NSTS (NSTS Bancorp) Debt-to-EBITDA

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSTS NSTS Bancorp Inc NSTS
71 GF Score
Price $13.81
GF Value $13.85
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is NSTS Bancorp Debt-to-EBITDA?

Debt-to-EBITDA does not apply to banks.

NSTS
71GF Score
NSTS Bancorp Inc NSTS
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is NSTS Bancorp (NSTS) Overvalued in 2026?

Based on GuruFocus' analysis, NSTS Bancorp stock appears to be undervalued. The current stock price of $13.81 is trading 0.3% below its estimated GF Value™ of $13.85. GuruFocus considers NSTS Bancorp to be Fairly Valued.

Key valuation signals for NSTS:

  • Debt-to-EBITDA:
  • GF Value™: $13.85 vs. price of $13.81 (0.3% below fair value)
  • GF Score™: 71/100 with 3 warning signs

No single metric tells the full story. See the NSTS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NSTS Bancorp Business Description

Address 700 South Lewis Avenue, Waukegan, IL, USA, 60085
NSTS Bancorp Inc is a savings and loan holding company regulated Federal Reserve Board. The company was formed to serve as the North Shore Trust and Savings stock holding company. The Bank is a wholly-owned subsidiary of the company and operates as a traditional savings institution focused on serving the banking needs of customers in market area of Lake County, Illinois and adjacent communities.
71GF Score

Get the complete analysis for NSTS

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13.81
Price
$13.85
GF Value