{ "ok": true, "cik": "1881592", "ticker": "NSTS", "name": "NSTS Bancorp, Inc.", "filings": [ { "form": "8-K", "filed": "2026-10-01", "items": [ "2.01 Completion of Acquisition or Disposition of Assets", "3.01 Notice of Delisting or Failure to Satisfy a Listing Rule", "3.03 Material Modifications to Rights of Security Holders", "5.01 Changes in Control of Registrant", "5.02 Departure or Election of Directors; Appointment of Officers", "5.03 Amendments to Articles or Bylaws; Change in Fiscal Year", "5.07 Submission of Matters to a Vote of Security Holders", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1881592/000143774926031662/0001437749-26-031662-index.htm" }, { "form": "10-Q", "filed": "2026-08-13", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1881592/000143774926027675/0001437749-26-027675-index.htm" }, { "form": "8-K", "filed": "2026-06-04", "items": [ "8.01 Other Events" ], "url": "https://www.sec.gov/Archives/edgar/data/1881592/000143774926019566/0001437749-26-019566-index.htm" }, { "form": "8-K", "filed": "2026-06-01", "items": [ "5.07 Submission of Matters to a Vote of Security Holders" ], "url": "https://www.sec.gov/Archives/edgar/data/1881592/000143774926019044/0001437749-26-019044-index.htm" }, { "form": "10-Q", "filed": "2026-05-14", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1881592/000143774926017061/0001437749-26-017061-index.htm" }, { "form": "8-K", "filed": "2026-05-12", "items": [ "1.01 Entry into a Material Definitive Agreement", "7.01 Regulation FD Disclosure", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1881592/000143774926016470/0001437749-26-016470-index.htm" } ], "events12m": 5, "healthWatch": { "window": "last 12 months", "since": "2025-10-02", "signals": [ { "code": "3.01", "label": "Exchange listing notice or transfer", "count": 1, "latest": { "filed": "2026-10-01", "url": "https://www.sec.gov/Archives/edgar/data/1881592/000143774926031662/0001437749-26-031662-index.htm" } }, { "code": "5.02", "label": "Director or officer change", "count": 2, "latest": { "filed": "2026-10-01", "url": "https://www.sec.gov/Archives/edgar/data/1881592/000143774926031662/0001437749-26-031662-index.htm" } } ], "note": "Events the company itself filed with the SEC, most serious first. Shown beside the figures; they do not change the range or its receipt." }, "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001881592.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1881592" }, "license": "Figures as filed with the SEC. Card text CC BY 4.0, POPS4.", "notAdvice": "Reporting, not investment advice. No price targets and no trading recommendations.", "edgar": "🫧 Edgar looked up NSTS Bancorp, Inc. ($NSTS). Last filing: 8-K (2.01 Completion of Acquisition or Disposition of Assets), 2026-10-01. 5 event filings (8-K) in the past twelve months.", "auditor": { "changes": [], "nonReliance": [], "restatedSince": null }, "metrics": { "fiscalYearEnd": "2025-12-31", "revenue": 252000, "revenueGrowth1y": -0.015625, "revenueGrowthPerYear": -0.033669528382894276, "yearsOfData": 5, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": -1.5317460317460319, "operatingCashFlow": 4052000, "capitalSpending": 104000, "freeCashFlow": 3948000, "researchAndDevelopment": null, "researchShareOfRevenue": null, "cash": 34042000, "longTermDebt": null, "longTermDebtChange": null, "revenueHistory": [ { "fiscalYearEnd": "2021-12-31", "revenue": 289000 }, { "fiscalYearEnd": "2022-12-31", "revenue": 291000 }, { "fiscalYearEnd": "2023-12-31", "revenue": 270000 }, { "fiscalYearEnd": "2024-12-31", "revenue": 256000 }, { "fiscalYearEnd": "2025-12-31", "revenue": 252000 } ], "totalEquity": 79974000, "totalAssets": 266648000, "equityRatio": 0.29992349464462514, "returnOnEquity": -0.004826568634806312, "dividendsPaid": null, "payoutRatio": null, "dividendPerShare": null, "dividendYearsRising": null, "dividendCut": null, "priceBased": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown.", "earningsPerShare": -0.08, "sharesOutstanding": 4887508, "bookValuePerShare": 16.36293996858931, "revenuePerShare": 0.05156001790687606, "range80": { "low": 160032.4638744409, "high": 356520.10055023816, "baseline": 244130.34340601505, "n": 2483, "band": "b000", "bandLabel": "under $50M", "method": "v4.1", "credibility": 0.5714285714285714, "growthYears": 5, "ownVolatility": 0.07806817424352154, "classVolatility": 0.3000583276631395, "volatility": 0.2051074837803227 }, "ifPaceHeld": { "low": 160032.4638744409, "high": 356520.10055023816 } }, "edgarette": "🔖 Exposure: revenue $252K (FY2025). Experience: revenue down 1.6% on the year, down 3.4% a year over 4 years. Soundness: equity 30.0% of assets, return on equity -0.5%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $160K and $357K next year (method v4.1: its own 5-year record of growth weighed at 57% against under $50M filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $151K to $377K. A statistical range, not company guidance. Against peers (59 filers, $50M+ revenue, its industry group): growth -1.6% against 7.5%.", "peers": { "sic": 6035, "sicDescription": "Savings Institution, Federally Chartered", "calendarYear": 2025, "minRevenue": 50000000, "depth": 2, "group": "60", "growth": [ 0.0751, 59 ], "equityRatio": [ 0.1056, 58 ], "returnOnEquity": [ 0.0977, 57 ], "payoutRatio": [ 0.3803, 49 ] }, "summary": "NSTS Bancorp (NSTS) saw revenue fall 1.6% in FY2025 to $0 million, equity 30.0% of assets. Every figure is from the company’s own annual report filed with the SEC.", "chart": "
NSTS Bancorp, Inc. against its own record and its peers
Revenue, on the yearPeer median 7.5%-1.6%Equity of assetsPeer median 10.6%30.0%Return on equityPeer median 9.8%-0.5%Gold tick: the median of 57–58 peers with $50M+ revenue in savings institution, federally chartered
", "chartHorizon": null, "backtest": { "tests": 2, "hits": 2, "rate": 1, "method": "v4", "byYear": { "2024": [ 1, 1 ], "2025": [ 1, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-10-02T14:02:41.896Z", "hash": "5c5ef087773ef2f5", "status": "open" }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "schema": "pops4.edgarette.card/1", "card": { "summary": "NSTS Bancorp (NSTS) saw revenue fall 1.6% in FY2025 to $0 million, equity 30.0% of assets. Every figure is from the company’s own annual report filed with the SEC.", "exposure": { "fiscalYearEnd": "2025-12-31", "revenue": 252000, "totalDebt": null, "cash": 34042000 }, "experience": { "revenueGrowth1y": -0.015625, "revenueGrowthPerYear": -0.033669528382894276, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": -1.5317460317460319, "freeCashFlow": 3948000 }, "soundness": { "equityRatio": 0.29992349464462514, "returnOnEquity": -0.004826568634806312, "payoutRatio": null, "dividendPerShare": null, "dividendYearsRising": null, "dividendCut": null, "note": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown." }, "peers": { "sic": 6035, "sicDescription": "Savings Institution, Federally Chartered", "calendarYear": 2025, "minRevenue": 50000000, "depth": 2, "group": "60", "growth": [ 0.0751, 59 ], "equityRatio": [ 0.1056, 58 ], "returnOnEquity": [ 0.0977, 57 ], "payoutRatio": [ 0.3803, 49 ] }, "credibility": { "auditedYears": 5, "weight": "reasonable", "standard": "ASOP No. 25", "nonReliance": null, "auditorChange": null }, "healthWatch": { "window": "last 12 months", "since": "2025-10-02", "signals": [ { "code": "3.01", "label": "Exchange listing notice or transfer", "count": 1, "latest": { "filed": "2026-10-01", "url": "https://www.sec.gov/Archives/edgar/data/1881592/000143774926031662/0001437749-26-031662-index.htm" } }, { "code": "5.02", "label": "Director or officer change", "count": 2, "latest": { "filed": "2026-10-01", "url": "https://www.sec.gov/Archives/edgar/data/1881592/000143774926031662/0001437749-26-031662-index.htm" } } ], "note": "Events the company itself filed with the SEC, most serious first. Shown beside the figures; they do not change the range or its receipt." }, "range": { "low": 160032.4638744409, "high": 356520.10055023816, "baseline": 244130.34340601505, "coverage": 0.8, "method": "v4.1", "basis": "next fiscal year revenue: baseline = revenue x (1 + mean of one-year and three-year pace); width = the company's own volatility of yearly growth, credibility-weighted against its size class (Buhlmann), scaled to the 80% target on 2023 and tested on 2024", "calibratedOn": { "companyYears": 2483, "sizeBand": "under $50M", "fitYears": [ 2018, 2022 ], "tuneYear": 2023, "testYear": 2024, "coverageOnTestYear": 0.8341, "coverageAllYears": 0.6904374799277399, "stressCoverageAllYears": 0.819004992974709, "outcomeYears": [ 2019, 2025 ] }, "credibility": { "weightOnOwnRecord": 0.571, "growthYears": 5, "ownVolatility": 0.07806817424352154, "classVolatility": 0.3000583276631395, "pricedVolatility": 0.2051074837803227, "k": 3 }, "stress": { "low": 151478.94107882847, "high": 377371.428966411, "basis": "the same range with widths set to hold 80% across 2018-2023, pandemic years included" }, "kind": "a statistical range, not company guidance; no view on the share price", "track": { "backtest": { "tests": 2, "hits": 2, "rate": 1, "method": "v4", "byYear": { "2024": [ 1, 1 ], "2025": [ 1, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-10-02T14:02:41.896Z", "hash": "5c5ef087773ef2f5", "status": "open" }, "scorecard": "https://www.pops4.com/boards/scorecard" } }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001881592.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1881592" }, "speedCash": null, "harbor": { "signs": [ { "key": "range", "text": "revenue is hard to predict: its 80% range is ±38%" } ], "rule": "Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider.", "level": 1, "name": "Sound ship", "plain": "one warning sign" }, "cashFlow": { "fiscalYearEnd": "2025-12-31", "operating": 4052000, "investing": -9768000, "financing": -13723000, "capitalSpending": 104000, "free": 3948000, "trend": [ { "fiscalYearEnd": "2021-12-31", "operating": 1452000, "free": 1310000 }, { "fiscalYearEnd": "2022-12-31", "operating": 2989000, "free": 2774000 }, { "fiscalYearEnd": "2023-12-31", "operating": 431000, "free": -85000 }, { "fiscalYearEnd": "2024-12-31", "operating": 9433000, "free": 9114000 }, { "fiscalYearEnd": "2025-12-31", "operating": 4052000, "free": 3948000 } ], "note": "Annual, as filed in 10-K cash flow statements; negative investing/financing = cash going out (capital spending, buybacks, dividends, debt repaid)." }, "investments": { "fiscalYearEnd": "2025-12-31", "cash": 34042000, "shortTerm": 1610000, "longTerm": 77109000, "equityHoldings": null, "totalAssets": 266648000, "ladder": { "within1y": 1610000, "y1to5": 42112000, "y5to10": 25222000, "y10plus": 9775000, "noSingleDate": null }, "currentRatio": null, "unrealizedGain": 5000, "unrealizedLoss": 8063000, "note": "Balance-sheet cash and investment securities at fiscal year end, as filed; short-term = due or saleable within a year. Insurers and banks hold most of their book here." } }, "definitions": { "operatingMargin": "Operating income divided by revenue.", "netMargin": "Net income divided by revenue.", "freeCashFlow": "Cash from operations minus spending on property and equipment.", "researchShareOfRevenue": "Research and development expense for the year as a share of revenue, both as filed.", "equityRatio": "Shareholders equity as a share of total assets, both as filed. Higher means less of the company is owed to someone else.", "returnOnEquity": "Net income for the year against shareholders equity at year end.", "payoutRatio": "Dividends paid as a share of net income, in the year the cash went out.", "dividendYearsRising": "Consecutive years, counted back from the last on record, in which dividend per share rose. A fall ends the run and is reported as dividendCut.", "revenueGrowthPerYear": "Compound annual growth between the first and latest fiscal years shown.", "credibility": "How much weight a record deserves, in the actuarial sense (ASOP No. 25): more audited years, more weight.", "peers": "Medians of SEC filers with $50M+ revenue in the same industry code (SIC), narrowest group with at least 8 filers, calendar-year figures from SEC XBRL frames.", "backtest": "The same range method applied to the company's own past years, scored against what it actually reported next. Hindsight, and labelled so.", "healthWatch": "Distress-type events the company filed in the last 12 months (late-filing notices; 8-K items 1.03, 3.01, 2.04, 4.02, 4.01, 2.05, 2.06, 1.05, 5.02), each with its count and newest filing. Display only: they do not change the range or its receipt." }, "speedCash": null, "harbor": { "signs": [ { "key": "range", "text": "revenue is hard to predict: its 80% range is ±38%" } ], "rule": "Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider.", "level": 1, "name": "Sound ship", "plain": "one warning sign" }, "cashFlow": { "fiscalYearEnd": "2025-12-31", "operating": 4052000, "investing": -9768000, "financing": -13723000, "capitalSpending": 104000, "free": 3948000, "trend": [ { "fiscalYearEnd": "2021-12-31", "operating": 1452000, "free": 1310000 }, { "fiscalYearEnd": "2022-12-31", "operating": 2989000, "free": 2774000 }, { "fiscalYearEnd": "2023-12-31", "operating": 431000, "free": -85000 }, { "fiscalYearEnd": "2024-12-31", "operating": 9433000, "free": 9114000 }, { "fiscalYearEnd": "2025-12-31", "operating": 4052000, "free": 3948000 } ], "note": "Annual, as filed in 10-K cash flow statements; negative investing/financing = cash going out (capital spending, buybacks, dividends, debt repaid)." }, "investments": { "fiscalYearEnd": "2025-12-31", "cash": 34042000, "shortTerm": 1610000, "longTerm": 77109000, "equityHoldings": null, "totalAssets": 266648000, "ladder": { "within1y": 1610000, "y1to5": 42112000, "y5to10": 25222000, "y10plus": 9775000, "noSingleDate": null }, "currentRatio": null, "unrealizedGain": 5000, "unrealizedLoss": 8063000, "note": "Balance-sheet cash and investment securities at fiscal year end, as filed; short-term = due or saleable within a year. Insurers and banks hold most of their book here." } }