NSTS Bancorp Inc. Common Stock (NSTS)

FairStock Score: 55/100 — STEADY

Key Financials

Concerns

• Altman Z-Score of 0.4 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

NSTS Bancorp Inc. Common Stock is a micro-cap financial services company valued at $65 million. Revenue stands at $10 million. From a quality standpoint, NSTS shows distressed Altman Z-Score of 0.4 warrants caution and negative ROE indicating losses. On valuation, the stock is solid 4.9% FCF yield. Growth dynamics show revenue growing at 3.2% and profit growth of 393.5%. Our composite FairStock Score of 55/100 reflects mixed fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

Improving fundamentals and sector tailwinds could drive meaningful earnings growth, compressing the effective multiple for patient investors. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer