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NSTS Bancorp, Inc. Stock: price and insider trades · United States

No insider purchase over the last 90 days. The latest, by Schoolcraft Carissa H, was filed 21 Jan 2022.

NSTS Bancorp, Inc.: what insiders have been doing

NSTS Bancorp, Inc., classified in the Finance & Banking sector, is a listed company. Its insiders report their share dealings to SEC (Form 4). Between 22 October 2025 and 22 October 2026, 9 insiders published 14 filings.

The filings describe grants, exercises and other transfers rather than trades on the open market. Because grants and exercises are largely decided by remuneration plans, they are not counted as purchases here.

There has been no open-market purchase by an insider of NSTS Bancorp, Inc. for at least a year. Typically, a trade is published a median of 1 day after it takes place. Section 16 rules allow two business days to file each Form 4.

For context, the typical company on the same exchange (median of 3,171 companies) published 24 filings over the same period, against 14 filings here. Over the whole record (from 2022), the tally stands at 10 purchases and 1 sale. For the fiscal year to 31 December 2025, the annual 10-K puts net income at -386,000 USD.

For comparison within the same sector, see the insider buying recorded at Dynex Capital Inc and Presurance Holdings, Inc. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.

Insider Decl.
40
Thresholds
n/a
Buy Volume
€2M
10 ops. · all time
Sell Volume
€4,875
1 ops. · all time

Since the insiders bought

  • Filed 21 Jan 2022 · 1753 days ago · €55k
    -14.2%
    Entry US$12.37 · Close at T+365 US$10.61
  • Filed 20 Jan 2022 · 1754 days ago · €263k
    -14.2%
    Entry US$12.37 · Close at T+365 US$10.61
  • Filed 19 Jan 2022 · 1755 days ago · €263k
    -15.4%
    Entry US$12.55 · Close at T+365 US$10.61

Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.

This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.

Fundamental score
Ranked 19,692 of 26,913 companies
35.8
score / 100
Value
48
Quality
24
FCF yld5.6%
Earn yld-0.6%
EV/EBITDA·
ROE-0.1%
Gross mgn·
Net mgn-4.1%
Debt/EBITDA·
Pillars2/3

Transparent value + quality ranking, distinct from the insider signal.

Financial data

as of FY 2025

FY ended December 2025 · cache

US$14.26
Analyst consensus
·
Income statement
RevenueUS$9.4M
Net income-US$386k-0.4% margin
Valuation
P/Book0.9x
Beta0.22
Balance sheet & cash
Market capUS$70.1M
Total debtUS$27.6M
Free Cash FlowUS$3.9M
Profitability & ownership
ROE-0.1%
ROA-0.0%
% insiders16.0%
% institutions25.6%
Last declaration on 2 October 2026
Declarations40 total
  • ●
    DirectorExecutives
    143,100 USD22SEC
    10,000 shares@ US$14.310.21% mcap14.3% of flowCommon StockSEC:0001437749-26-031839:1
  • ●
    Chief Financial OfficerExecutives
    346,159 USD38SEC
    24,190 shares@ US$14.310.51% mcap68.9% of flowCommon StockSEC:0001437749-26-031842:0
  • ●
    DirectorExecutives
    382,077 USD30SEC
    26,700 shares@ US$14.310.57% mcap57.6% of flowCommon StockSEC:0001437749-26-031840:0
  • ●
    DirectorExecutives
    131,652 USD29SEC
    9,200 shares@ US$14.310.20% mcap100.0% of flowCommon StockSEC:0001437749-26-031847:0
  • ●
    DirectorExecutives
    14,310 USD24SEC
    1,000 shares@ US$14.310.021% mcap100.0% of flowCommon StockSEC:0001437749-26-031846:0
  • ●
    DirectorExecutives
    410,268 USD31SEC
    28,670 shares@ US$14.310.61% mcap66.8% of flowCommon StockSEC:0001437749-26-031845:0
  • ●
    Chief Lending OfficerExecutives
    627,422 USD31SEC
    43,845 shares@ US$14.310.93% mcap61.9% of flowCommon StockSEC:0001437749-26-031844:0
  • ●
    Chief Lending OfficerExecutives
    75,614 USD21SEC
    5,284 shares@ US$14.310.11% mcap7.5% of flowCommon StockSEC:0001437749-26-031844:1
  • ●
    Chief Executive OfficerExecutives
    900,171 USD44SEC
    62,905 shares@ US$14.311.34% mcap66.6% of flowCommon StockSEC:0001437749-26-031843:0
  • ●
    Chief Executive OfficerExecutives
    121,063 USD33SEC
    8,460 shares@ US$14.310.18% mcap9.0% of flowCommon StockSEC:0001437749-26-031843:1
  • ●
    Chief Financial OfficerExecutives
    75,170 USD29SEC
    5,253 shares@ US$14.310.11% mcap15.0% of flowCommon StockSEC:0001437749-26-031842:1
  • ●
    DirectorExecutives
    417,852 USD31SEC
    29,200 shares@ US$14.310.62% mcap67.8% of flowCommon StockSEC:0001437749-26-031841:0
  • ●
    DirectorExecutives
    107,325 USD23SEC
    7,500 shares@ US$14.310.16% mcap16.2% of flowCommon StockSEC:0001437749-26-031840:1
  • ●
    DirectorExecutives
    560,952 USD31SEC
    39,200 shares@ US$14.310.83% mcap56.0% of flowCommon StockSEC:0001437749-26-031839:0
  • ◆
    DirectorExecutives
    0SEC
    9,200 shares0Common StockSEC:0001437749-24-038283:0
  • ▼
    DirectorExecutives
    5,332 USD11SEC
    530 shares@ US$10.062.7% of flowCommon StockSEC:0001437749-24-026062:0
  • ◆
    Chief Executive OfficerExecutives
    29,743 USD23SEC
    3,095 shares@ US$9.619.6% of flowCommon StockSEC:0001437749-24-021294:0
  • ◆
    Chief Financial OfficerExecutives
    17,394 USD21SEC
    1,810 shares@ US$9.6122.8% of flowCommon StockSEC:0001437749-24-021295:0
  • ◆
    Chief Lending OfficerExecutives
    11,100 USD11SEC
    1,155 shares@ US$9.613.8% of flowCommon StockSEC:0001437749-24-021291:0
  • ◆
    Executive Vice PresidentExecutives
    31,944 USD12SEC
    3,324 shares@ US$9.6110.2% of flowCommon StockSEC:0001437749-24-021293:0
  • ◆
    Chief Financial OfficerExecutives
    0SEC
    21,000 shares0Common StockSEC:0001437749-23-017703:0
  • ◆
    DirectorExecutives
    0SEC
    9,200 shares0Common StockSEC:0001437749-23-017705:0
  • ◆
    Chief Executive OfficerExecutives
    0SEC
    36,000 shares0Common StockSEC:0001437749-23-017701:0
  • ◆
    DirectorExecutives
    0SEC
    9,200 shares0Common StockSEC:0001437749-23-017700:0
  • ◆
    Chief Lending OfficerExecutives
    0SEC
    15,000 shares0Common StockSEC:0001437749-23-017696:0

25 of 40 declarations

About NSTS Bancorp, Inc.

NSTS Bancorp, Inc. (ticker: NSTS) is a United States-based banking holding company listed on the NASDAQ market. The company is the public holding company for North Shore Trust and Savings, a federally chartered stock savings bank with a long-standing community banking franchise in Lake County, Illinois, and adjacent communities. Its headquarters and main banking office are in Waukegan, Illinois, and the group also operates two additional full-service branches in Waukegan and Lindenhurst, plus a loan production office in Chicago. ([ir.northshoretrust.com](https://ir.northshoretrust.com/company-information))

NSTS traces its roots back to 1921, when North Shore Building and Loan was established as an Illinois-chartered institution. The holding company NSTS Bancorp was created as part of the conversion of North Shore Trust and Savings, NSTS Financial Corporation, and North Shore MHC from mutual to stock form, a process completed on January 18, 2022. That conversion marked the transition to a publicly traded structure while preserving the institution’s community-bank identity and local-market focus. ([ir.northshoretrust.com](https://ir.northshoretrust.com/company-information))

Read moreShow less

From a business-model standpoint, NSTS Bancorp is primarily a deposit-funded lender. Its core activity is to gather deposits from the public and deploy those funds into lending and investment assets. The bank’s principal loan categories include one- to four-family residential mortgages, multifamily and commercial real estate loans, construction lending, consumer loans, and other collateralized or unsecured personal loans. It also offers a typical community-bank deposit suite: interest-bearing and noninterest-bearing checking accounts, money market accounts, savings accounts, and time deposits. Online banking services round out the offering, supporting customer retention and convenience. ([ir.northshoretrust.com](https://ir.northshoretrust.com/company-information))

In competitive terms, NSTS Bancorp is best viewed as a regional niche player rather than a scaled national institution. Its franchise is concentrated in northeastern Illinois, which gives it a clear local footprint but also ties performance to the economic and real-estate conditions of a limited geographic area. For investors, that means the company’s earnings profile is likely to be influenced by deposit pricing, mortgage demand, local credit quality, and the spread environment more than by national diversification. ([ir.northshoretrust.com](https://ir.northshoretrust.com/company-information))

Recent company developments are material. In 2025, NSTS announced a board appointment involving John Pucin, while earlier press releases referenced balance-sheet repositioning and share-repurchase authorization, signaling active capital management. The most significant recent event came on May 12, 2026, when NSTS announced that Brookfield Bancshares, Inc. and First National Bank of Brookfield had signed a merger agreement to acquire NSTS Bancorp and North Shore Trust and Savings. That deal is a major strategic inflection point and could materially change the company’s ownership structure, operating outlook, and eventual trading profile. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1881592/000143774925020779/nsts20250617_8k.htm?utm_source=openai))

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