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
14.26
2026-09-30
Market cap
$74.9M
2026-06-30 share count
52-week range
10.90 - 14.28
Valuation FY2025 figures against the last close
P/S297.3x
P/E—
P/FCF19.0x
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.
Plot the figures US dollars
Income statement
Revenue
Cost of revenue
Gross profit
R&D
SG&A
Total operating expenses
Operating income
Interest expense
Pre-tax income
Income tax
Net income
EPS, basic
EPS, diluted
Shares, diluted (wtd. avg.)
- Revenue
- Gross profit
- Net income
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Revenue | — | $255.0K | $289.0K | $291.0K | $270.0K | $256.0K | $252.0K |
| Gross profit | — | — | — | — | — | — | — |
| Net income | — | -$112.0K | -$55.0K | $27.0K | -$4.0M | -$789.0K | -$386.0K |
Recent filings and events
- Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
- Shareholder vote The results of the annual meeting or a special vote. Item 5.07
- Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
- Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
- Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
- Other event Item 8.01
- Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
- Officer or director change Item 5.02
- Shareholder vote Item 5.07
- Annual report filed Form 10-K
- Delisting notice The exchange has told the company it no longer meets the rules for staying listed - usually price, market cap, or filings that are late. Item 3.01
- Shareholder vote Item 5.07
Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.
Others in SIC 6035
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|---|---|---|---|---|
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| EBC | Eastern Bankshares, Inc. | $5.12B | 52.1x | 19.1% |
| TFSL | TFS Financial CORP | $4.66B | 51.9x | 4.0% |
| BKU | BankUnited, Inc. | $3.10B | 12.3x | 7.4% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | $3.03B | 10.4x | 7.1% |
| CFFN | Capitol Federal Financial, Inc. | $1.06B | 16.2x | 6.5% |
| HTB | HomeTrust Bancshares, Inc. | $802.9M | 12.9x | -2.1% |
| KRNY | Kearny Financial Corp. | $603.8M | 16.3x | -0.1% |