A Business at a Glance
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NSTS Bancorp, Inc. operates in the Savings Institution, Federally Chartered industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 253K | - | - | 291K | 289K | 255K |
| Net Income | -567K | -789K | -4.0M | 27K | -55K | -112K |
| EPS | $-0.23 | $-0.15 | $-0.75 | $0.01 | $-0.01 | $-0.02 |
| Free Cash Flow | 10.0M | 9.1M | -85K | 2.8M | 1.3M | -724K |
| ROIC | 0.3% | 0.5% | -5.1% | 0.1% | 0.3% | 1.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 2.64 | 2.31 | 2.28 | 6.54 | 4.18 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 151K | 156K | -1.6M | 608K | 156K | 264K |
| Operating Margin | 59.7% | - | - | 208.9% | 54.0% | 103.5% |
| ROE | -0.7% | -1.0% | -5.1% | 0.0% | -0.1% | -0.2% |
| Shares Outstanding | 5M | 5M | 5M | 5M | 5M | 5M |
| Metric | 2020 | 2021 | 2022 | |||
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 255K | 289K | 291K | N/A | N/A | 253K |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 264K | 156K | 608K | -1.6M | 156K | 151K |
| Op. Margin | 103.5% | 54.0% | 208.9% | N/A | N/A | 59.7% |
| Net Income | -112K | -55K | 27K | -4.0M | -789K | -567K |
| Net Margin | -43.9% | -19.0% | 9.3% | N/A | N/A | -224.1% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | 1.8% | 0.3% | 0.1% | -5.1% | 0.5% | 0.3% |
| ROE | -0.2% | -0.1% | 0.0% | -5.1% | -1.0% | -0.7% |
| ROA | -0.0% | -0.0% | 0.0% | -1.5% | -0.3% | -17.0% |
| Cash Flow | ||||||
| Op. Cash Flow | -620K | 1.5M | 3.0M | 431K | 9.4M | 10M |
| Free Cash Flow | -724K | 1.3M | 2.8M | -85K | 9.1M | 10.0M |
| Owner Earnings | -910K | 1.2M | 2.7M | -354K | 8.4M | 9.1M |
| CapEx | 104K | 142K | 215K | 516K | 319K | 231K |
| Maint. CapEx | 290K | 268K | 267K | 266K | 293K | 293K |
| Growth CapEx | 0 | 0 | 0 | 250K | 26K | 0 |
| D&A | 290K | 268K | 267K | 266K | 293K | 293K |
| CapEx/OCF | N/A | N/A | 7.2% | 119.7% | 3.4% | 2.3% |
| Capital Allocation | ||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 2.4M | 970K | 970K |
| Buyback Yield | N/A | N/A | N/A | 4.8% | 1.6% | 1.5% |
| Stock-Based Comp | N/A | N/A | 0 | 519K | 767K | 767K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | -34M |
| Cash & Equiv. | N/A | N/A | N/A | N/A | N/A | 34M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 4.18 | 6.54 | 2.28 | 2.31 | 2.64 | 0.00 |
| Interest Coverage | 0.2 | 0.2 | 0.8 | -1.2 | 0.1 | 0.1 |
| Equity | 47M | 45M | 81M | 78M | 76M | 79M |
| Total Assets | 242M | 341M | 264M | 257M | 279M | 3.3M |
| Total Liabilities | 195M | 296M | 184M | 179M | 202M | 1.2M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 45M | 45M | 45M | 41M | 40M | 40M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||
| EPS | -0.02 | -0.01 | 0.01 | -0.75 | -0.15 | -0.23 |
| Owner EPS | -0.17 | 0.22 | 0.51 | -0.07 | 1.60 | 1.74 |
| Book Value | 8.66 | 8.37 | 15.15 | 14.78 | 14.58 | 15.07 |
| Cash Flow/Share | -0.11 | 0.27 | 0.56 | 0.08 | 1.80 | -0.05 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 5.4M | 5.4M | 5.3M | 5.2M | 5.2M | 5.2M |
| Valuation | ||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | -52.2 |
| P/FCF | N/A | N/A | 19.3 | N/A | 6.8 | 6.3 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | 191.3 |
| Price/Book | N/A | N/A | 0.7 | 0.6 | 0.8 | 0.8 |
| Price/Sales | N/A | N/A | 205.6 | N/A | N/A | 249.1 |
| FCF Yield | N/A | N/A | 5.2% | -0.2% | 14.7% | 15.8% |
| Market Cap | N/A | N/A | 53M | 49M | 62M | 63M |
| Avg. Price | N/A | N/A | 11.25 | 9.23 | 10.06 | 12.03 |
| Year-End Price | N/A | N/A | 10.05 | 9.37 | 11.79 | 12.03 |
NSTS Bancorp, Inc. passes 1 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 6.3x vs a median of 13.0x. Total shareholder yield (buybacks) is 1.5%. At current prices, the estimated annualized return to fair value is +9.5%.
NSTS Bancorp, Inc. (NSTS) has a 5-year average return on invested capital (ROIC) of -0.5%. This is below average and may indicate limited pricing power.
NSTS Bancorp, Inc. (NSTS) has a market capitalization of $63M. It is classified as a small-cap stock.
NSTS Bancorp, Inc. (NSTS) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 1.54%.
NSTS Bancorp, Inc. (NSTS) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
NSTS Bancorp, Inc. (NSTS) generated $9 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
NSTS Bancorp, Inc. (NSTS) has a debt-to-equity ratio of 2.64. This indicates higher leverage, which may increase financial risk.
NSTS Bancorp, Inc. (NSTS) reported earnings per share (EPS) of $-0.15 in its most recent fiscal year.
NSTS Bancorp, Inc. (NSTS) has a return on equity (ROE) of -1.0%. A negative ROE may indicate losses or negative equity.
The Ledger Terminal provides 5 years of financial data for NSTS Bancorp, Inc. (NSTS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
NSTS Bancorp, Inc. (NSTS) has a book value per share of $14.58, based on its most recent annual SEC filing.
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