What is the 13F Pro Quality Score for NSTS?

13F Pro ranks NSTS Bancorp, Inc. (NSTS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View NSTS's current score at https://13fpro.ai/research/NSTS (free sign-up required for the full ranking).

Where does 13F Pro source NSTS data?

All NSTS Bancorp, Inc. fundamentals and ownership data come directly from SEC EDGAR. NSTS Bancorp, Inc. files with the SEC under CIK 1881592. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is NSTS in?

NSTS Bancorp, Inc. (NSTS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is NSTS research updated on 13F Pro?

NSTS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

NSTS Bancorp, Inc.(NSTS)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaq

Institutional-grade research for retail investors

SEC EDGAR: CIK 1881592 NSTS stock profile & AI dashboard →

13F Pro Quality Score

30.0/100

Rank #2,373 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

23.2/100

Profitability

5.2/100

Balance Sheet

35.0/100

Earnings Quality

30.0/100

Free Cash Flow

99.5/100

Institutional Flow

50.6/100

Revenue Scale

0.2/100

Dilution Risk

1.5/100

NSTS Stock Analysis & AI Quality Score

AI stock analysis and institutional research for NSTS Bancorp, Inc. (NSTS), a Financials sector company. 13F Pro's AI-powered ranking engine scores NSTS at 30.0/100 on a 32-signal composite quality model, placing it at rank #2,373 of 2,879 stocks — the bottom half of the AI-ranked universe. NSTS scores in the top quartile across free cash flow (99.5). Areas of concern include revenue scale (0.2) and profitability (5.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 1.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), NSTS Bancorp, Inc. reports quarterly revenue of $2.5M, net income of $-39.0K, an operating margin of -1.6%. Top institutional holders of NSTS by reported 13-F value include ALLIANCEBERNSTEIN L.P., VANGUARD CAPITAL MANAGEMENT, GRAHAM CAPITAL WEALTH MANAGEMENT,, based on the most recent SEC filings. NSTS trades on the Nasdaq exchange and files with the SEC under CIK 1881592. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NSTS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for NSTS Bancorp, Inc. directly from SEC EDGAR. NSTS Bancorp, Inc.'s 13F Pro composite quality score has ranged between 13 and 57 since 2022, currently 30.0 — a declining long-term trajectory across 23 quarterly and live scoring snapshots.

✦

Fun facts about NSTS Bancorp, Inc.

Quirks, history, and lore behind NSTS — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · headquartered in Illinois · serving a local retail and commercial customer base · listed on Nasdaq.
2
The Numbers
A micro-cap institution with total assets well under $500 million — the kind of bank where the branch manager probably knows your name.
3
The History
Rooted in the northern Illinois / Lake County region, it has operated as a savings bank serving its community for decades before converting to a publicly traded holding company structure.
4
The Secret
Like many small thrifts, its bread and butter is residential mortgage lending and deposit-taking — no exotic trading desks, no investment banking, just old-fashioned banking.
5
The Lore
It trades under a four-letter ticker that starts with 'N' — and with a market cap that fits comfortably in a small-town parking lot, it's about as under-the-radar as a public company gets.
6
The Giveaway
Based in Waukegan, Illinois, this tiny North Shore Community Bancorp-style thrift trades on Nasdaq under a ticker that is essentially just its initials twice.

▶ Think you know your stocks? Play the Daily Ticker

Revenue

Q1 2026

$2.5M

Net Income

Q1 2026

$-39.0K

Free Cash Flow

Q1 2026

$5.5M

Operating Margin

Q1 2026

-1.6%

ROIC

Q1 2026

-0.1%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-1.6% YoY

$252.0KFY 2025

FY22 $291.0KFY23 $270.0KFY24 $256.0KFY25 $252.0K

Net Income

+51.1% YoY

$-386.0KFY 2025

FY22 $27.0KFY23 $-4.0MFY24 $-789.0KFY25 $-386.0K

Total Assets

-4.3% YoY

$266.6MFY 2025

FY22 $264.2MFY23 $256.8MFY24 $278.7MFY25 $266.6M

Op. Cash Flow

-57.0% YoY

$4.1MFY 2025

FY22 $3.0MFY23 $431.0KFY24 $9.4MFY25 $4.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$252.0K -1.6%	$256.0K -5.2%	$270.0K -7.2%	$291.0K +0.7%	$289.0K +13.3%	$255.0K
Net Income	$-386.0K +51.1%	$-789.0K +80.1%	$-4.0M -14755.6%	$27.0K +149.1%	$-55.0K +50.9%	$-112.0K
Total Assets	$266.6M -4.3%	$278.7M +8.5%	$256.8M -2.8%	$264.2M -22.5%	$340.9M +40.7%	$242.2M
Operating Cash Flow	$4.1M -57.0%	$9.4M +2088.6%	$431.0K -85.6%	$3.0M +105.9%	$1.5M +334.2%	$-620.0K

AI Insight: NSTS Financial Trends

NSTS shows minimal financial activity with near-zero revenue and net income; equity has stabilized around $80M since Q4 2025.

• Operating cash flow improved to $6M in Q1 2026, up from $-3M in Q1 2025, marking sequential recovery.

• Equity base grew modestly from $76M (Q2 2024) to $80M (Q1 2026), reflecting modest capital accumulation.

⚠ Company reports $0M revenue and near-zero net income across all periods; operational scale or business status unclear.

⚠ Operating cash flow remains highly volatile, ranging $-3M to $9M; sustainability of positive $6M Q1 2026 level uncertain.

AI Insight: NSTS Ratio Trends

NSTS swung sharply negative in Q1 2026 after profitability briefly returned in Q3–Q4 2025, signaling structural or cyclical stress.

• Operating margin collapsed to -66.1% in Q1 2026 from 98.5% in Q3 2025, erasing prior-quarter gains.

• ROE and ROA turned negative again in Q1 2026 (-0.2% and -0.1%) after reaching 0.7% and 0.2% in Q4 2025.

• TTM profitability remains deeply negative at -38.5% operating margin, reflecting persistent losses across rolling twelve months.

⚠ Volatility in quarterly profitability (98.5% margin to -66.1% in two quarters) suggests lumpy one-offs or unstable core operations.

⚠ Sustained negative return metrics (ROE, ROA, ROIC near zero or negative) indicate capital is not generating economic value.

Get alerted when NSTS's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for NSTS Bancorp, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of NSTS

ALLIANCEBERNSTEIN L.P.
$6.7M516,461 sh
VANGUARD CAPITAL MANAGEMENT LLC
$2.2M189,943 sh
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC
$1.2M100,842 sh
RAFFLES ASSOCIATES LP
$1.1M93,774 sh
Focus Partners Wealth
$708.1K60,733 sh
Creative Planning
$524.7K45,000 sh
GEODE CAPITAL MANAGEMENT, LLC
$523.4K44,876 sh
ROBERTS GLORE & CO INC /IL/
$425.5K36,496 sh
VANGUARD FIDUCIARY TRUST CO
$326.7K28,021 sh
NORTHERN TRUST CORP
$246.9K21,179 sh

Fund	Value	Shares
ALLIANCEBERNSTEIN L.P.	$6.7M	516,461
VANGUARD CAPITAL MANAGEMENT LLC	$2.2M	189,943
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC	$1.2M	100,842
RAFFLES ASSOCIATES LP	$1.1M	93,774
Focus Partners Wealth	$708.1K	60,733
Creative Planning	$524.7K	45,000
GEODE CAPITAL MANAGEMENT, LLC	$523.4K	44,876
ROBERTS GLORE & CO INC /IL/	$425.5K	36,496
VANGUARD FIDUCIARY TRUST CO	$326.7K	28,021
NORTHERN TRUST CORP	$246.9K	21,179

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put NSTS on your watchlist

Track score changes the day NSTS Bancorp, Inc. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is NSTS a good stock to buy?

13F Pro's AI-powered analysis of NSTS Bancorp, Inc. (NSTS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NSTS are available on the NSTS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own NSTS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NSTS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of NSTS Bancorp, Inc.'s investment landscape.