NSTS Bancorp Inc (NSTS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
NSTS Bancorp Inc stock (NSTS) is currently trading at $11.80. NSTS Bancorp Inc PS ratio (Price-to-Sales) is 6.09. WallStSmart rates NSTS as Sell.
- NSTS PE ratio analysis and historical PE chart
- NSTS PS ratio (Price-to-Sales) history and trend
- NSTS intrinsic value — DCF, Graham Number, EPV models
- NSTS stock price prediction 2025 2026 2027 2028 2029 2030
- NSTS fair value vs current price
- NSTS insider transactions and insider buying
- Is NSTS undervalued or overvalued?
- NSTS Bancorp Inc financial analysis — revenue, earnings, cash flow
- NSTS Piotroski F-Score and Altman Z-Score
- NSTS analyst price target and Smart Rating
NSTS Bancorp Inc
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Smart Analysis
NSTS Bancorp Inc (NSTS) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book. Concerns around market cap and return on equity. Significant fundamental concerns warrant caution or avoidance.
NSTS Bancorp Inc (NSTS) Key Strengths (1)
Trading below book value, meaning the market prices it less than net assets
NSTS Bancorp Inc (NSTS) Areas to Watch (7)
Company is destroying shareholder value
Company is losing money with a negative profit margin
Near-zero operating margins, business under pressure
Micro-cap company with very limited liquidity and high volatility
Premium valuation at 6.1x annual revenue
Low institutional interest, mostly retail-driven
Solid revenue growth at 14.60% per year
Supporting Valuation Data
NSTS Bancorp Inc (NSTS) Detailed Analysis Report
Overall Assessment
This company scores 30/100 in our Smart Analysis, earning a F grade. Out of 8 metrics analyzed, 1 register as strengths (avg 10.0/10) while 7 fall into concern territory (avg 2.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book. Valuation metrics including Price/Book (0.74) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Profit Margin, Operating Margin. Some valuation metrics including Price/Sales (6.09) suggest expensive pricing. Growth concerns include Revenue Growth at 14.60%, which may limit upside. Profitability pressure is visible in Return on Equity at -0.72%, Operating Margin at 2.54%, Profit Margin at -5.81%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -0.72% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 14.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Profit Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NSTS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NSTS's Price-to-Sales ratio of 6.09x sits near its historical average of 6.73x (42th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 39% below its historical high of 9.91x set in Feb 2022, and 37% above its historical low of 4.44x in Mar 2025. Over the past 12 months, the PS ratio has expanded from ~4.4x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for NSTS Bancorp Inc (NSTS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
NSTS Bancorp Inc is in a turnaround phase, with management focused on restoring profitability. Revenue reached 10M with 15% growth year-over-year. The company is currently unprofitable, posting a -5.8% profit margin.
Key Findings
Generating 3M in free cash flow and 3M in operating cash flow. Earnings are translating into actual cash generation.
The company is unprofitable with a -5.8% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact NSTS Bancorp Inc.
Bottom Line
NSTS Bancorp Inc is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About NSTS Bancorp Inc(NSTS)
NASDAQ
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.