NSTS Bancorp, Inc. (NSTS) Stock Price & Analysis
NSTS Bancorp, Inc. (NSTS) — MoonshotScore 65/100 (Strong band), calculated Oct 5, 2026. Price $14.26 (0.00%), as of the Oct 2, 2026 trading session; market cap $75.0M.
Educational signal · not a buy or sell recommendation · How to read this
NSTS Bancorp, Inc. · NSTS · NASDAQ
NSTS Bancorp, Inc. is a savings and loan holding company operating through North Shore Trust and Savings in Illinois. The company provides a range of banking products and services, including deposit accounts and loans, primarily within the residential and commercial real estate sectors.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · NSTS Bancorp (NSTS)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Durable growth, at a cheap price, though quality is only middling; the market is already moving on it. Business Quality: Average; Financial Safety: Sound; Valuation: Fair; Growth Durability: Growing; Momentum: Surging.
- quarterly revenue $4M (Q2 FY2026, quarter ended Jun 2026)
- Altman Z 0.14 · Piotroski F 5
- ROE -0.1% · ROA -0.0% · current ratio 0.49 · earnings yield -0.1% · free-cash-flow yield 19.2%
Helping: an attractive price, durable growth, positive momentum
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 65 | Fair | |
| 63 | Fair | |
| 64 | Fair | |
| 64 | Fair | |
| 65 | Fair | |
| 65 | Fair |
The score moved from 64 in the stored Oct 4, 2026 snapshot to 65 in the current publication computed Oct 5, 2026 (+1); the largest pillar moves were Growth Durability +4 and Momentum +1. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $14.26 | |
| Change on the day | 0.00% | |
| 52-week range | $10.72 – $14.28 | |
| Market capitalisation | $75.0M | |
| Shares traded on the day | 97.7K |
Price & events
Council Score · weighted blend of 2 available disciplines
Council score for NSTS Bancorp (NSTS): Bullish Lean
61/100 · B+Some lenses disagree with the MoonshotScore. Compare their readings below; each uses a different method.
5-Factor Breakdown
Legends Council
6 lenses, 6 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 5, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
One of these lenses reads this company less favourably than the MoonshotScore does: Griffin-style lens. Each lens is a separate scoring function over its own inputs, so a disagreement is a difference of method rather than a correction — the page's answer stays the MoonshotScore above.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the NSTS film — every key number, told as a short cinematic story
~2 min · open the film
What is NSTS Bancorp (NSTS), and what does it report?
Short answer · as of
A current FMP business description is unavailable; the listing and provider classification below are the available identity facts. NSTS Bancorp, Inc. (NSTS) is listed on NASDAQ. It employs 49 people and is led by Stephen G. Lear. In Q2 FY2026 it reported revenue of $4M and net income of -$204,000. The market values it at $75.0M.
What do the latest results show for NSTS Bancorp (NSTS)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $4M.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $4M | -$204,000 | -$0.04 (diluted) |
| Q1 FY2026 | $3M | -$39,000 | -$0.01 (diluted) |
| Q4 FY2025 | $3M | $135,000 | $0.03 (diluted) |
| Q3 FY2025 | $3M | $65,000 | $0.01 (diluted) |
What are the financial strengths and risks for NSTS Bancorp (NSTS)?
Short answer
The MoonshotScore pillars rate an attractive price, durable growth, positive momentum as strengths. The distress and quality screens read Altman Z 0.14 · Piotroski F 5. Trailing ratios: ROE -0.1% · ROA -0.0% · current ratio 0.49 · earnings yield -0.1% · free-cash-flow yield 19.2%.
Data-derived red flags
- Financial-distress signal — its Altman Z-Score of 0.14 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-0.1%) — the business is not currently generating profit on shareholder capital.
How does NSTS Bancorp compare with its peers?
Short answer
NSTS Bancorp's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
| Company | Price | Market value | Score |
|---|---|---|---|
| $37.67 Oct 5, 2026 | $506M | 92 5-pillar Oct 5, 2026 | |
| $65.83 Oct 5, 2026 | $531M | 92 5-pillar Oct 5, 2026 | |
| $32.08 Oct 5, 2026 | $287M | 91 5-pillar Oct 5, 2026 | |
| $98.44 Oct 5, 2026 | $321M | 91 5-pillar Oct 5, 2026 | |
| $33.66 Oct 5, 2026 | $367M | 91 5-pillar Oct 5, 2026 | |
| $32.54 Oct 5, 2026 | $389M | 91 5-pillar Oct 5, 2026 | |
| $29.25 Oct 5, 2026 | $184M | 90 5-pillar Oct 5, 2026 | |
| $38.59 Oct 5, 2026 | $267M | 90 5-pillar Oct 5, 2026 | |
| $43.87 Oct 5, 2026 | $298M | 90 5-pillar Oct 5, 2026 | |
| $55.67 Oct 5, 2026 | $321M | 90 5-pillar Oct 5, 2026 | |
| $26.45 Oct 5, 2026 | $368M | 90 5-pillar Oct 5, 2026 | |
| $79.99 Oct 5, 2026 | $389M | 90 5-pillar Oct 5, 2026 | |
| NSTS Bancorp (NSTS) — this page | $14.26 | $75.0M | 65 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Insider activity
Form 4 records via FMP · Most recent available transactions
- Transactions
- 12
- Identified insiders
- 8
- Purchases
- 0
- Sales
- 1
- Other transactions
- 11
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Common Questions About NSTS
These answers are editorial: 3 of these 9 answers are drawn from the NSTS research dossier (written May 9, 2026 by gemini-2.0-flash); the other 6 are question templates that restate figures shown above. Figures in this section are not part of the source register.
What does the MoonshotScore mean for NSTS?
NSTS carries the MoonshotScore stated above — the Strong band. This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers. NSTS Bancorp, Inc. is a savings and loan holding company operating through North Shore Trust and Savings in Illinois.
Is NSTS a good stock to buy?
Stock Expert AI does not rate NSTS buy, sell or hold. NSTS Bancorp, Inc. carries a MoonshotScore, in the Strong band, a research rating against its peers rather than a forecast. Whether it fits is your call: check what it sells, whether it earns and what the price assumes. This is educational content, not investment advice.
What is the NSTS stock price today?
The last price recorded on this page for NSTS Bancorp, Inc. (NSTS) is $14.26, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What does NSTS Bancorp, Inc. do?
NSTS Bancorp, Inc. functions as the holding company for North Shore Trust and Savings, a community bank operating in Illinois.
What do analysts say about NSTS stock?
Analyst coverage of NSTS Bancorp, Inc. is limited due to its small market capitalization. Key valuation metrics, such as price-to-earnings and price-to-book ratios, may be difficult to compare due to the company's negative profit margin.
What are the main risks for NSTS?
NSTS Bancorp, Inc. faces several risks inherent to the regional banking sector. These include interest rate risk, credit risk, and regulatory risk. Competition from larger national and regional banks poses a threat to NSTS Bancorp's market share and profitability.
What are the key factors to evaluate for NSTS?
NSTS Bancorp, Inc. (NSTS) holds a MoonshotScore in the moderate range. Operates three full-service branch offices and one loan production office in Illinois. Not financial advice.
How frequently does NSTS data refresh on this page?
NSTS's price is the last quote we recorded, from the Oct 2, 2026 trading session. Pages are served from a cache, so the copy you are reading can lag that quote. The quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 is recalculated from the most recent completed US trading session; the score's own date shows its last successful run.
What has driven NSTS's recent stock price performance?
NSTS Bancorp, Inc. (NSTS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in the Illinois banking market. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated May 9, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (16 figures)
The 16 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
FMP — 9 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $14.26 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T10:44:51.780Z. | |
px.change | Change on the day | 0.00% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $75.0M | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-09-30. FMP quote timestamp: 2026-09-30T20:00:01.000Z. Captured from FMP at 2026-10-05T10:44:48.235Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | $0.00 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $4M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.volume | Shares traded on the day | 97.7K | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_income | Net income, Q2 FY2026 | -$204,000 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
own.insiders | Insider transactions via FMP | 12 transactions · 0 purchases, 1 sales, 11 other transactions · 8 identified insiders · most recent available transactions | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. |
UNRECORDED — 5 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.scores | Distress and quality screens | Altman Z 0.14 · Piotroski F 5 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-03 · Expired observation | |
fin.ratios | Return and yield ratios (trailing twelve months) | ROE -0.1% · ROA -0.0% · current ratio 0.49 · earnings yield -0.1% · free-cash-flow yield 19.2% | — | UNRECORDED | Stored key metrics — Date unknown |
px.range52 | 52-week range | $10.72 – $14.28 | UNRECORDED | Stored company-profile observation — Captured 2026-10-02 | |
id.employees | Employees | 49 | UNRECORDED | Stored company-profile observation — Captured 2026-10-02 | |
id.ceo | Chief executive | Stephen G. Lear | UNRECORDED | Stored company-profile observation — Captured 2026-10-02 |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 65 of 100 · Strong · pillars 47 / 60 / 71 / 70 / 92 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 64 (stored snapshot Oct 4, 2026) → 65 (current publication computed Oct 5, 2026) (+1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
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Data provided for informational purposes only.