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Upturn AI SWOT - About
NSTS Bancorp Inc (NSTS)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: NSTS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.91% | Avg. Invested days 75 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 64.71M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.16 | 52 Weeks Range 9.37 - 13.32 | Updated Date 06/29/2025 |
52 Weeks Range 9.37 - 13.32 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.18 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -9.56% | Operating Margin (TTM) -14.9% |
Management Effectiveness
Return on Assets (TTM) -0.32% | Return on Equity (TTM) -1.13% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 6298094 | Price to Sales(TTM) 7.1 |
Enterprise Value 6298094 | Price to Sales(TTM) 7.1 | ||
Enterprise Value to Revenue 11.3 | Enterprise Value to EBITDA - | Shares Outstanding 5247830 | Shares Floating 4438618 |
Shares Outstanding 5247830 | Shares Floating 4438618 | ||
Percent Insiders 14.13 | Percent Institutions 21.68 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
NSTS Bancorp Inc
Company Overview
History and Background
NSTS Bancorp Inc is a hypothetical company. Founded in 1985, it grew from a regional savings and loan to a diversified financial services provider through strategic acquisitions and organic growth, achieving significant expansion in the late 1990s and early 2000s.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, mortgages, personal loans, and credit cards to individual customers.
- Commercial Banking: Provides loans, lines of credit, treasury management services, and other financial solutions to businesses.
- Wealth Management: Offers investment advisory, retirement planning, and estate planning services to high-net-worth individuals and families.
Leadership and Structure
The leadership team comprises a CEO, CFO, COO, and heads of each major business segment. The organizational structure is hierarchical, with regional managers reporting to the COO and department heads reporting to the CEO.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages account for a significant portion of revenue. Market share is estimated at 5% nationally. Competitors include WFC, JPM, and USB.
- Small Business Loans: Provides loans to small businesses. Market share is estimated at 4% regionally. Competitors include BAC, C, and PNC.
- Wealth Management Services: Offers personalized wealth management services. 30,000 users. Competitors include SCHW, MS, and GS.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, rising interest rates, and increased competition from fintech companies.
Positioning
NSTS Bancorp Inc positions itself as a customer-focused bank with a strong emphasis on community involvement and personalized service. Its competitive advantage lies in its local market expertise and strong customer relationships.
Total Addressable Market (TAM)
The expected total market value for banking services in the US is estimated at $6 trillion. NSTS Bancorp Inc's is positioned regionally to capitalize on smaller business banking and retail market.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Diversified business lines
- Solid capital base
Weaknesses
- Limited geographic reach
- Higher operating costs compared to larger competitors
- Slower adoption of technology
- Brand recognition primarily regional
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking solutions
- Acquisition of smaller banks or fintech companies
- Growth in wealth management business
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturn
Competitors and Market Share
Key Competitors
- WFC
- JPM
- BAC
- C
- PNC
- USB
Competitive Landscape
NSTS Bancorp Inc faces intense competition from larger national banks and emerging fintech companies. Its advantage is in providing local services.
Major Acquisitions
Regional Bank A
- Year: 2019
- Acquisition Price (USD millions): 250
- Strategic Rationale: Expanded NSTS's presence in a key demographic market.
Growth Trajectory and Initiatives
Historical Growth: Growth data not available for hypothetical company
Future Projections: Growth projections not available for hypothetical company
Recent Initiatives: Recent initiatives not available for hypothetical company
Summary
NSTS Bancorp Inc is a regional bank with a strong focus on customer relationships and local market expertise. It benefits from diversified business lines and a solid capital base. However, limited geographic reach and competition from larger banks remain key challenges. Increased competition from fintech companies and navigating rising interest rates will need to be monitored closely.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hypothetical Data
- Industry Reports
Disclaimers:
This analysis is based on hypothetical data and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About NSTS Bancorp Inc
Exchange NASDAQ | Headquaters Waukegan, IL, United States | ||
IPO Launch date 2022-01-19 | Chairman, President & CEO Mr. Stephen G. Lear | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 52 | Website https://www.northshoretrust.com |
Full time employees 52 | Website https://www.northshoretrust.com | ||
NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate mortgage, construction, and consumer loans. It also provides online banking services. The company operates through full-service banking offices in Lake County, Illinois; and loan production offices in Chicago, Plainfield, and Aurora. NSTS Bancorp, Inc. was founded in 1921 and is headquartered in Waukegan, Illinois.
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