NSTS Bancorp Inc (NSTS)vsU.S. Bancorp (USB)
NSTS
NSTS Bancorp Inc
$11.84
+0.34%
FINANCIAL SERVICES · Cap: $59.49M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 269865% more annual revenue ($26.35B vs $9.76M). USB leads profitability with a 28.7% profit margin vs -5.8%. USB earns a higher WallStSmart Score of 75/100 (B).
NSTS
Avoid32
out of 100
Grade: F
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for NSTS.
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
Operating margin of 2.5%
ROE of -0.7% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NSTS
The strongest argument for NSTS centers on Price/Book. Revenue growth of 14.6% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : NSTS
The primary concerns for NSTS are EPS Growth, Market Cap, Operating Margin.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NSTS profiles as a turnaround stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
NSTS is growing revenue faster at 14.6% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 32/100), backed by strong 28.7% margins. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
NSTS Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NSTS Bancorp, Inc. is focused on operating as a savings and loan holding company for North Shore Trust and Savings which provides banking products and services in Illinois. The company is headquartered in Waukegan, Illinois.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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