Financial Snapshot

Revenue
$192.0K
TTM
Gross Margin
Net Earnings
-$4.512M
TTM
Current Assets
Current Liabilities
$4.242M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$78.44M
Q3 2024
Cash
Q3 2024
P/E
-13.05
Nov 29, 2024 EST
Free Cash Flow
-$479.0K
TTM

Revenues

Revenues

Loading...

Revenue YoY Change

Loading...

Revenues

Concept 2023 2022 2021 2020 2019
Revenue $270.0K $291.0K $5.038M $6.023M
YoY Change -7.22% -94.22% -16.35%

Expenses

Cost Of Revenues

Loading...

Gross Profit

Loading...

Gross Profit Margin

Loading...

Gross Profit

Concept 2023 2022 2021 2020 2019
Revenue $270.0K $291.0K $5.038M $6.023M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Loading...

Research & Development

Loading...

Depreciation, Depletion & Amortization

Loading...

SGA Expense to Gross Profit Ratio

Loading...

R&D To Gross Profit Ratio

Loading...

DDA To Gross Profit Ratio

Loading...

Operating Expenses Total

Loading...

Operating Profits/Loss

Loading...

Operational Expenses

Concept 2023 2022 2021 2020 2019
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $266.0K $267.0K $268.0K $290.0K $280.0K
YoY Change -0.37% -0.37% -7.59% 3.57%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Loading...

Interest Expenses To Operating Income %

Loading...

Other Expense/Income

Loading...

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019
Interest Expense $1.508M $764.0K
YoY Change 97.38%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Loading...

Income Tax

Loading...

Net Profits/Loss

Loading...

Pretax Income YoY Change

Loading...

Income Tax Rate

Loading...

Net Profits/Loss YoY Change

Loading...

Basic EPS

Loading...

Net Income To Revenue Ratio

Loading...

Pretax & Net Income

Concept 2023 2022 2021 2020 2019
Pretax Income -$2.958M $173.0K -$269.0K -$615.0K $330.0K
YoY Change -1809.83% -164.31% -56.26% -286.36%
Income Tax $999.0K $146.0K -$214.0K -$503.0K -$90.00K
% Of Pretax Income 84.39% -27.27%
Net Earnings -$3.957M $27.00K -$55.00K -$112.0K $410.0K
YoY Change -14755.56% -149.09% -50.89% -127.32%
Net Earnings / Revenue -1465.56% 9.28% -1.09% -1.86%
Basic Earnings Per Share -$0.79 $0.01
Diluted Earnings Per Share -$0.79 $0.01 -$11.11K -$20.37K $75.93K

Assets & Liabilities

Cash & Short-Term Investments

Loading...

Cash & Equivalents

Loading...

Cash To Operating Expenses Ratio

Loading...

Inventory

Loading...

Receivables

Loading...

Total Short-Term Assets

Loading...

Property, Plant And Equipment

Loading...

Long-Term Investments

Loading...

Total Long-Term Assets

Loading...

Total Assets

Loading...

Net Income To Total Assets Percentage

Loading...

Accounts Payable

Loading...

Short-Term Debt

Loading...

Long Term Debt Due

Loading...

Total Short-Term Liabilities

Loading...

Long-Term Debt

Loading...

Other Long-Term Liabilities

Loading...

Total Long-Term Liabilities

Loading...

Total Liabilities

Loading...

Short-Term To Long-Term Debt Ratio

Loading...

Short-Term Assets To Debt Ratio

Loading...

Long-Term Debt To Net Income Ratio

Loading...

Assets & Liabilities

Concept 2023 2022 2021 2020 2019
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $5.285M $5.035M $5.100M $5.200M $5.400M
YoY Change 4.97% -1.27% -1.92% -3.7%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $256.8M $264.2M $340.9M $242.2M $235.5M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $4.023M $3.697M $3.600M $3.600M $3.900M
YoY Change 8.82% 2.69% 0.0% -7.69%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $4.023M $3.697M $3.600M $3.600M $3.900M
YoY Change 8.82% 2.69% 0.0% -7.69%
Long-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Total Liabilities $179.2M $183.7M $295.7M $195.5M $189.8M
YoY Change -2.41% -37.89% 51.25% 3.0%

Ownership

Basic Shares Outstanding

Loading...

Diluted Shares Outstanding

Loading...

Preferred Stock

Loading...

Treasury Stock Shares

Loading...

Stock Issuance & Repurchase

Loading...

Ownership Data

Concept 2023 2022 2021 2020 2019
Basic Shares Outstanding 5.004M 4.729M
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Loading...

Book Value

Loading...

Free Cash Flow

Loading...

Free Cash Flow YoY

Loading...

Free Cash Flow Margin

Loading...

Dividends

Dividends

Loading...

Stock Price

Loading...
Market Cap: $58.861 Million

About NSTS Bancorp, Inc.

NSTS Bancorp, Inc. engages in the provision of financial services which include family mortgage loan, savings accounts, and certificate of deposit accounts. The company is headquartered in Waukegan, Illinois and currently employs 46 full-time employees. The company went IPO on 2022-01-19. The Bank is a federally chartered stock savings institution. Its primary business activity includes accepting deposits from the general public and using those funds to originate one to four family residential mortgage loans and purchase investments. The Bank's activities include originating loans for family residential properties, multi-family and non-owner occupied commercial real estate loans, and home equity loans and lines of credit, construction loans, and other consumer loans in the market areas. The firm offers a variety of deposit products consist of checking, both interest-bearing and noninterest-bearing, money market, savings, and time deposit accounts. Its primary sources of funds are deposits, and principal and interest payments on loans and securities. The company operates two offices in Waukegan and Lindenhurst, Illinois and one loan production office in Chicago, Illinois.

Industry: Savings Institution, Federally Chartered Peers: 1895 Bancorp of Wisconsin, Inc. /MD/ Catalyst Bancorp, Inc. CFSB Bancorp, Inc. /MA/ First Seacoast Bancorp IF Bancorp, Inc. Kentucky First Federal Bancorp Rocket Companies, Inc.