RevenueThe total money the company brought in from sales, before subtracting any costs.
$13Mβ² +10.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
74.8%β² +3.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isnβt profitable yet.
β$386KβΌ β51.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$4MβΌ β56.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing ownerβs slice.
4.9Mβ² +0.7% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$8MβΌ β$15M YoY
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About NSTS BANCORP INC
NSTS Bancorp, Inc. functions as the parent entity for North Shore Trust and Savings, a financial institution that offers a comprehensive suite of banking products and services across Illinois. The company provides various deposit vehicles, including checking, money market, savings, and time deposit accounts. For lending needs, it extends financing options such as one-to-four family residential mortgages, multi-family and commercial real estate loans, construction funding, home equity lines, and diverse consumer loans. Its operational footprint includes a main banking facility in Waukegan, Illinois, alongside two full-service retail branches situated in Waukegan and Lindenhurst, Illinois, and a specialized loan production office in Chicago, Illinois. Founded in 1921, NSTS Bancorp, Inc. is headquartered in Waukegan, Illinois.
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Otter Score Breakdown
How it's scoredFive components, each rated 1β5β and equally weighted (20%), averaged to a 0β100 score:π Quality β gross marginπ Growth β revenue YoYβοΈ Valuation β P/S ratioβ‘ Momentum β 30-day price changeπ§ Dilution β 1-yr share issuance (buybacks score higher)