NSTS Bancorp, Inc. (NSTS)
NSTS Bancorp, Inc. brought in $253K of revenue over the twelve months to June 30, 2026, down 0.4% from a year earlier. It posted a net loss of $43K. Operating cash flow minus capital spending left $3.9M of free cash flow in fiscal 2025. At June 30, 2026 it held $47.5M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 13, 2026.
Key facts about NSTS Bancorp, Inc.
- Net worth
- NSTS Bancorp, Inc. has a market value (market cap) of $74.9M at the latest share price, and shareholders' equity of $80.1M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $252K (-1.6% year on year), with a net loss of $386K. Over the 12 months to June 30, 2026: revenue $253K, net loss $43K.
- Cash flow
- In fiscal 2025 operations brought in $4.1M of cash; after $104K of capital spending, free cash flow was $3.9M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 13, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- NSTS Bancorp, Inc.'s next report is expected around November 12, 2026. That is an estimate from its filing rhythm, not a date the company has announced.
What NSTS Bancorp, Inc. does
NSTS Bancorp, Inc. is registered with the SEC under industry code SIC 6035 (Savings Institution, Federally Chartered). Its shares trade on NASDAQ under the ticker NSTS.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $252K | -$386K | -$0.08 | $3.9M |
| 2024 | $256K | -$789K | -$0.16 | $9.1M |
| 2023 | $270K | -$4M | -$0.79 | -$85K |
| 2022 | $291K | $27K | $0.01 | $2.8M |
| 2021 | $289K | -$55K | n/a | $1.3M |
| 2021 | $255K | -$112K | n/a | -$724K |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where NSTS ranks in Finance
Latest SEC filings
What NSTS Bancorp, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 2, 2026Passive stake changed SCHEDULE 13G/A
- October 1, 2026Form S-8 POS filing S-8 POS
- October 1, 2026Delisting notice 25-NSE
- October 1, 2026Change in control8-KNSTS Bancorp completed its merger with Brookfield Bancshares for an aggregate consideration of $73,662,000.
- August 31, 2026Merger proxy statement DEFM14A
- August 19, 2026Form PREM14A filing PREM14A
- August 13, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 1.6% to $65K versus the same quarter last year; diluted EPS -$0.04 versus -$0.05.
- June 4, 2026Other event 8-K
- June 1, 2026
- May 14, 2026Quarterly report 10-Q · period to March 31, 2026Revenue was flat at $59K versus the same quarter last year; diluted EPS -$0.01 versus -$0.07.
What is NSTS worth? A DCF from its reported cash flow
Insider trades
What the people running NSTS Bancorp, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider bought or sold shares on the open market in the last 90 days. The 14 reported changes were pay in shares, option exercises, shares withheld for tax or gifts.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 1, 2026 | True Rodney J,Director | Other change | 39,200 | $561K |
| October 1, 2026 | True Rodney J,Director | Other changeindirect | 10,000 | $143.1K |
| October 1, 2026 | Arenas ApolonioDirector | Other change | 26,700 | $382.1K |
| October 1, 2026 | Arenas ApolonioDirector | Other changeindirect | 7,500 | $107.3K |
| October 1, 2026 | Kneesel Thomas JDirector | Other change | 29,200 | $417.9K |
| October 1, 2026 | Schoolcraft Carissa HChief Financial Officer | Other change | 24,190 | $346.2K |
| October 1, 2026 | Schoolcraft Carissa HChief Financial Officer | Other changeindirect | 5,253 | $75.2K |
| October 1, 2026 | Lear Stephen G.Chief Executive Officer, Director | Other change | 62,905 | $900.2K |
Who owns NSTS
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| AllianceBernstein L.P.13G, passive | 9.7% | November 15, 2024 |
| North Shore Trust & Savings Employee Stock Ownership Plan Trust13G, passive | 8.1% | February 10, 2025 |
Largest institutional holders
Insiders
Questions about NSTS
What does NSTS Bancorp, Inc. do?
NSTS Bancorp, Inc. is a company in the Finance sector, listed on NASDAQ as NSTS. Its shares trade on NASDAQ under the ticker NSTS.
What is NSTS Bancorp, Inc.'s net worth?
NSTS Bancorp, Inc. has a market value (market cap) of $74.9M at the latest share price, and shareholders' equity of $80.1M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is NSTS Bancorp, Inc. profitable?
No. Over the twelve months to June 30, 2026 it reported a net loss of $43K on revenue of $253K.
How much revenue does NSTS Bancorp, Inc. make?
Over the twelve months to June 30, 2026 NSTS Bancorp, Inc. reported revenue of $253K. That is 0.4% less than a year earlier.
When did NSTS Bancorp, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 13, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the passive stake changed from October 2, 2026.
When is NSTS Bancorp, Inc.'s next earnings report?
NSTS Bancorp, Inc.'s next report is expected around November 12, 2026. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values NSTS Bancorp, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.