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NSTS Bancorp, Inc. ("NSTS" or the "Company", "we" or "our") is a Delaware corporation which was incorporated in September 2021. As a savings and loan holding company, NSTS Bancorp, Inc. is regulated by the Board of Governors of the Federal Reserve System ( Federal Reserve Board ).
$13.81
+$0.02 (+0.15%)
EOD Jul 17, 2026
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue grew 140.0% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$433K
▲ +140.0% YoY
Net Income (TTM)
-$97K
▲ +51.1% YoY
Net Margin
-22.40%
P/E
—
Balance Sheet
Total Assets
$270M
Equity
$80M
Total Debt
$0.00
Cash & Equiv.
$43M
5Y CAGR: +11.7%
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Nsts Bancorp (NSTS) trades below a two-stage DCF intrinsic value of about $125.24 per share, so at $13.81 the stock looks undervalued (806.9% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Nsts Bancorp scores 35/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $125.24 per share for NSTS, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $93.93. At today's $13.81, that puts the stock about 806.9% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Nsts Bancorp scores 35 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. NSTS currently trades below its estimated intrinsic value and scores 35/100 on quality (lower-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.