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3.59%
Nsts bancorp, inc.
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate, construction, home equity, and consumer loans. It operates through a main banking office in Waukegan, Illinois; and two full-service branch offices located in Waukegan and Lindenhurst, Illinois, as well as a loan production office in Chicago, Illinois. The company was founded in 1921 and is headquartered in Waukegan, Illinois.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Nsts bancorp, inc. (NSTS) covers the period of 2025Q3 and was published on 2025/09/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating NSTS's short-term business performance and financial health. For the latest updates on NSTS's earnings releases, visit this page regularly.
According to the latest financial report, Nsts bancorp, inc. (NSTS) reported an Operating Profit of 65K with an Operating Margin of 2.54% this period, representing a growth of 138.01% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Nsts bancorp, inc. (NSTS) announced revenue of 2.56M, with a Year-Over-Year growth rate of 14.64%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Nsts bancorp, inc. (NSTS) held Total Cash and Cash Equivalents of 34.14M, accounting for 0.13 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Nsts bancorp, inc. (NSTS) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 2.54%%, and net margin of 2.5%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess NSTS's profit trajectory and future growth potential.
According to the past four quarterly reports, Nsts bancorp, inc. (NSTS)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.01. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Nsts bancorp, inc. (NSTS)'s Free Cash Flow (FCF) for the period is 2.86M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 83.03% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Nsts bancorp, inc. (NSTS) has a Price-To-Earnings (PE) ratio of -101.36 and a Price/Earnings-To-Growth (PEG) ratio of -1.82. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.