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NSTS BancorpNSTS +0.64%69 Debt-to-Equity is 0.36 as of Jun. 2026, which is 12% below its 10-year median of 0.41. GuruFocus rates NSTS with a GF Score™ of 69/100 and a GF Value™ of $14.96 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,414 Banks companies, NSTS Bancorp ranks better than 63.72% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for NSTS Bancorp's Debt-to-Equity or its related term are showing as below:
NSTS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.32 Med: 0.41 Max: 2.7
Current: 0.36
During the past 7 years, the highest Debt-to-Equity Ratio of NSTS Bancorp was 2.70. The lowest was 0.32. And the median was 0.41.
NSTS's Debt-to-Equity is ranked better than 63.72% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs NSTS: 0.36
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
NSTS Bancorp Debt-to-Equity Related Terms
NSTS Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for NSTS Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSTS vs HFBK, CCBC, CLST: Debt-to-Equity Comparison
For the Banks - Regional subindustry, NSTS Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
NSTS Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, NSTS Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where NSTS Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSTS Bancorp (NSTS) has a Debt-to-Equity of 0.36 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on NSTS Bancorp and its competitors. This is 12% below median its historical median of 0.41. Over the past decade, NSTS Bancorp's Debt-to-Equity has ranged from 0.32 to 2.70. According to the industry distribution chart, NSTS Bancorp ranks #513 out of 1414 companies in the Banks industry, placing it in the top 36.3%.
Is NSTS Bancorp's Debt-to-Equity too high?
NSTS Bancorp's current Debt-to-Equity of 0.36 is 12% below median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 2.70. The Banks industry median Debt-to-Equity is 0.58. NSTS Bancorp's value of 0.36 is 37.9% below this industry median. Based on the distribution chart, NSTS Bancorp ranks #513 out of 1414 companies in the Banks industry, which is above the industry midpoint. Overall, NSTS Bancorp has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NSTS Bancorp's Debt-to-Equity compare to HFBK and CCBC?
According to the Banks industry distribution chart, NSTS Bancorp ranks #513 out of 1414 companies for Debt-to-Equity. This puts NSTS Bancorp in the upper half of its industry. The industry median Debt-to-Equity is 0.58. NSTS Bancorp's value of 0.36 is 37.9% below this benchmark. Historically, NSTS Bancorp's own Debt-to-Equity has ranged from 0.32 to 2.70 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 0.58, NSTS Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NSTS Bancorp's current Debt-to-Equity of 0.36 is 37.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on NSTS Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NSTS Bancorp's current Debt-to-Equity is 0.36, which is 12% below median its own 10-year median of 0.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NSTS Bancorp stock overvalued right now?
Based on GuruFocus' analysis, NSTS Bancorp (NSTS) is currently considered Fairly Valued. The stock's GF Value™ is $14.96, compared to a current price of $14.14 — trading 5.5% below its estimated fair value. The current Debt-to-Equity is 0.36, which is 12% below median its 10-year median of 0.41 and 37.9% below the Banks industry median of 0.58. NSTS Bancorp's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For NSTS Bancorp (NSTS), the current Debt-to-Equity is 0.36 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is NSTS Bancorp (NSTS) Overvalued in 2026?
Based on GuruFocus' analysis, NSTS Bancorp stock appears to be undervalued.
The current stock price of $14.14 is trading 5.5% below its estimated GF Value™ of $14.96.
GuruFocus considers NSTS Bancorp to be Fairly Valued.
Key valuation signals for NSTS:
Debt-to-Equity: 0.36 (12% below median its 10-year median of 0.41)
GF Value™: $14.96 vs. price of $14.14 (5.5% below fair value)
Industry Position: 37.9% below the Banks median (#513 of 1414)
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 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.
69GF Score
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