Stocktoria
NSTS Bancorp, Inc. NSTS
Nasdaq · XNAS · stock · Savings Institution, Federally Chartered · website · IPO 2022-01-19
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $252,000 | $256,000 | $270,000 | $291,000 | $289,000 |
| Net income | -$386,000 | -$789,000 | -$4.0M | $27,000 | -$55,000 |
| Operating cash flow | $4.1M | $9.4M | $431,000 | $3.0M | $1.5M |
| Free cash flow | $3.9M | $9.1M | -$85,000 | $2.8M | $1.3M |
| Total assets | $266.6M | $278.7M | $256.8M | $264.2M | $340.9M |
| Total liabilities | $186.7M | $202.2M | $179.2M | $183.7M | $295.7M |
| Shareholders' equity | $80.0M | $76.5M | $77.5M | $80.5M | $45.2M |
| Ratios | |||||
| Net margin | -153.2% | -308.2% | -1465.6% | 9.3% | -19.0% |
| FCF margin | 1566.7% | 3560.2% | -31.5% | 953.3% | 453.3% |
| Return on assets | -0.1% | -0.3% | -1.5% | 0.0% | -0.0% |
| Return on equity | -0.5% | -1.0% | -5.1% | 0.0% | -0.1% |
| Revenue growth | -1.6% | -5.2% | -7.2% | 0.7% | 13.3% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 17,500 | $204,050 |
Why these scores methodology →
Piotroski F-score: 4/9
- 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
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001881592 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.