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About the company
NSTS Bancorp, Inc. is the stock holding company of North Shore Trust and Savings (the Bank). The Bank is a federally chartered stock savings institution. Its primary business activity includes accepting deposits from the general public and using those funds to originate one to four family residential mortgage loans and purchase investments. The Bank's activities include originating loans for family residential properties, multi-family and non-owner occupied commercial real estate loans, and home equity loans and lines of credit, construction loans, and other consumer loans in the market areas. The Company offers a variety of deposit products consist of checking, both interest-bearing and noninterest-bearing, money market, savings, and time deposit accounts. Its primary sources of funds are deposits, and principal and interest payments on loans and securities. It operates two offices in Waukegan and Lindenhurst, Illinois and one loan production office in Chicago, Illinois.
- Revenue in USD (TTM)8.99m
- Net income in USD-4.57m
- Incorporated2021
- Employees46.00
- LocationNSTS Bancorp Inc700 Lewis Ave.WAUKEGAN 60085United StatesUSA
- Phone+1 (847) 336-4430
- Websitehttps://ir.northshoretrust.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PB Bankshares Inc | 21.96m | 1.61m | 38.95m | 36.00 | 23.00 | 0.8624 | 19.99 | 3.24 | 0.6645 | 0.6645 | 4.98 | 17.72 | -- | -- | -- | -- | 0.3735 | -- | -- | -- | -- | -- | 13.37 | -- | -- | -- | -- | -- | 43.50 | -- | -9.22 | -- | -- | -- |
| Solera National Bancorp Inc | 14.21m | 5.93m | 40.20m | 63.00 | 5.58 | 0.515 | -- | 2.58 | 1.68 | 1.68 | 4.52 | 18.15 | -- | -- | -- | -- | 1.65 | 1.42 | -- | -- | -- | -- | 38.04 | 37.48 | -- | -- | -- | -- | 31.62 | 21.61 | 66.59 | 27.26 | -- | -- |
| Lumbee Guaranty Bank | 13.81m | 1.41m | 40.48m | -- | 30.66 | 1.50 | 21.44 | 3.29 | 0.4076 | 0.4076 | 3.58 | 8.33 | -- | -- | -- | -- | 0.512 | 0.9497 | -- | -- | -- | -- | 11.42 | 25.06 | -- | -- | -- | 19.21 | 20.58 | 6.71 | 20.70 | 13.93 | -- | -- |
| First Resource Bank (Pennsylvania) | 33.37m | 5.89m | 43.56m | -- | 7.39 | 0.8913 | -- | 2.14 | 1.90 | 1.90 | 6.57 | 15.78 | -- | -- | -- | -- | 0.977 | 0.9683 | -- | -- | -- | -- | 28.93 | 26.64 | -- | -- | -- | -- | 42.11 | 17.85 | 5.35 | 22.31 | -33.74 | -- |
| ES Bancshares Inc | 30.21m | 273.00k | 43.71m | 37.00 | 157.37 | 0.9426 | -- | 2.88 | 0.0404 | 0.0404 | 2.24 | 6.74 | -- | -- | -- | -- | 0.0427 | 0.5525 | -- | -- | -- | -- | 1.80 | 16.80 | -- | -- | -- | -- | 32.96 | 13.83 | -71.94 | 10.88 | -26.59 | -- |
| AmeriServ Financial, Inc. | 64.14m | -3.15m | 44.77m | 323.00 | -- | 0.4319 | -- | 0.8718 | -0.1836 | -0.1836 | 3.00 | 6.28 | -- | -- | -- | -- | -0.2288 | 0.3393 | -- | -- | -- | -- | -6.12 | 8.09 | -- | -- | -- | 40.10 | 24.06 | 5.26 | -144.92 | -- | -8.42 | 9.86 |
| Ferrellgas Partners LP | 1.84bn | -25.29m | 47.12m | 4.01k | -- | -- | 0.3502 | 0.0256 | -5.21 | -5.21 | 378.49 | -41.14 | 1.21 | 9.05 | 9.88 | 459,063.70 | 6.72 | 0.9049 | 7.91 | 1.44 | 53.45 | 48.29 | 5.56 | 0.7692 | 1.25 | 2.15 | 1.22 | -- | -4.17 | -0.4544 | 154.19 | -- | 0.9239 | -- |
| NSTS Bancorp Inc | 8.99m | -4.57m | 51.27m | 46.00 | -- | 0.6715 | -- | 8.74 | -0.922 | -0.922 | 1.18 | 14.45 | -- | -- | -- | -- | -1.75 | -- | -- | -- | -- | -- | -77.96 | -- | -- | -- | -- | -- | 21.74 | -- | -14,755.56 | -- | -- | -- |
| Bayfirst Financial Corp | 76.09m | 4.07m | 53.74m | 302.00 | 14.66 | 0.6306 | 4.55 | 0.594 | 0.8869 | 0.8578 | 19.66 | 24.42 | -- | -- | -- | -- | 0.4676 | -- | -- | -- | -- | -- | 5.96 | -- | -- | -- | -- | -- | 77.66 | -- | 6.54 | -- | -- | -- |
| Summit State Bank | 58.81m | 6.04m | 56.10m | 115.00 | 9.17 | 0.5728 | 14.33 | 1.66 | 0.9015 | 0.9015 | 5.04 | 14.44 | -- | -- | -- | -- | 0.5388 | 1.32 | -- | -- | -- | -- | 17.88 | 30.75 | -- | -- | -- | -- | 23.05 | 18.69 | -36.22 | 13.18 | -- | 1.92 |
| Ks Bancorp Inc | 32.50m | 5.97m | 58.16m | 72.00 | 9.74 | 1.34 | -- | 2.43 | 5.39 | 5.39 | 21.56 | 39.29 | -- | -- | -- | -- | 0.9516 | 1.11 | -- | -- | -- | -- | 25.00 | 27.35 | -- | -- | -- | 11.80 | 33.32 | 12.26 | -17.84 | 11.88 | -- | 27.68 |
| Juniata Valley Financial Corp | 35.59m | 6.57m | 58.79m | 122.00 | 8.97 | 1.36 | 8.10 | 2.09 | 1.31 | 1.31 | 5.60 | 8.66 | -- | -- | -- | -- | 0.7688 | 0.8229 | -- | -- | -- | -- | 23.39 | 23.47 | -- | -- | -- | 69.91 | 20.42 | 7.01 | -6.63 | 2.83 | -8.27 | 0.00 |
| Top KingWin Ltd | 5.45m | -2.55m | 59.41m | 145.00 | -- | 0.6468 | -- | 10.89 | -0.1816 | -0.1816 | 0.391 | 0.5020 | 0.7117 | -- | 18.17 | 37,608.55 | -33.25 | -- | -52.20 | -- | 65.84 | -- | -46.72 | -- | -- | -- | 0.00 | -- | 74.65 | -- | -230.23 | -- | -- | -- |
| Potomac Bancshares Inc | 38.84m | 6.54m | 61.22m | 125.00 | 9.39 | -- | -- | 1.89 | 1.57 | 1.57 | 7.81 | -- | -- | -- | -- | -- | -- | 0.8935 | -- | -- | -- | -- | 20.13 | 21.63 | -- | -- | -- | 24.64 | 31.48 | 15.16 | -0.6429 | 16.45 | -38.30 | 6.30 |
| IF Bancorp Inc | 40.98m | 1.79m | 61.56m | 109.00 | 32.26 | 0.8329 | 25.01 | 2.78 | 0.5691 | 0.5691 | 7.02 | 22.04 | -- | -- | -- | -- | 0.2061 | 0.5396 | -- | -- | -- | -- | 8.09 | 17.39 | -- | -- | -- | 25.03 | 27.79 | 8.93 | -61.59 | -12.84 | -25.93 | 9.86 |
| Killbuck Bancshares Inc | 14.68m | 3.03m | 65.04m | 100.00 | 21.50 | 1.41 | 18.71 | 5.10 | 4.93 | 4.93 | 20.74 | 75.06 | -- | -- | -- | -- | 0.701 | 1.00 | -- | -- | -- | -- | 23.77 | 27.10 | -- | -- | -- | 53.53 | -2.28 | -6.17 | -3.52 | -11.25 | -36.53 | -2.71 |
Data as of Sep 20 2024. Currency figures normalised to NSTS Bancorp Inc's reporting currency: US Dollar USD
16.84%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AllianceBernstein LPas of 31 Mar 2024 | 395.26k | 7.44% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 215.03k | 4.05% |
| Raffles Capital Management LLCas of 31 Mar 2024 | 93.81k | 1.77% |
| Creative Planning LLCas of 31 Mar 2024 | 45.00k | 0.85% |
| Relative Value Partners Group LLCas of 31 Mar 2024 | 40.00k | 0.75% |
| Roberts, Glore & Co., Inc.as of 31 Mar 2024 | 36.50k | 0.69% |
| Geode Capital Management LLCas of 30 Jun 2024 | 29.05k | 0.55% |
| Miracle Mile Advisors LLCas of 30 Jun 2024 | 14.50k | 0.27% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Mar 2024 | 13.38k | 0.25% |
| Private Advisor Group LLCas of 30 Jun 2024 | 11.97k | 0.23% |
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Data from 31 Mar 2024 - 30 Jun 2024Source: FactSet Research Systems Inc.
