78.33%

N/A

Market Cap

$72.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.48M

N/A

Employees

49

N/A

Net Income

-$39.00K

+88.1%

EBITDA

$37.00K

+114.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$49.45M

-17.3%

Total Debt

$28.43M

-20.9%

Accounts Receivable

$918.00K

+6.7%

Inventory

$0.00

N/A

Long Term Debt

$28.43M

-20.9%

Short Term Debt

$0.00

N/A

Return on Assets

-0.04%

N/A

Return on Invested Capital

-0.09%

N/A

Free Cash Flow

$5.53M

+302.7%

Operating Cash Flow

$5.53M

+306.8%

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Questions About NSTS

What is the current price of Nsts Bancorp?

Nsts Bancorp is trading at $13.78 per share.

What is the 52-week range for Nsts Bancorp?

Over the past 52 weeks, Nsts Bancorp has traded between $10.72 and $13.84.

How much debt does Nsts Bancorp have?

As of the most recent reporting period, Nsts Bancorp reported total debt of $0.00.

How much cash does Nsts Bancorp have on hand?

Nsts Bancorp does not have cash on hand data available.

What is Nsts Bancorp’s dividend yield?

Nsts Bancorp does not currently have a dividend yield.

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