Added to YB: 2026-02-25
Pitch date: 2026-02-22
NSTS [neutral]
NSTS Bancorp, Inc.
+0.53%
current return
Author Info
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Company Info
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.
Market Cap
$61.1M
Pitch Price
$12.26
Price Target
N/A
Dividend
N/A
EV/EBITDA
N/A
P/E
-103.81
EV/Sales
N/A
Sector
Banks
Category
value
NSTS Bancorp Stock Analysis
NSTS (pass): Mutual thrift IPO'd 2022, overcapitalized at 24.2% equity/assets vs ideal 8-10%. Strong asset quality: 0.089% NPL/assets, 527% ACL coverage, 91% residential loans. But unprofitable: -$789k TTM, -$1M 2024. Poor NIM at 2.89% (target 3-3.5%), 51% costly time deposits, loan yields 200bps below market. Trades 0.78x BV but negative ROE makes valuation difficult. Too hard pile.
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