Stocks · Financial Services · Banks - Regional
NSTS Bancorp, Inc. NSTS
$14.26 +0.49% Close, Sep 30, 2026 · NASDAQ · Market cap $75.0M
Strong growthStrong trend
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 108.1× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 119 trading days, with the 50-day average above the 200-day.
- Operating margin widened to -0.3% from -6.3% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 43%
- FCF growth (TTM, YoY)Top 25%
- Revenue growth, 3-year CAGRTop 28%
- Revenue growth accelerationTop 35%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 32%
- Gross marginTop 18%
- Operating marginBottom 10%
- Accruals (lower is better)Top 15%
- Net debt / EBITDA (lower is better)Bottom 1%
- Interest coverBottom 11%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 13%
- Free-cash-flow yieldTop 15%
- EBITDA / enterprise valueBottom 25%
- Sales / enterprise valueBottom 16%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 34%
- 6-month returnTop 17%
- 1-year return vs S&P 500Top 26%
- Distance from 52-week highTop 4%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 15%
- Maximum drawdown, 3 yearsTop 25%
- Beta vs S&P 500 (lower is better)Top 2%
- Net debt / EBITDA (lower is better)Bottom 1%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.6% | 8.9% | ↑ |
| Gross margin | 71.8% | 79.0% | ↑ |
| Operating margin | -6.3% | -0.3% | ↑ |
| FCF margin | 68.1% | 103.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 8.9% | 7.6% | ↑ | Top 43% |
| Gross margin | 79.0% | 71.8% | ↑ | Top 18% |
| Operating margin | -0.3% | -6.3% | ↑ | Bottom 10% |
| Net margin | -0.3% | -6.3% | ↑ | — |
| Free-cash-flow margin | 103.8% | 68.1% | ↑ | — |
| Return on invested capital | 0.1% | — | Bottom 32% | |
| Revenue growth, 3-year CAGR | 20.9% | — | Top 28% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -5.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 8.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -5.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 108.08×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -0.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 0.00%
- Share count change, 1 year
- +0.7%
- Share count change, 3-year CAGR
- -0.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.8%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 13, 2026 | — | +0.0% | +0.6% | +2.2% | — |
| May 14, 2026 | — | +0.1% | +0.1% | +0.7% | +1.2% |
| Mar 27, 2026 | — | -1.7% | -1.2% | +6.4% | +16.4% |
| Nov 13, 2025 | — | +0.0% | +1.5% | +6.7% | +12.6% |
| Aug 14, 2025 | — | -0.7% | -0.3% | -1.1% | -7.2% |
| May 14, 2025 | — | -0.7% | +0.3% | +5.3% | +3.5% |
| Mar 28, 2025 | — | -3.3% | +0.8% | +4.2% | +8.4% |
| Aug 9, 2024 | — | +0.0% | -1.9% | -4.8% | +9.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 13, 2026 | -$0.04 | — | — | $4.0M |
| May 14, 2026 | -$0.01 | — | — | $3.2M |
| Mar 27, 2026 | $0.03 | — | — | $3.3M |
| Nov 13, 2025 | $0.01 | — | — | $3.3M |
| Aug 14, 2025 | -$0.05 | — | — | $3.4M |
| May 14, 2025 | -$0.07 | — | — | $3.0M |
| Mar 28, 2025 | -$0.01 | — | — | $3.3M |
| Aug 9, 2024 | -$0.07 | — | — | $3.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| EV / EBITDA | 400.0× | — | — | Bottom 25% |
| EV / Sales | 7.41× | — | — | Bottom 16% |
| Free-cash-flow yield | 19.18% | — | — | Top 15% |
| Earnings yield | -0.05% | — | — | Bottom 13% |
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 117
- Days above the 200-day average
- 119
- 50-day average slope (20 days)
- +0.9%
- 200-day average slope (20 days)
- +2.2%
- Distance from 50-day average
- +2.1%
- Distance from 200-day average
- +9.1%
- RSI (14)
- 73.3
- Relative volume
- 6.14×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 3.6%
- Volatility vs own 5-year history
- 3th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- -0.04
- Correlation with S&P 500
- -0.03
- Current drawdown from 1-year high
- +0.0%
- Maximum drawdown, 3 years
- -18.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 19, 2022 | May 11, 2023 | -34.0% | 329 days | 421 days (Feb 4, 2025) |
| Feb 7, 2025 | Oct 22, 2025 | -18.4% | 177 days | 139 days (May 13, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $75.0M
- EPS, diluted (TTM)
- -$0.01
- Revenue (TTM)
- $13.9M
- 52-week range
- $10.72 – $14.28
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $6.1M | $7.5M | $6.5M | $12.0M | $13.3M |
| Gross profit | $5.2M | $7.0M | $4.8M | $8.7M | $9.9M |
| Operating income | -$269,000 | $173,000 | -$3.0M | -$789,000 | -$386,000 |
| Net income | -$55,000 | $27,000 | -$4.0M | -$789,000 | -$386,000 |
| EPS (diluted) | -$0.01 | $0.01 | -$0.79 | -$0.16 | -$0.08 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.0M | $3.3M | $3.0M | $3.4M | $3.3M | $3.3M | $3.2M | $4.0M |
| Net income | -$171,000 | -$46,000 | -$328,000 | -$258,000 | $65,000 | $135,000 | -$39,000 | -$204,000 |
| EPS (diluted) | -$0.03 | -$0.01 | -$0.07 | -$0.05 | $0.01 | $0.03 | -$0.01 | -$0.04 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.5M | $3.0M | $431,000 | $9.4M | $4.1M |
| Capital expenditure | -$142,000 | -$215,000 | -$516,000 | -$319,000 | -$104,000 |
| Free cash flow | $1.3M | $2.8M | -$85,000 | $9.1M | $3.9M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $49.4M | -$2.4M | -$1.1M | $101,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $75.7M
- Total assets
- $269.9M
- Total liabilities
- $189.8M
- Total debt
- $28.9M
- Net debt
- $27.8M
- Shareholders’ equity
- $80.1M
As of Jun 30, 2026 (filed Aug 13, 2026).
Short interest
- Shares sold short
- 6,468
- Days to cover
- 1.00
- Change vs previous report
- -10.1%
FINRA short interest, settlement date Sep 15, 2026.