Event-Driven Stocks

NSTS Bancorp, Inc.

NSTSNasdaq

Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕

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Signs● 2 good● 3 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$252,000$256,000$270,000$291,000$289,000$255,000
Operating income——————
Net income−$386,000−$789,000−$4.0M$27,000−$55,000−$112,000
Total assets$266.6M$278.7M$256.8M$264.2M$340.9M$242.2M
Total liabilities$186.7M$202.2M$179.2M$183.7M$295.7M$195.5M
Equity$80.0M$76.5M$77.5M$80.5M$45.2M$46.7M
EPS (diluted)$-0.08$-0.16$-0.79$0.01——
Shares out.5.2M5.3M5.4M5.4M0—

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
−153.2%
Return on equity
−0.5%
Return on assets
−0.1%
Return on capital (ROCE)
—
Liabilities / assets
70.0%
Debt / equity
2.33×
Book value / share
$15.24
Revenue growth (YoY)
−1.6%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−1.7%clean
Piotroski F-Score
6/7mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
37
/ 100
Profitability 0Growth 0Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 3 warning● 2 good
  • Reported a net loss
  • Revenue declined year-over-year
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20266,7041.0+6.8%
Apr 30, 20266,2802.4+14.6%
Apr 15, 20265,4801.0+1.4%
Mar 31, 20265,4021.0+11.5%
Mar 13, 20264,8451.4+6.7%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)