NASDAQ : NSTS
NSTS Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 14.26 USD (At close: Sep 30, 2026) · Market cap 70.13M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 7.33M | 7.45M | 6.79M | 4.36M | 3.62M | 3.57M |
| Interest Income on Investments | 3.25M | 3.54M | 3.52M | 3.37M | 2.73M | 1.47M |
| Total Interest Income | 10.58M | 10.99M | 10.30M | 7.73M | 6.35M | 5.04M |
| Interest Paid on Deposits | 3.15M | 3.42M | 3.00M | 1.34M | 764.00K | 940.00K |
| Interest Paid on Borrowings | 113.00K | 243.00K | 172.00K | |||
| Total Interest Expense | 3.15M | 3.53M | 3.24M | 1.51M | 764.00K | 940.00K |
| Net Interest Income | 7.43M | 7.46M | 7.06M | 6.22M | 5.58M | 4.10M |
| Gain (Loss) on Sale of Investments | -1.79M | 131.00K | ||||
| Other Non-Interest Income | 1.39M | 455.00K | 440.00K | 342.00K | 839.00K | 379.00K |
| Total Non-Interest Income | 3.35M | 2.27M | 1.94M | -1.15M | 1.24M | 1.21M |
| Revenues Before Loan Losses | 10.78M | 9.73M | 9.00M | 5.07M | 6.82M | 5.31M |
| Provision for Loan Losses | -237.00K | -192.00K | 71.00K | 176.00K | -230.00K | -23.00K |
| Revenue | 11.02M | 9.93M | 8.93M | 4.89M | 7.05M | 5.33M |
| Salaries and Employee Benefits | 5.28M | 5.34M | 4.96M | 3.84M | 3.60M | 3.14M |
| Occupancy Expenses | 874.00K | 875.00K | 782.00K | 739.00K | 658.00K | 665.00K |
| Selling, General & Administrative | 3.17M | 2.95M | 3.02M | 2.46M | 1.83M | 1.17M |
| Other Non-Interest Expense | 1.07M | 1.15M | 959.00K | 814.00K | 786.00K | 619.00K |
| Total Non-Interest Expense | 10.40M | 10.31M | 9.72M | 7.85M | 6.88M | 5.60M |
| EBT Excluding Unusual Items | 615.00K | -386.00K | -789.00K | -2.96M | 173.00K | -269.00K |
| Pretax Income | -43.00K | -386.00K | -789.00K | -2.96M | 173.00K | -269.00K |
| Income Tax Expense | 999.00K | 146.00K | -214.00K | |||
| Net Income | -43.00K | -386.00K | -789.00K | -3.96M | 27.00K | -55.00K |
| Net Income to Common | -43.00K | -386.00K | -789.00K | -3.96M | 27.00K | -55.00K |
| Basic Shares Outstanding | 4.90M | 4.89M | 4.91M | 5.00M | 4.73M | 5.40M |
| Diluted Shares Outstanding | 4.90M | 4.89M | 4.91M | 5.00M | 4.73M | 5.40M |
| EPS (Basic) | -0.01 | -0.08 | -0.16 | -0.79 | 0.01 | -0.01 |
| EPS (Diluted) | -0.01 | -0.08 | -0.16 | -0.79 | 0.01 | -0.01 |
| Effective Tax Rate | 84.39% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 47.52M | 34.04M | 53.48M | 31.39M | 13.15M | 121.61M |
| Investment Securities | 27.95M | 29.01M | 21.89M | 27.64M | 52.79M | 31.52M |
| Mortgage-Backed Securities | 47.43M | 50.95M | 50.86M | 56.49M | 72.89M | 72.90M |
| Total Investments | 75.37M | 79.96M | 72.74M | 84.13M | 125.68M | 104.42M |
| Gross Loans | 127.62M | 129.76M | 131.56M | 121.80M | 103.98M | 97.31M |
| Allowance for Loan Losses | -1.09M | -1.13M | -1.20M | -1.18M | -624.00K | -779.00K |
| Net Loans | 126.53M | 128.63M | 130.36M | 120.62M | 103.36M | 96.53M |
| Property, Plant & Equipment | 5.00M | 5.11M | 5.31M | 5.29M | 5.04M | 5.09M |
| Loans Held for Sale | 1.37M | 4.46M | 1.22M | 380.00K | 104.00K | |
| Accrued Interest Receivable | 881.00K | 925.00K | 870.00K | 758.00K | 852.00K | 641.00K |
| Other Long-Term Assets | 12.64M | 12.90M | 14.12M | 13.67M | 15.58M | 11.92M |
| Total Assets | 269.92M | 266.65M | 278.69M | 256.78M | 264.21M | 340.87M |
| Accrued Expenses | 3.83M | 3.60M | 5.30M | 4.02M | 3.70M | 3.62M |
| Interest Bearing Deposits | 142.79M | 144.80M | 156.27M | 146.43M | 156.94M | 177.15M |
| Institutional Deposits | 26.82M | 23.37M | 21.99M | 9.97M | 8.80M | 9.38M |
| Non-Interest Bearing Deposits | 14.47M | 13.31M | 11.90M | 12.42M | 12.98M | 99.09M |
| Total Deposits | 184.08M | 181.47M | 190.16M | 168.83M | 178.71M | 285.62M |
| Federal Home Loan Bank Debt, Long-Term | 5.00M | 5.00M | 5.00M | |||
| Other Long-Term Liabilities | 1.89M | 1.60M | 1.74M | 1.38M | 1.25M | 1.44M |
| Total Liabilities | 189.79M | 186.67M | 202.20M | 179.23M | 183.66M | 295.69M |
| Common Stock | 56.00K | 56.00K | 56.00K | 56.00K | 54.00K | |
| Additional Paid-In Capital | 52.97M | 52.35M | 51.68M | 50.92M | 50.42M | |
| Retained Earnings | 39.64M | 39.88M | 40.27M | 41.05M | 45.29M | 45.26M |
| Treasury Stock | -3.20M | -3.09M | -3.24M | -2.38M | ||
| Comprehensive Income & Other | -9.34M | -9.22M | -12.28M | -12.11M | -15.22M | -81.00K |
| Shareholders' Equity | 80.12M | 79.97M | 76.49M | 77.55M | 80.54M | 45.18M |
| Total Liabilities & Equity | 269.92M | 266.65M | 278.69M | 256.78M | 264.21M | 340.87M |
| Total Debt | 5.00M | 5.00M | 5.00M | |||
| Net Cash (Debt) | 48.27M | 35.29M | 49.98M | 28.38M | 17.62M | 120.08M |
| Net Cash Per Share | 9.84 | 7.22 | 10.18 | 5.67 | 3.73 | 22.25 |
| Filing Date Shares Outstanding | 4.92M | 4.92M | 4.88M | 4.93M | 5.40M | 5.40M |
| Total Common Shares Outstanding | 4.92M | 4.92M | 4.88M | 4.93M | 5.40M | 5.40M |
| Book Value Per Share | 16.29 | 16.27 | 15.67 | 15.74 | 14.92 | 8.37 |
| Tangible Book Value | 80.12M | 79.97M | 76.49M | 77.55M | 80.54M | 45.18M |
| Tangible Book Value Per Share | 16.29 | 16.27 | 15.67 | 15.74 | 14.92 | 8.37 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -43.00K | -386.00K | -789.00K | -3.96M | 27.00K | -55.00K |
| Depreciation & Amortization | 300.00K | 302.00K | 293.00K | 266.00K | 267.00K | 268.00K |
| Gain (Loss) on Sale of Assets | -7.00K | |||||
| Gain (Loss) on Sale of Investments | 428.00K | 461.00K | 515.00K | 2.33M | 958.00K | 1.19M |
| Provision for Credit Losses | -237.00K | -192.00K | 71.00K | 176.00K | -230.00K | -23.00K |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 15.18M | 6.16M | 8.79M | -348.00K | 210.00K | 2.28M |
| Accrued Interest Receivable | -303.00K | -871.00K | -46.00K | 165.00K | 648.00K | -1.27M |
| Change in Other Net Operating Assets | 461.00K | -1.68M | 1.23M | 313.00K | 74.00K | 52.00K |
| Other Operating Activities | -743.00K | 901.00K | -372.00K | 798.00K | 895.00K | -575.00K |
| Operating Cash Flow | 14.52M | 4.05M | 9.43M | 431.00K | 2.99M | 1.45M |
| Capital Expenditures | -48.00K | -104.00K | -319.00K | -516.00K | -215.00K | -142.00K |
| Investment in Securities | -3.25M | -3.70M | 10.33M | 43.28M | -37.67M | -13.63M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -3.90M | -5.94M | -18.14M | -17.82M | -6.59M | 1.77M |
| Other Investing Activities | 1.40M | -20.00K | -35.00K | -38.00K | ||
| Investing Cash Flow | -5.80M | -9.77M | -8.16M | 24.95M | -44.48M | -11.85M |
| Short-Term Debt Issued | 10.00M | |||||
| Long-Term Debt Issued | 5.00M | 5.00M | ||||
| Total Debt Issued | 15.00M | 5.00M | ||||
| Short-Term Debt Repaid | -10.00M | |||||
| Long-Term Debt Repaid | -5.00M | -5.00M | -4.00M | |||
| Total Debt Repaid | -5.00M | -10.00M | -5.00M | -4.00M | ||
| Net Debt Issued (Repaid) | -5.00M | 5.00M | -5.00M | 1.00M | ||
| Issuance of Common Stock | 215.00K | 215.00K | 215.00K | 49.44M | ||
| Repurchase of Common Stock | -122.00K | -114.00K | -1.08M | -2.38M | ||
| Net Increase (Decrease) in Deposit Accounts | -8.88M | -8.68M | 21.33M | -9.89M | -106.91M | 99.22M |
| Other Financing Activities | 106.00K | -140.00K | 357.00K | 129.00K | -4.51M | -77.00K |
| Financing Cash Flow | -8.68M | -13.72M | 20.82M | -7.14M | -66.97M | 100.14M |
| Net Cash Flow | 34.00K | -19.44M | 22.09M | 18.24M | -108.46M | 89.74M |
| Free Cash Flow | 14.47M | 3.95M | 9.11M | -85.00K | 2.77M | 1.31M |
| Free Cash Flow Margin | 131.39% | 39.77% | 102.05% | -1.74% | 39.35% | 24.58% |
| Free Cash Flow Per Share | 2.95 | 0.81 | 1.86 | -0.02 | 0.59 | 0.24 |
| Cash Interest Paid | 3.13M | 3.56M | 3.25M | 1.46M | 766.00K | 948.00K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 70.13M | 63.30M | 57.68M | 50.55M | 54.68M | |
| Last Close Price | 14.26 | 12.95 | 11.80 | 9.51 | 10.13 | |
| PE Ratio | 2,025.23 | |||||
| PS Ratio | 6.37 | 6.38 | 6.46 | 10.33 | 7.76 | |
| PB Ratio | 0.88 | 0.79 | 0.75 | 0.65 | 0.68 | |
| P/FCF Ratio | 4.85 | 16.03 | 6.33 | 19.71 | ||
| P/OCF Ratio | 4.83 | 15.62 | 6.11 | 117.28 | 18.29 | |
| Debt / Equity Ratio | 0.07 | 0.06 | 0.11 | |||
| Debt / FCF Ratio | 0.55 | 3.82 | ||||
| Net Debt / Equity Ratio | -0.60 | -0.44 | -0.65 | -0.37 | -0.22 | -2.66 |
| Net Debt / FCF Ratio | -3.33 | -8.94 | -5.48 | 333.87 | -6.35 | -91.66 |
| Return on Equity (ROE) | -0.05% | -0.49% | -1.02% | -5.01% | 0.04% | -0.12% |
| Return on Assets (ROA) | -0.02% | -0.14% | -0.29% | -1.52% | 0.01% | -0.02% |
| Earnings Yield | -0.06% | -0.61% | -1.37% | -7.83% | 0.05% | |
| FCF Yield | 20.64% | 6.24% | 15.80% | -0.17% | 5.07% | |
| Buyback Yield / Dilution | -0.60% | 0.49% | 1.86% | -5.82% | 12.39% |