NSTS Bancorp Inc. Common Stock (NSTS)

FairStock Score: 55/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for banks that earn a steady return on equity, lend prudently, and trade at a discount to tangible book. NSTS Bancorp is a 49-employee Illinois thrift, so I start with a narrow moat and limited scale. The filed numbers show a troubled earnings record: in FY2023 it lost $4.0M, in FY2024 it lost $789,000, and in FY2025 it lost $386,000. The trend is better, but still red. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $65,000, net income was -$204,000, and diluted EPS was -$0.04. Fiscal Q1 2026 had a -$39,000 loss, while fiscal Q3 2025 produced $65,000 of net income. That is not consistency; it is a turnaround still trying to prove itself. FairStock puts the shares at $14.26 on 2026-10-05, a market cap of $65.2M, price-to-book of 0.88, and ROE of -0.05%. The below-book price could be a Graham cushion, but with negative returns, book value may erode rather than grow. The P/E of -1426 and EPS of -$0.01 are artifacts of near-zero losses. Piotroski 4/9 and a 55/100 FairStock score suggest neither deep value nor quality. I cannot assess CET1, net interest margin, nonperforming loans, or reserve coverage from the data; combined ratio is an insurance metric and also absent. A low beta of 0.22 and the Lynch TURNAROUND label fit a sleepy, speculative recovery. The price is near its 52-week high of $14.28, so Mr. Market is not giving this away. I would need consistent profits and better credit disclosure before calling it a bargain.

In plain English: NSTS Bancorp is a small Illinois bank holding company for North Shore Trust and Savings; it takes deposits and makes residential, multifamily, commercial real estate, construction and consumer loans. The business has been losing money in recent years, though the losses have generally become smaller. At $14.26, the stock trades a little below the accounting value of its net assets, so the price looks inexpensive compared with its books, but the weak profits make it hard to call it a strong business.

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Data as of 2026-10-05 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer