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NSTS Bancorp, Inc. (NSTS)

USD13.80 +0.01 (+0.07%)
US NASDAQ Financial Services Banks - Regional
Address 700 South Lewis Avenue 60085
Waukegan, IL, US
CEO Stephen G. Lear
IPO 2022-01-19
CIK 1881592 ISIN US6293JP1094

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Description

NSTS Bancorp, Inc. functions as the parent entity for North Shore Trust and Savings, a financial institution that offers a comprehensive suite of banking products and services across Illinois. The company provides various deposit vehicles, including checking, money market, savings, and time deposit accounts. For lending needs, it extends financing options such as one-to-four family residential mortgages, multi-family and commercial real estate loans, construction funding, home equity lines, and diverse consumer loans. Its operational footprint includes a main banking facility in Waukegan, Illinois, alongside two full-service retail branches situated in Waukegan and Lindenhurst, Illinois, and a specialized loan production office in Chicago, Illinois. Founded in 1921, NSTS Bancorp, Inc. is headquartered in Waukegan, Illinois.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
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Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD13.80 +0.01 (+0.07%)
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Volume Profile
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Liquidity & share structure
Average Volume
15.6K
Beta
0.22
Float Shares
4.42M
Free Float %
84.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.07% +7.23% +13.47% +11.79% +23.98% +5.41% +17.17% +58.91% +8.42% +8.42% +8.42%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
13.80
DCF (Levered) 54.80 +297.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.83
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +10.2% Q1'26: -13.6% (vs Q1'25)
  • EPS growth
    +50.6% Q1'26: +85.1% (vs Q1'25)
  • FCF margin
    Q1'26: +214.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +0.0% (vs Q1'25)
  • ROIC
    Q1'26: +0.0% (vs Q1'25)
  • Share dilution
    -0.5% Q1'26: +0.7% (vs Q1'25)
  • Debt / EBITDA
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.19) × ERP
WACC = 71% × Ke + 29% × Kd (12.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 13.80
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-14 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-05-13 C+ 2/5 3/5 1/5 1/5 3/5 1/5 4/5
2026-05-12 C+ 2/5 3/5 1/5 1/5 3/5 1/5 4/5
2026-05-11 C+ 2/5 3/5 1/5 1/5 3/5 1/5 4/5
2026-05-08 C+ 2/5 3/5 1/5 1/5 3/5 1/5 4/5
2026-05-07 C+ 2/5 3/5 1/5 1/5 3/5 1/5 4/5
2026-05-06 C+ 2/5 3/5 1/5 1/5 3/5 1/5 4/5
2026-05-05 C+ 2/5 3/5 1/5 1/5 3/5 1/5 4/5
2026-05-04 C+ 2/5 3/5 1/5 1/5 3/5 1/5 4/5
2026-05-01 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-30 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-29 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-28 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-27 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-24 C 2/5 3/5 1/5 1/5 2/5 1/5 3/5
2026-04-23 C+ 2/5 4/5 1/5 1/5 2/5 1/5 4/5
2026-04-22 C+ 2/5 4/5 1/5 1/5 2/5 1/5 4/5
2026-04-21 C+ 2/5 4/5 1/5 1/5 2/5 1/5 4/5
2026-04-20 C+ 2/5 4/5 1/5 1/5 2/5 1/5 4/5
2026-04-17 C+ 2/5 4/5 1/5 1/5 2/5 1/5 4/5
2026-04-16 C+ 2/5 4/5 1/5 1/5 2/5 1/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
12.34M
OE per share TTM
2.52
Owner's Yield
18.38%
Maintenance CapEx ratio
Maint CapEx / Avg PPE
60.1%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
9
Total invested
4.47M
Insider transactions (90d)
0
Beneficial owners (>5%)
1
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 North Shore Trust & Savings Employee Stock Ownership Plan Trust 431.8K 8.00% 409.8K 22.0K 431.8K EP Illinois 2023-02-06

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
9
-10 vs prev Q
New positions
4
Closed positions
14
Increased
5
Reduced
0
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 ALLIANCEBERNSTEIN L.P. 513.3K -5.1K (-1.0%) 6.65M +665.1K (+11.1%) 10.51% -0.099 pp 0.00% +0.000 pp USD9.70 +33.5% 16 qtrs
2 VANGUARD GROUP INC 218.0K -30.3K (-12.2%) 2.82M -80.1K (-2.8%) 4.46% -0.619 pp 0.00% +0.000 pp USD11.66 +11.1% 16 qtrs
3 RAFFLES ASSOCIATES LP 93.8K +— (+0.0%) 1.21M +132.2K (+12.2%) 1.92% +0.001 pp 0.91% -0.097 pp USD12.08 +7.2% 16 qtrs
4 GRAHAM CAPITAL WEALTH MANAGEMENT, LLC 69.5K +69.5K (+100.0%) 900.5K +900.5K (+100.0%) 1.42% +1.424 pp 0.83% +0.827 pp USD12.95 +0.0% 1 qtrs NEW
5 COLONY GROUP, LLC 60.7K +60.7K (+100.0%) 786.5K +786.5K (+100.0%) 1.24% +1.243 pp 0.00% +0.001 pp USD12.95 +0.0% 1 qtrs NEW
6 GEODE CAPITAL MANAGEMENT, LLC 45.4K -1.2K (-2.6%) 587.9K +42.8K (+7.9%) 0.93% -0.025 pp 0.00% +0.000 pp USD10.22 +26.7% 14 qtrs
7 CREATIVE PLANNING 45.0K +— (+0.0%) 582.8K +63.5K (+12.2%) 0.92% +0.000 pp 0.00% +0.000 pp USD10.48 +23.6% 15 qtrs
8 ROBERTS GLORE & CO INC /IL/ 36.5K +— (+0.0%) 472.6K +51.5K (+12.2%) 0.75% +0.000 pp 0.13% +0.011 pp USD11.88 +9.0% 16 qtrs
9 M3F, INC. 26.7K -11.4K (-30.0%) 345.0K -95.0K (-21.6%) 0.55% -0.234 pp 0.09% -0.030 pp USD11.80 +9.7% 5 qtrs
10 NORTHERN TRUST CORP 21.3K -883.0 (-4.0%) 276.2K +19.9K (+7.8%) 0.44% -0.018 pp 0.00% +0.000 pp USD10.31 +25.6% 9 qtrs
11 RENAISSANCE TECHNOLOGIES LLC 17.5K +3.1K (+21.5%) 226.6K +60.4K (+36.4%) 0.36% +0.064 pp 0.00% +0.000 pp USD12.00 +7.9% 5 qtrs
12 BLACKROCK, INC. 11.9K +160.0 (+1.4%) 153.5K +18.6K (+13.8%) 0.24% +0.003 pp 0.00% +0.000 pp USD10.45 +23.9% 6 qtrs
13 STATE STREET CORP 11.2K +— (+0.0%) 145.1K +14.1K (+10.8%) 0.23% +0.000 pp 0.00% +0.000 pp USD11.80 +9.7% 5 qtrs
14 AMERICAN CAPITAL ADVISORY, LLC 850.00 +— (+0.0%) 11.0K +1.2K (+12.2%) 0.02% +0.000 pp 0.00% +0.000 pp USD9.65 +34.2% 9 qtrs
15 HARBOUR INVESTMENTS, INC. 500.00 +500.0 (+100.0%) 6.5K +6.5K (+100.0%) 0.01% +0.010 pp 0.00% +0.000 pp USD12.95 +0.0% 1 qtrs NEW
16 SCARBOROUGH ADVISORS, LLC 150.00 +— (+0.0%) 1.9K +212.0 (+12.2%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.33 +5.0% 3 qtrs
17 TOWER RESEARCH CAPITAL LLC (TRC) 8.00 +8.0 (+100.0%) 104.00 +104.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.88 +0.5% 1 qtrs NEW
18 UBS GROUP AG 6.00 +6.0 (+100.0%) 78.00 +78.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.83 +0.9% 1 qtrs NEW
19 BANK OF AMERICA CORP /DE/ 4.00 +— (+0.0%) 52.00 +6.0 (+13.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD10.50 +23.3% 13 qtrs
20 MIRACLE MILE ADVISORS, LLC -11.0K (-100.0%) -127.0K (-100.0%) 0.00% -0.225 pp 0.00% -0.002 pp USD 16 qtrs SOLD
21 KOVITZ INVESTMENT GROUP PARTNERS, LLC -53.5K (-100.0%) -617.8K (-100.0%) 0.00% -1.096 pp 0.00% -0.002 pp USD 6 qtrs SOLD
22 BARCLAYS PLC -1.0 (-100.0%) -12.0 (-100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD 2 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 12 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares Micro-Cap ETF IWC 0.01% 203.8K 0.60%
2 Vanguard Extended Market ETF VXF 0.00% 584.8K 0.05%
3 Vanguard U.S. Total Market Shares Index ETF VTS.AX 0.00% 4.3K 0.03%
4 Vanguard U.S. Total Market Index ETF VUN.TO 0.00% 11.7K 0.17%
5 Vanguard U.S. Total Market Index ETF (CAD-hedged) VUS.TO 0.00% 865.86 0.17%
6 Vanguard Total Stock Market ETF VTI 0.00% 2.00M 0.03%
7 Vanguard All-Equity ETF Portfolio VEQT.TO 0.00% 4.4K 0.22%
8 Vanguard Growth ETF Portfolio VGRO.TO 0.00% 2.4K 0.22%
9 Vanguard Balanced ETF Portfolio VBAL.TO 0.00% 965.45 0.22%
10 Vanguard Conservative ETF Portfolio VCNS.TO 0.00% 106.39 0.22%

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Ratio by volume
0.00
Bearish
Buys
0
Sells
1
Shares acquired
Shares disposed
530.00
Cash buys
Cash sales
1.00
Net activity
-530
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2025-06-18 Pucin John S. Director Common Stock 0 0.00 1,000 D
2024-12-19 Ansani Emily E. Director A-Award A Stock Option 23,000 11.34 260.8K 23,000 D
2024-08-12 Ivantic Thomas M Director S-Sale D Common Stock 530 10.06 5.3K 28,670
2024-06-26 Walker Nathan E Officer F-InKind D Common Stock 3,324 9.61 31.9K 60,676
2024-06-26 Schoolcraft Carissa H Officer F-InKind D Common Stock 1,810 9.61 17.4K 24,190
2024-06-26 Lear Stephen G. Director / Officer F-InKind D Common Stock 3,095 9.61 29.7K 62,905
2024-06-26 Avakian Amy L Officer F-InKind D Common Stock 1,155 9.61 11.1K 43,845
2024-04-18 Ansani Emily E. Director 0 0.00 0
2023-06-15 Walker Nathan E Officer A-Award A Common Stock 34,000 0.00 64,000
2023-06-15 True Rodney J, Director A-Award A Stock Option 23,000 9.36 215.3K 23,000
2023-06-15 Schoolcraft Carissa H Officer A-Award A Common Stock 21,000 0.00 26,000
2023-06-15 Lear Stephen G. Director / Officer A-Award A Common Stock 36,000 0.00 66,000
2023-06-15 Kneesel Thomas J Director A-Award A Stock Option 23,000 9.36 215.3K 23,000
2023-06-15 Ivantic Thomas M Director A-Award A Stock Option 23,000 9.36 215.3K 23,000
2023-06-15 DOLAN KEVIN M Director A-Award A Common Stock 9,200 0.00 9,200
2023-06-15 Bond Thaddeus M. Jr. Director A-Award A Common Stock 9,200 0.00 39,200
2023-06-15 Avakian Amy L Officer A-Award A Common Stock 15,000 0.00 45,000
2023-06-15 Arenas Apolonio Director A-Award A Common Stock 9,200 0.00 26,700
2022-12-31 Walker Nathan E Officer D Common Stock 0 0.00 30,000
2022-12-31 True Rodney J, Director D Common Stock 0 0.00 30,000
2022-12-31 Arenas Apolonio Director D Common Stock 0 0.00 17,500
2022-01-21 Schoolcraft Carissa H Officer P-Purchase A Common Stock 5,000 12.50 62.5K 5,000
2022-01-18 Walker Nathan E Officer D No securities beneficially owned 0 0.00 0
2022-01-18 True Rodney J, Director D No securities beneficially owned 0 0.00 0
2022-01-18 Schoolcraft Carissa H Officer D No securities beneficially owned 0 0.00 0
2022-01-18 Lear Stephen G. Director / Officer D No securities beneficially owned 0 0.00 0
2022-01-18 Kneesel Thomas J Director D No securities beneficially owned 0 0.00 0
2022-01-18 Ivantic Thomas M Director D No securities beneficially owned 0 0.00 0
2022-01-18 DOLAN KEVIN M Director D No securities beneficially owned 0 0.00 0
2022-01-18 Bond Thaddeus M. Jr. Director D No securities beneficially owned 0 0.00 0
2022-01-18 Avakian Amy L Officer D No securities beneficially owned 0 0.00 0
2022-01-18 Arenas Apolonio Director P-Purchase A Common Stock 17,500 10.00 175.0K 17,500

Executive team

Top executives
EBIT / Employee
-7.3K
Shares Outstanding
5.26M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2025 Stephen G. Lear Chairman, President and Chief Executive Officer of the Company, Chairman of the Bank 214.5K 26.0K 78.9K 319.4K 0.00%
2 2025 Nathan E. Walker Chief Executive Officer of the Bank and Executive Vice President of the Company 220.1K 26.0K 34.9K 281.0K 0.00%
3 2025 Carissa H. Schoolcraft Chief Financial Officer of the Bank and the Company 180.0K 18.0K 22.5K 220.5K 0.00%
4 2025 Amy L. Avakian Chief Lending Officer and Vice President of the Bank 160.0K 15.0K 23.1K 198.1K 0.00%
5 2024 Stephen G. Lear Chairman, President and Chief Executive Officer of the Company, Chairman of the Bank 214.5K 24.6K 84.6K 323.7K 0.00%
6 2024 Nathan E. Walker Chief Executive Officer of the Bank and Executive Vice President of the Company 198.5K 24.6K 34.4K 257.5K 0.00%
7 2024 Carissa H. Schoolcraft Chief Financial Officer of the Bank and the Company 166.7K 16.5K 25.7K 208.9K 0.00%
8 2024 Amy L. Avakian Chief Lending Officer and Vice President of the Bank 150.3K 15.0K 25.4K 190.7K 0.00%
9 2023 Stephen G. Lear Chairman, President and Chief Executive Officer of the Company, Chairman of the Bank 214.5K 32.0K 337.0K 320.3K 83.9K 987.6K 66.55%
10 2023 Nathan E. Walker Chief Executive Officer of the Bank and Executive Vice President of the Company 191.8K 27.5K 318.2K 302.5K 31.8K 871.8K 71.20%
11 2023 Carissa H. Schoolcraft Chief Financial Officer of the Bank and the Company 160.8K 13.0K 196.6K 178.0K 22.9K 571.3K 65.56%
12 2023 Amy L. Avakian Chief Lending Officer and Vice President of the Bank 145.1K 14.0K 140.4K 133.5K 23.9K 456.8K 59.95%
13 2022 Stephen G. Lear Chairman, President and Chief Executive Officer of the Company, Chairman of the Bank 212.5K 40.0K 61.8K 314.3K 0.00%
14 2022 Nathan E. Walker Chief Executive Officer of the Bank and Executive Vice President of the Company 178.3K 23.0K 12.1K 213.3K 0.00%
15 2022 Amy L. Avakian Chief Lending Officer and Vice President of the Bank 138.7K 14.0K 9.2K 161.8K 0.00%
16 2022 Carissa H. Schoolcraft Chief Financial Officer of the Bank and the Company 116.2K 18.5K 8.1K 142.7K 0.00%
17 2021 Stephen G. Lear Chief Executive Officer 207.2K 20.0K 137.4K 364.6K 0.00%
18 2021 Stephen G. Lear Chairman, President and Chief Executive Officer of the Company, Chairman of the Bank 207.2K 20.0K 137.4K 364.6K 0.00%
19 2021 Nathan E. Walker Chief Executive Officer of the Bank and Executive Vice President of the Company 170.0K 14.0K 25.8K 209.8K 0.00%
20 2021 Nathan E. Walker President and Chief Operating Officer 170.0K 14.0K 25.8K 209.8K 0.00%
21 2021 Amy L. Avakian Chief Lending Officer 133.7K 13.0K 27.3K 174.0K 0.00%
22 2021 Amy L. Avakian Chief Lending Officer and Vice President of the Bank 133.7K 13.0K 27.3K 174.0K 0.00%
23 2021 Carissa H. Schoolcraft Chief Financial Officer of the Bank and the Company 122.3K 6.2K 7.7K 136.2K 0.00%
24 2020 Stephen G. Lear Chief Executive Officer 207.2K 19.1K 132.9K 359.2K 0.00%
25 2020 Nathan E. Walker President and Chief Operating Officer 138.0K 13.2K 24.7K 175.9K 0.00%
26 2020 Amy L. Avakian Chief Lending Officer 131.5K 13.0K 8.8K 153.3K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-05-12 DEFA14A
2026-04-17 DEFA14A
2026-04-17 DEF 14A
2025-04-11 DEFA14A
2025-04-11 DEF 14A
2024-04-22 DEFA14A
2024-04-05 DEFA14A
2024-04-05 DEF 14A
2023-04-14 DEF 14A
2022-04-15 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-14 10-Q
2026-05-12 DEFA14A
2026-05-12 8-K
2026-04-17 DEFA14A
2026-04-17 DEF 14A
2026-04-09 8-K
2026-03-27 10-K
2025-11-13 10-Q
2025-08-14 10-Q
2025-06-25 3

Executive team

NameTitleCompensationGender
Stephen G. Lear Chairman, President & Chief Executive Officer 319.4K male
Nathan E. Walker Executive Vice President 257.5K male
Carissa H. Schoolcraft Chief Financial Officer 220.5K female
Amy L. Avakian Vice President and Chief Lending Officer of North Shore Trust & Savings 198.1K female
Christine E. Stickler Corporate Secretary female
ESG Rating
B
BANKS - REGIONAL
Rank: 60 out of 431
2026
E (Environmental)
71.8 / 64.3
Company / Sector avg.
S (Social)
68.1 / 76.5
Company / Sector avg.
G (Governance)
65.8 / 75.5
Company / Sector avg.
ESG Total
68.6 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits