NSTS
NSTS Bancorp, Inc.Financial Services·Banks - Regional
$13.77
$72M market cap
Revenue
$6.6M
Free Cash Flow
$8.6M
Rev Growth
+0.0%
FCF Margin
131.1%
P/FCF
8.4x
EV/FCF
6.0x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate, construction, home equity, and consumer loans. It operates through a main banking office in Waukegan, Illinois; and two full-service branch offices located in Waukegan and Linde
2-Year Price History
$13.84+42.5%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 3.2 | 0.0 | -0.0 | -0.0 | 5.5 | 5.5 | -0.0 | 49.5 | 28.4 | 4.9 | -0.3% | 0.1x | -- |
| Act | 2025-Q4 | 3.3 | 0.2 | 0.1 | 0.1 | 3.2 | 3.1 | -0.2 | 36.9 | 27.6 | 4.9 | 1.0% | 0.3x | -- |
Valuation & Metrics
Market Stats
Price$13.77
Market Cap$72M
Enterprise Value$51M
P/S Ratio11.1x
P/FCF8.4x
EV/FCF6.0x
FCF Margin (TTM)131.1%
FCF Yield11.9%
Dividend Yield (TTM)--
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$6.6M
Net Income$0.1M
Free Cash Flow$8.6M
Revenue Growth (YoY)+0.0%
EBITDA Margin3.8%
Net Margin1.5%
FCF Margin131.1%
CapEx % of Revenue2.5%
SBC % of Revenue8.2%
ROIC0.4%
WC Change % Rev0.1%
Interest Coverage0.2x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.0M
Days to Cover2.4
Change (vs Prior)+14.6%
Need at least 2 settlement dates for chart
Employees
Headcount53
Revenue / Employee$123,755
Gross Profit / Employee$98,434
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
15.5%(+2.9% YoY)
13 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
5.0%(-0.3% YoY)
6 filers
Vanguard, iShares, SPDR
Market makers
0.2%(+0.2% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $6.7M | $9.59 | +$37K | +$20K | -0.3% | $307.70B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $2.2M | $11.66 | +$2.2M | +$2.2M | — | $4.04T |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | $1.2M | $12.55 | +$365K | +$1.2M | -0.5% | $113M |
| RAFFLES ASSOCIATES LP | $1.1M | $11.18 | +$0 | −$0 | -1.2% | $115M |
| Focus Partners Wealth | $708K | $12.95 | +$0 | +$708K | -0.7% | $89.03B |
| Creative Planning | $525K | $10.48 | +$0 | +$0 | -0.7% | $144.46B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $523K | $10.20 | −$6K | −$25K | +2.3% | $1.61T |
| ROBERTS GLORE & CO INC /IL/ | $426K | $9.09 | +$0 | +$0 | -0.2% | $364M |
| VANGUARD FIDUCIARY TRUST COPassive | $327K | $11.66 | +$327K | +$327K | — | $395.83B |
| M3F, Inc. | $311K | $9.38 | +$0 | −$157K | +1.5% | $404M |
| NORTHERN TRUST CORPPassive | $247K | $10.23 | −$2K | −$40K | -0.2% | $755.34B |
| RENAISSANCE TECHNOLOGIES LLC | $204K | $12.00 | +$0 | +$36K | +1.2% | $63.91B |
| BlackRock, Inc.Passive | $142K | $10.47 | +$4K | +$8K | -0.2% | $5.69T |
| STATE STREET CORPPassive | $131K | $11.80 | +$0 | +$0 | -0.2% | $2.89T |
| SUSQUEHANNA INTERNATIONAL GROUP, LLPMM | $130K | $9.17 | −$10K | +$130K | -0.6% | $77.14B |
| American Capital Advisory, LLC | $10K | $9.51 | +$0 | +$0 | -0.3% | $247M |
| NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO | $6K | $11.66 | +$6K | +$6K | -0.0% | $162.09B |
| HARBOUR INVESTMENTS, INC. | $6K | $12.95 | +$0 | +$6K | -1.1% | $6.48B |
| Scarborough Advisors, LLC | $2K | $12.33 | +$0 | +$2K | +0.6% | $913M |
| Russell Investments Group, Ltd. | $0 | $11.66 | +$0 | +$0 | +1.5% | $93.03B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.36%
avg per quarter
Holders (ex-self)
-0.36%
excl. this stock
Buyers (this Q)
-0.49%
6 buyers · $0.00B in
Sellers (this Q)
+0.00%
3 sellers · $0.00B out
alpha coverage: 83% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+26.4%
how holders react when this stock falls
On quiet Qs
-4.5%
−10% to +10% baseline
On rallies (+10%+)
-2.8%
how they react when this stock rises
Holders' portfolio flow this Q
+1.4%
inflows — adds are organic
Sellers' portfolio flow this Q
+0.9%
Sellers' overall flow ~ flat.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-4.7%
Holder mid (any stock)
-2.1%
Holder rally (any stock)
-2.4%
Biggest decreases this quarter
New buyers this quarter
Top-5 holders · 79.9%
ALLIANCEBERNSTEIN L.P.--
VANGUARD CAPITAL MANAGEMENT LLC--
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC--
RAFFLES ASSOCIATES LP--
Focus Partners Wealth--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
ALLIANCEBERNSTEIN L.P.516KM3F, Inc.27KRAFFLES ASSOCIATES LP94KGRAHAM CAPITAL WEALTH MANAGEMENT, LLC101KFocus Partners Wealth61KKovitz Investment Group Partners, LLC—Creative Planning45KTWO SIGMA INVESTMENTS, LP—BHZ CAPITAL MANAGEMENT, LP—ROBERTS GLORE & CO INC /IL/36K
Corporate
Order Flow (FINRA, ~3w lag)
42.2%retail+17.7pp
4.0%dark+1.0pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
NSTS Bancorp: Robust Regulatory Capital Offsets Persistent Operating Losses and Portfolio Valuation Headwinds
Overall Risk
4/10
Fraud
2/10
Dilution
4/10
Insolvency
2/10
Earnings Overstated
3/10
Hidden Liabilities
3/10
Legal
2/10
Audit Warnings
1/10
Hidden Upside
3/10
Contextually Acceptable
8/10