NSTS Bancorp

NAQ:NSTS · US6293JP1094

BanksX-Small

360

Medium confidence — indicative

Value48

Profit price—

Cash yield1

Sales & asset price44

Price/Sales7

EV / Gross Profit58

Price/Book67

Quality19

Returns on capital14

Profit margins—

Cash backing39

Accruals61

Owner Earnings Margin16

Growth39

Sales growth61

Profit growth5

Reinvestment52

Price momentum6

Safety60

Debt load94

Debt serviceability27

Liquidity5

Sentiment55

Analyst ratings—

Expectations trend—

Market mood3

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

NSTS Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeX-Small

TypePublic Company

ExchangeNASDAQCM

Founded2021

Websiteir.northshoretrust.com

ISINUS6293JP1094

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

NSTS Bancorp, Inc. operates as the bank holding company for North Shore Trust and Savings that provides various banking products and services. The bank operates as a traditional savings institution focused primarily on serving the banking needs of c…

Analysis

Weak and unloved

NSTS Bancorp, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is expensive. You pay 480.7× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone.

The trajectory is tepid and the balance sheet is adequate. The company scores 13/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

Similar Stocks

The companies this stock is ranked against.

Compare NSTS Bancorp with its peers

Blue Foundry Bancorp

NSQ:BLFY

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

Central Plains Bancshares

NAQ:CPBI

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

First Savings Financial

NAQ:FSFG

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

Catalyst Bancorp

NAQ:CLST

CountryUSA

IndustryBanks

SizeX-Small

Full Stock Analysis →

Fifth District Bancorp

NAQ:FDSB

CountryUSA

IndustryBanks

SizeX-Small

Full Stock Analysis →

Provident Services

NYQ:PFS

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →