Stocktoria
NSTS Bancorp, Inc. NSTS
NSTS Bancorp, Inc. (NSTS) earns a Piotroski F-score of 4/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $252,000 at a -153.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| NSTS | NSTS Bancorp, Inc. | 4/9 | — | — | — |
| BYFC | BROADWAY FINANCIAL CORP DE | 4/9 | — | — | — |
| FDSB | Fifth District Bancorp, Inc. | 4/9 | — | 20.8 | — |
| HFBL | Home Federal Bancorp, Inc. of Louisiana | 6/9 | — | 16.5 | — |
| GBNY | Generations Bancorp NY, Inc. | 3/9 | — | — | — |
| CARV | CARVER BANCORP INC | 3/9 | — | — | — |
| NFBK | Northfield Bancorp, Inc. | 5/9 | — | 786.5 | — |
All Finance, Insurance & Real Estate companies →
About NSTS Bancorp, Inc.
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 mortgages, multifamily and commercial real estate mortgages, construction, consumer loans, other collateral and unsecured personal loans. It also provides online banking services. The company operates through full-service banking offices in Lake County, Illinois; and three loan production offices in Chicago, Plainfield, and Aurora. NSTS Bancorp, Inc. was founded in 1921 and is headquartered in Waukegan, Illinois.
FAQ
Is NSTS financially healthy?
NSTS Bancorp, Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does NSTS pay a dividend?
No, NSTS Bancorp, Inc. does not currently pay a dividend.
How profitable is NSTS?
In FY2025, NSTS Bancorp, Inc. had a net margin of -153.2% and a return on equity of -0.5%.
Is NSTS a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on NSTS Bancorp, Inc.: a Piotroski F-score of 4/9. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.