Company Overview
NSTS Bancorp, Inc. operates as a savings and loan holding company that provides a comprehensive suite of banking products and services specifically within the state of Illinois. The institution focuses on deposit-taking and lending activities, offering interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts alongside one- to four-family residential loans. This entity functions within the broader Financial Services sector and is classified specifically under the Banks - Regional industry, positioning it as a localized financial intermediary serving specific community needs. The company's current scale is defined by a market capitalization of $56.68M and an annual revenue of $9.76M, supported by a workforce of 50 employees. These valuation and revenue figures indicate that NSTS is a small-cap regional bank with a modest operational footprint, distinguishing it from larger national or mid-sized regional competitors that typically demonstrate significantly higher revenue volumes and market capitalizations.
Financial Health
The company reported revenue of $9.76M over the trailing twelve months, yet it recorded a net income of $-567,000 and an EBITDA of N/A. The substantial gap between the positive revenue of $9.76M and the negative net income of $-567,000 reveals a cost structure where operating expenses and provisions likely exceed pre-tax earnings, resulting in an overall loss for the period. While free cash flow is listed as N/A, the absence of a positive free cash flow figure in conjunction with the net loss suggests limited financial flexibility for capital expenditures or aggressive share buyback programs during this reporting cycle. The company exhibits a gross margin of 0.0%, which is standard for banking institutions where the cost of funds closely matches interest income on loans, leaving no margin at the top line. The operating margin stands at 2.5%, indicating that core banking operations cover a small fraction of total costs before other expenses, while the profit margin is negative at -5.8%, confirming that total expenses surpassed total revenue. In terms of liquidity, the company holds $35.38M in cash, whereas debt data is N/A, and the debt-to-equity ratio is N/A; the presence of significant cash reserves without reported debt suggests a conservative balance sheet approach rather than a leveraged one. The current ratio is N/A, so specific short-term liquidity coverage relative to immediate liabilities cannot be quantified from the available data. Return on Equity is -0.7% and Return on Assets is -0.2%, metrics that reveal management has not yet generated sufficient returns on the capital deployed or assets held to offset operational costs and losses.
Valuation Assessment
The P/E Ratio (TTM) is N/A and the Forward P/E is N/A, which implies that the market cannot value the stock based on traditional earnings multiples due to the company's current negative earnings trajectory and lack of forecasted positive earnings. The price-to-book ratio is 0.72, a figure that indicates the market is valuing the company at a significant discount to its book value, suggesting investors are pricing in potential distress or low growth expectations rather than a premium. The price-to-sales ratio is 5.81, and the EV/EBITDA is N/A; this high multiple relative to sales suggests that despite the loss, the market is applying a valuation based on revenue generation potential or asset backing rather than profitability. The 52-week high is $13.06 and the 52-week low is $10.72, placing the stock within its recent trading range but requiring a calculation of the current price position relative to these bounds to assess volatility or momentum within the established band. The beta value is 0.12, which indicates that the stock's price volatility is significantly lower than the broader market, suggesting that NSTS moves independently of general market swings and may offer a different risk profile than a beta of 1.0.
Growth & Income
Revenue growth year-over-year is 14.6%, while earnings growth year-over-year is N/A; the absence of positive earnings growth data combined with a revenue increase implies that top-line expansion has not yet translated into bottom-line profitability, likely due to fixed costs or one-time expenses that have persisted despite higher loan volumes. The dividend yield is N/A and the payout ratio is 0.0%, indicating that the company does not distribute cash to shareholders and retains all earnings, though the current net loss means there are no earnings to distribute. As a non-dividend payer, NSTS reinvests any potential earnings or utilizes its cash reserves into growth initiatives rather than paying dividends, a common strategy for smaller regional banks seeking to expand market share or repair capital ratios. The overall growth and income profile is characterized by strong top-line expansion at 14.6% that has not yet been matched by profitable operations, resulting in a lack of current income distribution and a reliance on retained capital or cash reserves to fund future initiatives.