NSTS Bancorp, Inc. NSTS
statements regarding our business plans, prospects, growth and operating strategies;
estimates of our risks and future costs and benefits.
general economic conditions, either nationally or in our market areas, that are different than expected;
changes in the level and direction of loan delinquencies and charge-offs and changes in estimates of the adequacy of the allowance for credit losses;
Last close
14.05
2026-09-04
Market cap
$73.8M
2026-06-30 share count
52-week range
10.72 - 14.05
Valuation FY2025 figures against the last close
P/S292.9x
P/E—
P/FCF18.7x
EV/EBITDA—
Dividend yield—
Diluted EPS—
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Revenue | $252.0K | $256.0K | $270.0K | $291.0K | $289.0K | $255.0K | — |
| Interest expense | $7.5M | $7.1M | $6.2M | $764.0K | $4.1M | $4.5M | — |
| Pre-tax income | -$386.0K | -$789.0K | -$3.0M | $173.0K | -$269.0K | -$615.0K | — |
| Income tax | $0 | $0 | $999.0K | $146.0K | $214.0K | $503.0K | — |
| Net income | -$386.0K | -$789.0K | -$4.0M | $27.0K | -$55.0K | -$112.0K | — |
| EPS, basic | -0.08 | -0.16 | -0.79 | 0.01 | — | — | — |
| Shares, diluted (wtd. avg.) | $4.9M | $4.9M | $5.0M | $4.7M | — | — | — |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Cash and equivalents | $34.0M | $53.5M | $31.4M | $13.1M | $121.6M | $31.9M | — |
| Property, plant and equipment | $5.1M | $5.3M | $5.3M | $5.0M | $5.1M | $5.2M | — |
| Total assets | $266.6M | $278.7M | $256.8M | $264.2M | $340.9M | $242.2M | — |
| Total liabilities | $186.7M | $202.2M | $179.2M | $183.7M | $295.7M | $195.5M | — |
| Retained earnings | $39.9M | $40.3M | $41.1M | $45.3M | $45.3M | $45.3M | — |
| Total equity | $80.0M | $76.5M | $77.5M | $80.5M | $45.2M | $46.7M | $45.8M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | $4.1M | $9.4M | $431.0K | $3.0M | $1.5M | -$620.0K | — |
| Depreciation and amortisation | $302.0K | $293.0K | $266.0K | $267.0K | $268.0K | $290.0K | — |
| Stock-based compensation | $678.0K | $767.0K | $519.0K | $0 | — | — | — |
| Capital expenditure | $104.0K | $319.0K | $516.0K | $215.0K | $142.0K | $104.0K | — |
| Investing cash flow | -$9.8M | -$8.2M | $24.9M | -$44.5M | -$11.8M | -$5.9M | — |
| Financing cash flow | -$13.7M | $20.8M | -$7.1M | -$67.0M | $100.1M | $6.0M | — |
| Buybacks | $0 | $970.0K | $2.4M | $0 | — | — | — |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001437749-26-010098.
Others in SIC 6035
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|---|---|---|---|---|
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| TFSL | TFS Financial CORP | $4.93B | 54.9x | 4.0% |
| BKU | BankUnited, Inc. | $3.30B | 13.1x | 7.4% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | $3.09B | 10.6x | 7.1% |
| CFFN | Capitol Federal Financial, Inc. | $1.11B | 17.1x | 6.5% |
| HTB | HomeTrust Bancshares, Inc. | $788.8M | 12.7x | -2.1% |
| KRNY | Kearny Financial Corp. | $657.7M | 17.8x | -0.1% |