NSTS

NSTS Bancorp Inc

NSTS.US northshoretrust.com + Research + Basket
CIK 0001881592
Employees 49
Phone 847 336 4430
Fiscal year end December
IPO Jan 19, 2022
Address 700 South Lewis Avenue, Waukegan, IL, United States, 60085
Price N/A
USD · NASDAQ
52-week range
10.97
14.28
Market Cap
74.91M
P/E Ratio
0.00
Forward P/E
0.00
Book Value
16.29
Div. Yield
N/A
% Institutions
25.62%
% Insiders
15.97%

1 Year

+24.8%

3 Year

+61.3%

10 Year

+13.3%
Description

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.

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People

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Directors & Officers

Name Title Year Born
Mr. Stephen G. Lear Chairman, President & CEO 1956
Ms. Carissa H. Schoolcraft Chief Financial Officer 1992
Ms. Amy L. Avakian VP and Chief Lending Officer of North Shore Trust & Savings 1961
Ms. Christine E. Stickler Corporate Secretary NA

Insider Trading

Open insider trading
Date Insider Name Title Transaction Type Shares Price Value SEC
Aug 12, 2024 Thomas M Ivantic N/A Sale 530.00 $10.06 $5.33K SEC

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
AllianceBernstein L.P. 516.46K Jun 30, 2026 9.82% $0.00 0.00%
Vanguard Capital Management, LLC 201.76K Jun 30, 2026 3.83% $0.00 6.22%
Raffles Associates LP 113.18K Jun 30, 2026 2.15% $0.68 20.69%
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC 109.47K Jun 30, 2026 2.08% $1.16 8.55%
Yakira Capital Management, Inc. 93.63K Jun 30, 2026 1.78% $0.37 0.00%
The Colony Group LLC 72.11K Jun 30, 2026 1.37% $0.00 18.74%
Creative Planning Inc 45.00K Jun 30, 2026 0.86% $0.00 0.00%
Geode Capital Management, LLC 37.51K Jun 30, 2026 0.71% $0.00 -16.41%
Roberts Glore & Co Inc 36.50K Jun 30, 2026 0.69% $0.12 0.00%
Renaissance Technologies Corp 30.50K Jun 30, 2026 0.58% $0.00 74.29%
Chicago Capital Management, LLC 29.02K Jun 30, 2026 0.55% $0.27 0.00%
Vanguard Fiduciary Trust Co 28.19K Jun 30, 2026 0.54% $0.00 0.62%
Penderfund Capital Management Ltd 17.83K Jun 30, 2026 0.34% $0.03 0.00%
BlackRock Inc 16.17K Jun 30, 2026 0.31% $0.00 32.97%
Css LLC 15.41K Jun 30, 2026 0.29% $0.01 0.00%
Susquehanna International Group, LLP 14.25K Jun 30, 2026 0.27% $0.00 27.43%
State Street Corp 11.21K Jun 30, 2026 0.21% $0.00 0.00%
Longfellow Invest Mngt CO Ltd Partnershp 10.97K Jun 30, 2026 0.21% $0.03 0.00%
HARBOUR INVESTMENTS, INC. 500.00 Jun 30, 2026 0.01% $0.00 0.00%
Tower Research Capital LLC 131.00 Jun 30, 2026 0.00% $0.00 0.00%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard MStar Total Stk Mkt Idx Invest 146.30K 2.78% ▲ 0.00% Sep 30, 2026
2 Fidelity Extended Market Index 20.82K 0.40% ▼ 0.54% Aug 31, 2026
3 Pender Alternative Arbitrage Plus F 15.66K 0.30% ▲ 0.00% Sep 30, 2026
4 iShares Micro-Cap ETF 14.13K 0.27% ▼ 0.68% Sep 30, 2026
5 Fidelity Total Market Index 7.57K 0.14% ▲ 0.00% Aug 31, 2026
6 Fidelity Series Total Market Index 5.81K 0.11% ▲ 0.00% Aug 31, 2026
7 Vanguard MStar Inst Ttl StkMktIdxInstlPl 4.08K 0.08% ▲ 0.00% Sep 30, 2026
8 Vanguard Balanced Index Inv 2.49K 0.05% ▲ 0.00% Sep 30, 2026
9 Pender Alternative Arbitrage Cl FF 2.36K 0.04% ▲ 0.00% Aug 31, 2026
10 Vanguard U.S. Eq Idx £ Acc 2.27K 0.04% ▲ 0.00% Sep 30, 2026

Financial Highlights

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Market Cap: $74.91M
Book Value: $16.29
Earnings/Share: $-0.01
Profit Margin: -0.39%
Operating Margin: 12.57%
ROA (TTM): -0.02%
ROE (TTM): -0.05%
Revenue (TTM): $11.02M
Revenue/Share (TTM): $2.25
Earnings Growth (YOY): 0.00%
Revenue Growth (YOY): 30.20%

Valuation Metrics

Enterprise Value: $21.86M
Trailing P/E: 0.00
Forward P/E: 0.00

Shares Statistics

Shares Outstanding: 5.25M
Shares Float: 4.51M
% Insiders: 15.97%
% Institutions: 25.62%
Short % Float: 0.13%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$13.27M
Cost of Goods Sold
adjust
$-3.34M
Gross Profit
subtotal
$9.93M
SG&A
adjust
$-6.91M
Other Operating Expense
adjust
$-3.40M
Operating Income
subtotal
$-386.00K
Net Income
subtotal
$-386.00K

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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