NSTS Bancorp Inc
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NSTS Bancorp Inc AI Insights
Informational only. Not investment advice.Snapshot
- Trading at 0.75x book value (16.08/share) despite 35.4M cash (59% of market cap) - deep discount to tangible assets[Price to Book Ratio]
- FCF of 10.0M TTM vs -567K net income - operating cash generation masks accounting losses[Free Cash Flow TTM]
- EPS declined 21% 3Y CAGR while revenue grew 14% 3Y CAGR - margin compression from rising interest expense (3.7M TTM)[EPS Growth 3Y]
Watch Triggers
- Net Income TTM: Turns positive for 2 consecutive quarters — Profitability inflection would justify re-rating toward book value
- Interest Expense TTM: Falls below 3.0M (20% reduction) — Rate relief or debt paydown could flip margin to positive
- Cash and Equivalents: Drops below 25M — Cash cushion erosion would remove key downside protection
Bull Case
Cash of 35.4M plus FCF of 10.0M TTM covers entire market cap (59.4M) in 2.4 years - asset-backed downside protection
Debt/equity of 0.32 with tangible book of 78.9M (1.3x market cap) provides acquisition or liquidation floor
Bear Case
Negative net income (-567K TTM) with interest expense (3.7M) consuming 39% of revenue - structurally unprofitable
Micro-cap (59M) with 4.9M shares - illiquidity risk and limited institutional interest
Bull vs Bear Balance
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Forward Thesis
Book value discount likely persists until net income turns positive or strategic action occurs
- Negative ROE (-0.7% TTM) deters value investors
- Interest expense (3.7M) exceeds total revenue growth capacity
- No dividend signals limited shareholder return focus
Valuation Context
Caveats
Public Strategies Rankings
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NSTS Fundamentals
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$57.08M | — | ||
$49.38M | — | ||
0.00 | — | ||
$9.43M | +7.3% | — | |
$-0.08 | — | ||
0% | — | ||
-4.09% | +4.9% | — | |
$3.95M | -56.7% | — | |
-0.49% | +0.5% | — | |
Beta 5Y (Monthly) | unknown | — |
NSTS Dividend History
NSTS Stock Splits
NSTS SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
03/27/26 | 12/31/25 | Unknown | |
11/13/25 | 09/30/25 | 10-Q | |
08/14/25 | 06/30/25 | 10-Q | |
05/14/25 | 03/31/25 | 10-Q | |
03/28/25 | 12/31/24 | 10-K | |
11/13/24 | 09/30/24 | 10-Q | |
08/09/24 | 06/30/24 | 10-Q | |
05/13/24 | 03/31/24 | 10-Q | |
03/28/24 | 12/31/23 | 10-K | |
11/13/23 | 09/30/23 | 10-Q | |
08/11/23 | 06/30/23 | 10-Q | |
05/12/23 | 03/31/23 | 10-Q | |
03/30/23 | 12/31/22 | 10-K | |
11/14/22 | 09/30/22 | 10-Q | |
08/12/22 | 06/30/22 | 10-Q | |
05/13/22 | 03/31/22 | 10-Q | |
03/22/22 | 12/31/21 | 10-K | |
11/14/22 | 09/30/21 | 10-Q | |
11/12/21 | 06/30/21 | 424B3 | |
05/13/22 | 03/31/21 | 10-Q | |
11/12/21 | 12/31/20 | 424B3 |