FinancialsNasdaqsmall
Institutional-grade research for retail investors
SEC EDGAR: CIK 1881592NSTS stock profile & AI dashboard →

13F Pro Quality Score

42.6/100

Rank #2,009 of 2,962 stocks

View Financials peers →

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

Revenue Growth

77.6/100

Profitability

48.3/100

Balance Sheet

34.4/100

Earnings Quality

96.7/100

Free Cash Flow

99.5/100

Institutional Flow

51.3/100

Revenue Scale

2.3/100

Dilution Risk

1.5/100
Email me the moment this company reports earnings
AI Research Report
Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.
Upgrade to Pro
Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

NSTS Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 42.6/100 on a 32-signal composite quality model, placing it at rank #2,009 of 2,962 stocks — the bottom half of the AI-ranked universe. NSTS scores in the top quartile across free cash flow (99.5), earnings quality (96.7), revenue growth (77.6). Areas of concern include revenue scale (2.3) and balance sheet strength (34.4), 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 (Q2 2026), NSTS Bancorp, Inc. reports quarterly revenue of $3.2M, net income of $-204.0K, an operating margin of -6.3%. 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 42.6 — an improving long-term trajectory across 63 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

Q2 2026

$3.2M

Net Income

Q2 2026

$-204.0K

Free Cash Flow

Q2 2026

$2.9M

Operating Margin

Q2 2026

-6.3%

ROIC

Q2 2026

-1.0%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+8.1% YoY
$9.7MFY 2025
FY22 $6.8MFY23 $5.1MFY24 $9.0MFY25 $9.7M

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

Free Cash Flow

-56.7% YoY
$3.9MFY 2025
FY22 $2.8MFY23 $-85.0KFY24 $9.1MFY25 $3.9M

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

Companies Similar to NSTS

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

AFBI

Affinity Bancshares, Inc.

50
AI score
Very similar · 4 shared holders
FSEA

First Seacoast Bancorp, Inc.

29
AI score
Shared smart-money ownership · 3 shared holders
CLST

Catalyst Bancorp, Inc.

52
AI score
Shared smart-money ownership · 2 shared holders
PROV

PROVIDENT FINANCIAL HOLDINGS INC

35
AI score
Similar quality profile · 1 shared holders
STEL

Stellar Bancorp, Inc.

38
AI score
Similar quality profile · 3 shared holders
BMRC

Bank of Marin Bancorp

19
AI score
Similar quality profile
JSM

NAVIENT CORP

21
AI score
Similar quality profile
CCB

COASTAL FINANCIAL CORP

37
AI score
Similar quality profile · 1 shared holders

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

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

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. NSTS is classified as a small company.

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.