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NSTS Bancorp, Inc (NSTS) Fair Value & Analysis

Financial Services · US · Market cap $66.4M

Price$13.75
Fair Value$12.51
Upside-9.0%
Quality95/100
Evidence: Medium Range $6.94 – $17.22

Fair value as of: Jun 26, 2026

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Analysis

NSTS Bancorp, Inc (NSTS) currently trades at $13.75, while our model-based Fair Value estimate is $12.51 — implying the stock looks roughly 9.0% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgages, multifamily and commercial real estate mortgages, construction, consumer loans, other collateral and unsecured personal loans. It also provides online banking services. The company operates through full-service banking offices in Lake County, Illinois; and three loan production offices in Chicago, Plainfield, and Aurora. NSTS Bancorp, Inc. was founded in 1921 and is headquartered in Waukegan, Illinois.

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Frequently asked questions

Is NSTS Bancorp, Inc (NSTS) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $12.51 versus a price of $13.75 — about −9% (overvalued). Model-based estimate, not financial advice.
What is the fair value of NSTS?
Our 21-model fair value for NSTS Bancorp, Inc is $12.51 (as of Jun 26, 2026), built from audited fundamentals. The current price is $13.75.
What is the quality score of NSTS?
NSTS Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.