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ZYBERNO

Stock Report

Updated Aug 31, 2026

NSTS Bancorp, Inc. (NSTS)

Financial Services • NASDAQ

$13.99

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

34.0/100

WEAK BUSINESS

NSTS Bancorp, Inc. (NSTS) scores 34/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full NSTS quality analysis & detailed breakdown

VALUATION SIGNAL

⚠

Business Model Limitation

NSTS Bancorp, Inc. operates in the Banking industry. Owner Earnings-based DCF analysis — the foundation of both the Margin of Safety and the Brina Gap — is not well-suited to companies whose business model is structurally built around leverage: banks, insurers, mortgage companies, and REITs. These businesses are typically valued using sector-specific metrics such as Price-to-Book, Price-to-FFO, or Net Asset Value. Treat these signals as directional only.

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

+81.9%

Undervalued

Growth gap unavailable — insufficient data for reverse DCF calculation.

🎯 Expected Annual Return →

69.2%

5-year annualised assuming price converges to intrinsic value

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full NSTS valuation analysis · → View full NSTS Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-0.8%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.00x)

Operating Margin (Operational Efficiency):CRITICAL (-5.9%)

Return on Capital (Capital Efficiency):CRITICAL (-1.4%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

NSTS Bancorp, Inc. (NSTS) stock report — Zyberno Score 34/100 (WEAK BUSINESS), Margin of Safety +81.9%, 69% expected annual return. Full financial analysis on Zyberno.

According to Zyberno's DCF model, NSTS Bancorp, Inc. (NSTS) trades at $13.99 against an estimated intrinsic value per share of $77.10 — a +81.9% Margin of Safety based on Owner Earnings of $12.20M TTM, projected at 100.0% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of 69.2% annually.

Over the trailing twelve months, NSTS generated $12.20M in Owner Earnings. Capital was deployed as follows: $66.00K invested in capital expenditures. Owner Earnings have grown at 100.0% annually over the trailing five years using log-linear regression.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:13.99

Market Cap:$68.86M

Valuation Multiples (3)

P/B Ratio:0.86x

P/S Ratio:6.51x

Peg Ratio:-999.00x

Enterprise Metrics (2)

Enterprise Value:$21.34M

Pfcf Ratio:5.58x

Price Action & Momentum (3)

12-1 Momentum:

+12.8% (55th pctile)

📈 Click to view full NSTS Momentum analysis →

Momentum Percentile:55 / 100

% of 52-Week High:99.6%

B. Profitability Assessment

Return Metrics (3)

ROE:

-0.8%

📊 Click to view full NSTS ROE analysis →

ROA:-0.2%

Roic:

-1.4%

📊 Click to view full NSTS ROIC analysis →

Margin Analysis (3)

Operating Margin Ttm:-5.9%

Net Margin Ttm:-5.9%

Ebitda Margin:-3.1%

TTM Performance (2)

Operating Margin Ttm:-5.9%

Net Margin Ttm:-5.9%

Yield Metrics (3)

Earnings Yield:-$0.94

Owner Earnings Yield:$17.93

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):13.9%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):-10.3%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):100.0%

Operating Cash Flow Growth Rate (Linear):100.0%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):-23.4%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.01x

Quick Ratio:0.01x

Cash Ratio:0.26x

Leverage Analysis (3)

Debt To Equity Ttm:0.00x

Debt-to-Equity Ratio:0.00x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:-0.05x

Times Interest Earned:-0.05

Capital Structure (4)

Working Capital:-182,970,000.00

Cash And Cash Equivalents:47,522,000.00

Long Term Debt:$0.00

Net Debt:-$47.52M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $10.58M

Linear Growth: 13.9%

📊 Click to view full NSTS Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00

Operating income TTM: -$629.00K

Linear Growth: -23.4%

📊 Click to view full NSTS Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: -$629.00K

Linear Growth: -10.3%

📊 Click to view full NSTS Net Income analysis & methodology →

Income Before Tax:-$629.00K

Ebitda Ttm:-326,000.00

Operating Expenses (5)

Operating Expenses:11,058,000.00

R And D Expense:0.00

Sga Expense:0.00

Income Tax Expense:$0.00

Interest Expense:7,427,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:0.0%

Ebitda Margin:-3.1%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$269.92M

Current Assets:$1.11M

Ppe Net:5,000,000.00

Goodwill:0.00

Intangible Assets:$0.00

Liability Structure (4)

Total Liabilities:189,795,000.00

Current Liabilities:184,078,000.00

Long Term Debt:$0.00

Short Term Debt:$0.00

Equity & Capital (3)

Equity:$80.12M

Retained Earnings:$39.64M

Common Stock:10,000,000.00

Working Capital Items (3)

Accounts Receivable:0.00

Inventory:0.00

Accounts Payable:0.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:415,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $12.26M

Linear Growth: 100.0%

Free cash flow TTM: $12.20M

Linear Growth: 100.0%

📊 Click to view full NSTS Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:$351.00K

Capital Expenditures Ttm:66,000.00

Financing Activities (3)

Financing Cash Flow:$3.46M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:303,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (2)

EPS (Basic TTM):-0.13

Earnings Per Share Ttm:-$0.13

Revenue & Cash Per Share (3)

Sales Per Share Ttm:2.15

Operating Cash Flow Per Share:$0.82

Fcf Per Share Ttm:2.48

Book Value & Capital (2)

Book Value Per Share:$16.28

Cash Per Share:9.65

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.04x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:-999.00x

Days Sales Outstanding Ttm:-999.00

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00

Cash Conversion Cycle:-999.00

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:60.00

Quality Score:45.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $12.20M

Linear Growth: 100.0%

📊 Click to view full NSTS Owner Earnings analysis & methodology →

Owner Earnings Per Share:$2.48

Owner Earnings Yield:$17.93

Growth Assessment (1)

Owner Earnings Growth Rate:$100.00

Intrinsic Value Models (1)

Intrinsic Value:

$379.48M

📊 Click to view full NSTS DCF valuation →

Margin of Safety (1)

Margin Of Safety:

81.9%

📊 Click to view full NSTS valuation analysis →

Return Scenarios (1)

Theoretical 5-Year Return:

69.2%

📊 Click to view full NSTS expected return analysis →

Investment Assessment (1)

Buffett Assessment:Excellent margin of safety

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):13.9%

Net Income Growth Rate (Linear):-10.3%

Operating Income Growth Rate (Linear):-23.4%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):100.0%

Operating Cash Flow Growth Rate (Linear):100.0%

Other Growth Rates (2)

Book Value Growth Rate (Linear):-1.2%

Owner Earnings Growth Rate:$100.00

C. Company Profile & Context

Corporate Information (6)

Symbol:NSTS

Company Name:NSTS Bancorp, Inc.

Sector:Financial Services

Industry:Banking

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:4.92M

Shares Outstanding Basic:4.92M

Shares Outstanding Diluted:4.91M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-31 23:31:59 UTC

Data Timestamp:2026-08-20T03:37:36.261979