NSTS Bancorp, Inc. (NasdaqCM:NSTS) Stock Price & Quote Analysis

NSTS Stock Overview

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.

NSTS fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	0/6
Financial Health	6/6
Dividends	0/6

Rewards

Revenue grew by 14.3% over the past year

Risk Analysis

Does not have a meaningful market cap ($57M)

My Notes

New

Notes are coming soon

NSTS Bancorp, Inc. Competitors

Kentucky First Federal Bancorp

NasdaqGM:KFFB

US$55.0m

Income Opportunity Realty Investors

NYSEAM:IOR

US$50.0m

1895 Bancorp of Wisconsin

NasdaqCM:BCOW

US$64.4m

CFSB Bancorp

NasdaqCM:CFSB

US$55.8m

Price History & Performance

Summary of all time highs, changes and price drops for NSTS Bancorp
Historical stock prices
Current Share Price	US$10.60
52 Week High	US$12.58
52 Week Low	US$9.82
Beta	0
1 Month Change	3.41%
3 Month Change	2.32%
1 Year Change	-14.52%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-15.81%

Recent updates

Shareholder Returns

	NSTS	US Mortgage	US Market
7D	-0.09%	4.6%	1.7%
1Y	-14.5%	-6.9%	-9.6%

Return vs Industry: NSTS underperformed the US Mortgage industry which returned -6.9% over the past year.

Return vs Market: NSTS underperformed the US Market which returned -9.6% over the past year.

Price Volatility

Is NSTS's price volatile compared to industry and market?
NSTS volatility
NSTS Average Weekly Movement	1.5%
Mortgage Industry Average Movement	3.5%
Market Average Movement	6.7%
10% most volatile stocks in US Market	17.5%
10% least volatile stocks in US Market	2.8%

Stable Share Price: NSTS is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 2% a week.

Volatility Over Time: NSTS's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1921	38	Stephen Lear	https://www.northshoretrust.com

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.

NSTS Bancorp, Inc. Fundamentals Summary

How do NSTS Bancorp's earnings and revenue compare to its market cap?
NSTS fundamental statistics
Market Cap	US$57.22m
Earnings (TTM)	-US$69.00k
Revenue (TTM)	US$6.39m

0.7x

P/B Ratio

9.0x

P/S Ratio

Is NSTS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
NSTS income statement (TTM)
Revenue	US$6.39m
Cost of Revenue	US$0
Gross Profit	US$6.39m
Other Expenses	US$6.45m
Earnings	-US$69.00k

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	-0.013
Gross Margin	100.00%
Net Profit Margin	-1.08%
Debt/Equity Ratio	0%

How did NSTS perform over the long term?

See historical performance and comparison

NSTS Bancorp NasdaqCM:NSTS Stock Report