InsiderClue
Stocks · Financials · Savings Institution, Federally Chartered

NSTS Bancorp, Inc.

NSTS Clue Score36
United States Fiscal year ends December CIK 0001881592
$14.26 +0.00% Close, 1 Oct 2026
Alert on the numbers Alert on insider trades
Price $14.26 +57.57% Close, 1 Oct 2026

Closing prices at the end of each trading day, from 19 Jan 2022. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2020Revenue0.3Net income−0.1Fiscal year 2021Revenue0.3 +13.3%Net income−0.1Fiscal year 2022Revenue0.3 +0.7%Net income0.0Fiscal year 2023Revenue0.3 −7.2%Net income−4.0 −14,755.6%Fiscal year 2024Revenue0.3 −5.2%Net income−0.8Fiscal year 2025Revenue0.3 −1.6%Net income−0.4
FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.3 0.3 0.3 0.3 0.3 0.3
Growth +13.3% +0.7% −7.2% −5.2% −1.6%
Net income −0.1 −0.1 0.0 −4.0 −0.8 −0.4
Growth −14,755.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2020Net margin−43.9%Free cash flow margin−283.9%Fiscal year 2021Net margin−19.0%Free cash flow margin453.3%Fiscal year 2022Net margin9.3%Free cash flow margin953.3%Fiscal year 2023Net margin−1,465.6%Free cash flow margin−31.5%Fiscal year 2024Net margin−308.2%Free cash flow margin3,560.2%Fiscal year 2025Net margin−153.2%Free cash flow margin1,566.7%
FY2020FY2021FY2022FY2023FY2024FY2025
Net margin −43.9% −19.0% 9.3% −1,465.6% −308.2% −153.2%
Free cash flow margin −283.9% 453.3% 953.3% −31.5% 3,560.2% 1,566.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2020Operating cash flow−0.6Capital expenditure−0.1Free cash flow−0.7Fiscal year 2021Operating cash flow1.5Capital expenditure−0.1Free cash flow1.3Fiscal year 2022Operating cash flow3.0Capital expenditure−0.2Free cash flow2.8 +111.8%Buybacks0.0Fiscal year 2023Operating cash flow0.4Capital expenditure−0.5Free cash flow−0.1 −103.1%Buybacks−2.4Fiscal year 2024Operating cash flow9.4Capital expenditure−0.3Free cash flow9.1Buybacks−1.0Fiscal year 2025Operating cash flow4.1Capital expenditure−0.1Free cash flow3.9 −56.7%Buybacks0.0
FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −0.6 1.5 3.0 0.4 9.4 4.1
Capital expenditure −0.1 −0.1 −0.2 −0.5 −0.3 −0.1
Free cash flow −0.7 1.3 2.8 −0.1 9.1 3.9
Growth +111.8% −103.1% −56.7%
Buybacks n/a n/a 0.0 −2.4 −1.0 0.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2020Cash31.9Shareholders’ equity46.7Fiscal year 2021Cash121.6Shareholders’ equity45.2Fiscal year 2022Cash13.1Shareholders’ equity80.5Fiscal year 2023Cash31.4Shareholders’ equity77.5Fiscal year 2024Cash53.5Shareholders’ equity76.5Fiscal year 2025Cash34.0Shareholders’ equity80.0
FY2020FY2021FY2022FY2023FY2024FY2025
Cash 31.9 121.6 13.1 31.4 53.5 34.0
Shareholders’ equity 46.7 45.2 80.5 77.5 76.5 80.0

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
0.3 0.3 0.3 0.3 0.3 0.3
Growth +13.3% +0.7% −7.2% −5.2% −1.6%
−0.6 −0.3 0.2 −3.0 −0.8 −0.4
−0.5 −0.2 0.1 1.0 0.0 0.0
−0.1 −0.1 0.0 −4.0 −0.8 −0.4
Growth −14,755.6%
Per share
n/a n/a 0.01 −0.79 −0.16 −0.08
n/a n/a 4.7 5.0 4.9 4.9

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue shrank 0.2% a year over five years.
  • A net loss in 5 of 6 years on file.