NSTS Bancorp

NSTS

Banks - Regional · Financial Services

Price

$13.99

-0.05 (-0.37%)

Market Cap

$73.6M

Exchange

NASDAQ

Winston Score

–

No score yet — Winston is napping.

We couldn’t gather enough financial data to score this stock reliably.

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Share count falling — buybacks

−9.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 5.4M (2021) → 4.9M (2025)

Winston Score History

The full picture

NSTS Bancorp is the parent company of North Shore Community Bancorp, a small community bank serving individuals and small businesses in the northern suburbs of Chicago, Illinois. It offers basic banking services like checking and savings accounts, home loans, and small business loans. It is a very small regional bank focused entirely on its local community.

The bank makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. With a market cap of roughly $100 million, it operates a limited number of branches in the Chicago metro area and competes against much larger regional and national banks. The main risk facing NSTS is its very thin profitability — the bank is currently operating near breakeven, and rising funding costs or a slowdown in loan demand could push it further into the red.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+17.4% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+24.2% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

15.9%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$326M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

NSTS Bancorp is a rare growth stock that's already generating positive cash flow while growing at 17%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+8.9%

Steady sales growth (+8.9% YoY)

Profit growth

EPS YoY

N/A

—

Data not available

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

N/A

Data not available

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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