NSTS Bancorp Inc (NSTS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$14.05+0.21%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · NSTS
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -48.1% |
| Our one-year growth estimate | diamond | 2.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 50.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
NSTS — divestiture
Dated 2026-06-04
Other Events. As previously disclosed, on May 12, 2026, NSTS Bancorp, Inc. (the “Company”) and Brookfield Bancshares, Inc. (“Brookfield”) entered into an Agreement and Plan of Merger (the “Merger Agreement”), pursuant to which the Company will be merged with and into Brookfield, and the Company’s subsidiary bank, North Shore Trust and Savings (the “Bank”), will become a wholly-owned subsidiary of Brookfield and continue to operate under its existing name and federal savings association charte…
Why it matters: A slowdown in sector growth could impact NSTS's performance. It signals broader market challenges.
Worry ifSector revenue growth reported below its median of 15%.
Less concerning ifSector revenue growth remains above its median of 15%.
Why it matters: Better operating income helps NSTS's finances. It shows they manage costs well.
Supportive ifOperating income for Q2 shows a positive figure compared to -$39,000 in Q1.
Worry ifOperating income for Q2 keeps going down or stays negative.
Why it matters: The CEO's death may change leadership and affect how the company performs.
Watch forNew CEO outlines a clear strategic plan that aligns with current goals.
Also watch forUncertainty in leadership can delay plans or lead to poor performance.
Why it matters: Cash from operations has fluctuated. A significant drop could indicate cash flow issues.
Watch forCash from operations improves to above $5 million in Q2 2026.
Also watch forCash from operations falls below $2 million in Q2 2026.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$7 on $10,000 · ±0.1% | How much price usually moves either way. |
| Bad day | $162 loss on $10,000 · 1.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,112 loss on $10,000 · 11.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The merger's completion will change NSTS's operational structure and market presence. It is a key growth strategy.
Supportive ifThe merger closes by the end of Q4 2026 as planned.
Worry ifThe merger is delayed or fails to close due to regulatory or other issues.
Why it matters: The merger is key for growth and could change NSTS's market position. Investors will want to see if it progresses smoothly.
Supportive ifA press release that confirms the merger is done or has a big milestone.
Worry ifThe merger announcement may be delayed or canceled.
Why it matters: Better operating income is key for financial health. Poor results may mean ongoing issues.
Supportive ifOperating income rises by over 10% from last quarter.
Worry ifOperating income falls or stays the same compared to last quarter.
Why it matters: Stockholder approval is crucial for the merger to proceed. It affects the future of NSTS.
Supportive ifStockholders agree to the merger in a special meeting.
Worry ifStockholders reject the merger agreement during the vote.
Why it matters: Changes in operating income show the company's financial health. A drop could mean bigger problems.
Worry ifOperating income shows a profit in the next quarter after a loss in Q2 2026.
Less concerning ifOperating income keeps falling or stays negative in the next quarter.