NSTS Bancorp, Inc. (NSTS) Stock Score, Valuation & Financial Research
NSTS Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 29/100.
Quick answer for NSTS
NSTS Bancorp, Inc. currently has a Wall Street Score of 29/100. The stored market price is $14.06. Its financial score is 30/100. Its valuation score is 0/100. These figures are a research snapshot, not a buy or sell recommendation.
What NSTS Bancorp, Inc. does
NSTS Bancorp, Inc. functions as the parent entity for North Shore Trust and Savings, a financial institution that offers a comprehensive suite of banking products and services across Illinois. The company provides various deposit vehicles, including checking, money market, savings, and time deposit accounts. For lending needs, it extends financing options such as one-to-four family residential mortgages, multi-family and commercial real estate loans, construction funding, home equity lines, and diverse consumer loans. Its operational footprint includes a main banking facility in Waukegan, Illinois, alongside two full-service retail branches situated in Waukegan and Lindenhurst, Illinois, and a specialized loan production office in Chicago, Illinois. Founded in 1921, NSTS Bancorp, Inc. is headquartered in Waukegan, Illinois.
NSTS financial snapshot
- Wall Street Score:
- 29/100
- Current price:
- $14.06
- Market capitalization:
- $74.0M
- Revenue:
- $13.3M
- Net income:
- $-97K
- Free cash flow:
- $3.9M
- Cash:
- $44.4M
- Total debt:
- $28.4M
- EPS:
- -0.08
- Financial score:
- 30/100
- Valuation score:
- 0/100
- Revenue score:
- 22/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $3.9M, showing positive cash generation.
- The balance sheet shows $44.4M of cash versus $28.4M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 0/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 30/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research NSTS
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.