NSTS Bancorp Net Income
| NSTS Stock | USD 12.21 0.04 0.33% |
As of the 14th of February 2026, NSTS Bancorp secures the Market Risk Adjusted Performance of (2.72), risk adjusted performance of 0.1127, and Mean Deviation of 0.7994. Concerning fundamental indicators, the technical analysis model lets you check available technical drivers of NSTS Bancorp, as well as the relationship between them. Please verify NSTS Bancorp information ratio and downside variance to decide if NSTS Bancorp is priced favorably, providing market reflects its recent price of 12.21 per share. Given that NSTS Bancorp has jensen alpha of 0.1589, we recommend you to check NSTS Bancorp's last-minute market performance to make sure the company can sustain itself next year.
NSTS Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 9.1225 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Loss | -710.1 K | -674.6 K | |
| Net Loss | -49.5 K | -47 K | |
| Net Loss | -710.1 K | -745.6 K | |
| Net Loss | (0.18) | (0.19) | |
| Net Income Per E B T | 1.20 | 1.26 |
NSTS | Net Income | Build AI portfolio with NSTS Stock |
The evolution of Net Income for NSTS Bancorp provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how NSTS Bancorp compares to historical norms and industry peers.
Latest NSTS Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of NSTS Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in NSTS Bancorp financial statement analysis. It represents the amount of money remaining after all of NSTS Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is NSTS Bancorp's Net Loss historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in NSTS Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported (789 K) | 10 Years Trend |
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Net Income |
| Timeline |
NSTS Net Income Regression Statistics
| Arithmetic Mean | (129,623) | |
| Geometric Mean | 367,394 | |
| Coefficient Of Variation | (835.88) | |
| Mean Deviation | 668,613 | |
| Median | 413,811 | |
| Standard Deviation | 1,083,501 | |
| Sample Variance | 1.2T | |
| Range | 4.4M | |
| R-Value | (0.57) | |
| Mean Square Error | 840.2B | |
| R-Squared | 0.33 | |
| Significance | 0.02 | |
| Slope | (123,086) | |
| Total Sum of Squares | 18.8T |
NSTS Net Income History
Other Fundumenentals of NSTS Bancorp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
NSTS Bancorp Net Income component correlations
NSTS Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for NSTS Bancorp is extremely important. It helps to project a fair market value of NSTS Stock properly, considering its historical fundamentals such as Net Income. Since NSTS Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of NSTS Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of NSTS Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will NSTS introduce new products? Factors like these will boost the valuation of NSTS Bancorp. Anticipated expansion of NSTS directly elevates investor willingness to pay premium valuations. Understanding fair value requires weighing current performance against future potential. All the valuation information about NSTS Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Earnings Share (0.12) | Revenue Per Share | Quarterly Revenue Growth 0.146 | Return On Assets | Return On Equity |
The market value of NSTS Bancorp is measured differently than its book value, which is the value of NSTS that is recorded on the company's balance sheet. Investors also form their own opinion of NSTS Bancorp's value that differs from its market value or its book value, called intrinsic value, which is NSTS Bancorp's true underlying value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Because NSTS Bancorp's market value can be influenced by many factors that don't directly affect NSTS Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between NSTS Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding NSTS Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, NSTS Bancorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
NSTS Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to NSTS Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of NSTS Bancorp.
| 11/16/2025 |
| 02/14/2026 |
If you would invest 0.00 in NSTS Bancorp on November 16, 2025 and sell it all today you would earn a total of 0.00 from holding NSTS Bancorp or generate 0.0% return on investment in NSTS Bancorp over 90 days. NSTS Bancorp is related to or competes with Broadway Financial, First Seacoast, Catalyst Bancorp, Meta Financial, AmeriServ Financial, Home Federal, and OptimumBank Holdings. NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides bankin... More
NSTS Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure NSTS Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess NSTS Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 0.9964 | |||
| Information Ratio | 0.0782 | |||
| Maximum Drawdown | 8.07 | |||
| Value At Risk | (1.65) | |||
| Potential Upside | 2.0 |
NSTS Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for NSTS Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as NSTS Bancorp's standard deviation. In reality, there are many statistical measures that can use NSTS Bancorp historical prices to predict the future NSTS Bancorp's volatility.| Risk Adjusted Performance | 0.1127 | |||
| Jensen Alpha | 0.1589 | |||
| Total Risk Alpha | 0.0648 | |||
| Sortino Ratio | 0.0959 | |||
| Treynor Ratio | (2.73) |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of NSTS Bancorp's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
NSTS Bancorp February 14, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1127 | |||
| Market Risk Adjusted Performance | (2.72) | |||
| Mean Deviation | 0.7994 | |||
| Semi Deviation | 0.7449 | |||
| Downside Deviation | 0.9964 | |||
| Coefficient Of Variation | 738.05 | |||
| Standard Deviation | 1.22 | |||
| Variance | 1.49 | |||
| Information Ratio | 0.0782 | |||
| Jensen Alpha | 0.1589 | |||
| Total Risk Alpha | 0.0648 | |||
| Sortino Ratio | 0.0959 | |||
| Treynor Ratio | (2.73) | |||
| Maximum Drawdown | 8.07 | |||
| Value At Risk | (1.65) | |||
| Potential Upside | 2.0 | |||
| Downside Variance | 0.9928 | |||
| Semi Variance | 0.5549 | |||
| Expected Short fall | (1.04) | |||
| Skewness | 1.48 | |||
| Kurtosis | 5.92 |
NSTS Bancorp Backtested Returns
Currently, NSTS Bancorp is not too volatile. NSTS Bancorp has Sharpe Ratio of 0.13, which conveys that the firm had a 0.13 % return per unit of standard deviation over the last 3 months. We have found twenty-six technical indicators for NSTS Bancorp, which you can use to evaluate the volatility of the firm. Please verify NSTS Bancorp's Mean Deviation of 0.7994, risk adjusted performance of 0.1127, and Market Risk Adjusted Performance of (2.72) to check out if the risk estimate we provide is consistent with the expected return of 0.16%. NSTS Bancorp has a performance score of 10 on a scale of 0 to 100. The company secures a Beta (Market Risk) of -0.057, which conveys not very significant fluctuations relative to the market. As returns on the market increase, returns on owning NSTS Bancorp are expected to decrease at a much lower rate. During the bear market, NSTS Bancorp is likely to outperform the market. NSTS Bancorp presently secures a risk of 1.26%. Please verify NSTS Bancorp total risk alpha, downside variance, as well as the relationship between the Downside Variance and day median price , to decide if NSTS Bancorp will be following its current price movements.
Auto-correlation | -0.81 |
Excellent reverse predictability
NSTS Bancorp has excellent reverse predictability. Overlapping area represents the amount of predictability between NSTS Bancorp time series from 16th of November 2025 to 31st of December 2025 and 31st of December 2025 to 14th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of NSTS Bancorp price movement. The serial correlation of -0.81 indicates that around 81.0% of current NSTS Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.81 | |
| Spearman Rank Test | -0.82 | |
| Residual Average | 0.0 | |
| Price Variance | 0.04 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
NSTS Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, NSTS Bancorp reported net income of (789,000). This is 100.06% lower than that of the Banks sector and significantly lower than that of the Financials industry. The net income for all United States stocks is 100.14% higher than that of the company.
NSTS Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses NSTS Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of NSTS Bancorp could also be used in its relative valuation, which is a method of valuing NSTS Bancorp by comparing valuation metrics of similar companies.NSTS Bancorp is currently under evaluation in net income category among its peers.
NSTS Bancorp Current Valuation Drivers
We derive many important indicators used in calculating different scores of NSTS Bancorp from analyzing NSTS Bancorp's financial statements. These drivers represent accounts that assess NSTS Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of NSTS Bancorp's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Enterprise Value | 64.9M | 61.9M | 47.0M | 34.8M | 40.0M | 54.6M |
NSTS Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, NSTS Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to NSTS Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
NSTS Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in NSTS Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of NSTS Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing NSTS Bancorp's value.| Shares | Blackrock Inc | 2025-06-30 | 11.6 K | State Street Corp | 2025-06-30 | 11.2 K | Fny Investment Advisers, Llc | 2025-06-30 | 800 | Scarborough Advisors, Llc | 2025-06-30 | 150 | Bank Of America Corp | 2025-06-30 | 46.0 | Capital Advisors, Ltd. Llc | 2025-06-30 | 30.0 | Tower Research Capital Llc | 2025-03-31 | 0.0 | Ubs Group Ag | 2025-03-31 | 0.0 | Alliancebernstein L.p. | 2025-06-30 | 515.3 K | Vanguard Group Inc | 2025-06-30 | 248.3 K | Raffles Associates Lp | 2025-06-30 | 93.8 K |
NSTS Fundamentals
| Return On Equity | -0.0072 | ||||
| Return On Asset | -0.0021 | ||||
| Profit Margin | (0.06) % | ||||
| Operating Margin | 0.03 % | ||||
| Current Valuation | 24.49 M | ||||
| Shares Outstanding | 4.89 M | ||||
| Shares Owned By Insiders | 14.17 % | ||||
| Shares Owned By Institutions | 22.53 % | ||||
| Number Of Shares Shorted | 5.36 K | ||||
| Price To Book | 0.76 X | ||||
| Price To Sales | 6.13 X | ||||
| Revenue | 12.03 M | ||||
| Gross Profit | 9.76 M | ||||
| EBITDA | (496 K) | ||||
| Net Income | (789 K) | ||||
| Cash And Equivalents | 36.79 M | ||||
| Cash Per Share | 6.82 X | ||||
| Total Debt | 31.83 M | ||||
| Book Value Per Share | 16.15 X | ||||
| Cash Flow From Operations | 9.43 M | ||||
| Short Ratio | 2.75 X | ||||
| Earnings Per Share | (0.12) X | ||||
| Number Of Employees | 50 | ||||
| Beta | 0.11 | ||||
| Market Capitalization | 59.87 M | ||||
| Total Asset | 278.69 M | ||||
| Retained Earnings | 40.27 M | ||||
| Net Asset | 278.69 M |
About NSTS Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze NSTS Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of NSTS Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of NSTS Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Tools for NSTS Stock Analysis
When running NSTS Bancorp's price analysis, check to measure NSTS Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy NSTS Bancorp is operating at the current time. Most of NSTS Bancorp's value examination focuses on studying past and present price action to predict the probability of NSTS Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move NSTS Bancorp's price. Additionally, you may evaluate how the addition of NSTS Bancorp to your portfolios can decrease your overall portfolio volatility.