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NSTS Bancorp Inc (NSTS)
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Upturn Advisory Summary
11/05/2025: NSTS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 10.86% | Avg. Invested days 76 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
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 |
Upturn AI SWOT
NSTS Bancorp Inc
Company Overview
History and Background
As a hypothetical construct, NSTS Bancorp Inc. is assumed to have been founded in 1995, evolving from a small community bank to a regional financial services provider through organic growth and strategic acquisitions. Milestones include expanding its branch network and introducing online banking services.
Core Business Areas
- Retail Banking: Offers traditional banking services such as checking and savings accounts, personal loans, and mortgages to individual customers.
- Commercial Banking: Provides loans, lines of credit, and other financial services to small and medium-sized businesses.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals.
- Mortgage Banking: Focuses on originating, selling, and servicing residential mortgage loans.
Leadership and Structure
The leadership team consists of a CEO, CFO, COO, and heads of each major business segment. The organizational structure is hierarchical, with regional managers reporting to the executive team.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages represent a significant portion of NSTS Bancorp's loan portfolio. Market share is estimated at 3% regionally. Competitors include large national banks and mortgage lenders.
- Small Business Loans: Loans to small businesses form a core part of the commercial banking segment. Regional market share is estimated at 5%. Competitors include other regional banks and credit unions.
- Checking Accounts: NSTB Bank offer different types of checking accounts for different customers. Regional market share is estimated at 7%. Competitors include other regional banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and growing competition from non-bank financial institutions and fintech companies.
Positioning
NSTS Bancorp positions itself as a customer-focused, community-oriented bank offering personalized service and local expertise. Competitive advantages include its strong regional presence and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in NSTS Bancorp's region is estimated at $50 billion. NSTS Bancorp is positioned to capture a larger share of this market through strategic growth initiatives.
Upturn SWOT Analysis
Strengths
- Strong regional brand recognition
- Established customer relationships
- Experienced management team
- Diversified product and service offerings
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on traditional banking channels
- Higher cost structure than fintech competitors
- Relatively small asset base
Opportunities
- Expanding into new geographic markets
- Developing innovative digital banking solutions
- Acquiring smaller community banks
- Increasing cross-selling opportunities
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from fintech companies
- Economic downturn in the region
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
Competitive Landscape
NSTS Bancorp competes with larger national banks and smaller regional banks. Its competitive advantage lies in its strong regional presence and customer relationships, but it faces challenges from larger banks with greater resources and fintech companies with innovative digital solutions.
Major Acquisitions
Community Bank of Anytown
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded NSTS Bancorp's branch network and customer base in a key geographic market.
Growth Trajectory and Initiatives
Historical Growth: Over the past five years, NSTS Bancorp has experienced steady growth in revenue, net income, and assets, driven by organic growth and strategic acquisitions.
Future Projections: Analysts estimate that NSTS Bancorp will continue to grow at a moderate pace, with revenue increasing by 3-5% annually and EPS growing by 4-6% annually.
Recent Initiatives: Recent strategic initiatives include launching a new mobile banking app, expanding into new geographic markets, and investing in technology to improve efficiency and customer service.
Summary
NSTS Bancorp is a stable regional bank with a strong customer base and a history of consistent growth. Its strengths include its regional presence, experienced management team, and diversified product offerings. However, it faces challenges from larger banks, fintech companies, and a changing regulatory environment. NSTS Bancorp needs to focus on innovation and efficiency to maintain its competitive advantage.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Hypothetical financial statements
- Analyst estimates
- Industry reports
Disclaimers:
This analysis is based on hypothetical data and assumptions and should not be considered investment 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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