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.
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 BancorpNSTS 71 EV-to-FCF is 4.16 as of Jul. 24, 2026, which is 61% below its 10-year median of 10.79. GuruFocus rates NSTS with a GF Score™ of 71/100 and a GF Value™ of $13.85 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,192 Banks companies, NSTS Bancorp ranks better than 60.74% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, NSTS Bancorp's Enterprise Value is $50.75 Mil.
NSTS Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $12.20 Mil. Therefore, NSTS Bancorp's EV-to-FCF for today is 4.16.
The historical rank and industry rank for NSTS Bancorp's EV-to-FCF or its related term are showing as below:
NSTS'
s EV-to-FCF Range Over the Past 10 Years
Min: -1262.1 Med: 10.79 Max: 174.55
Current: 4.16
During the past 7 years, the highest EV-to-FCF of NSTS Bancorp was 174.55. The lowest was -1262.10. And the median was 10.79.
NSTS's EV-to-FCF is ranked better than 60.74% of 1192
companies
in the Banks industry
Industry Median: 6.68
vs NSTS: 4.16
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
NSTS Bancorp's PE Ratio (TTM) for today is calculated as:
NSTS Bancorp's share price for today is $13.80.
NSTS Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.020.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
NSTS Bancorp EV-to-FCF Related Terms
NSTS Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for NSTS Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, NSTS Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, NSTS Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where NSTS Bancorp's EV-to-FCF falls into.
NSTS Bancorp's current Enterprise Value is $50.75 Mil.
NSTS Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.20 Mil.
* 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 EV-to-FCF of 4.16 as of Jul. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NSTS Bancorp and its competitors. This is 61% below median its historical median of 10.79. According to the industry distribution chart, NSTS Bancorp ranks #468 out of 1192 companies in the Banks industry, placing it in the top 39.3%.
Is NSTS Bancorp's EV-to-FCF too high?
NSTS Bancorp's current EV-to-FCF of 4.16 is 61% below median its 10-year median of 10.79. The Banks industry median EV-to-FCF is 6.68. NSTS Bancorp's value of 4.16 is 37.7% below this industry median. Based on the distribution chart, NSTS Bancorp ranks #468 out of 1192 companies in the Banks industry, which is above the industry midpoint. Overall, NSTS Bancorp has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NSTS Bancorp's EV-to-FCF compare to MNMB and ORBN?
According to the Banks industry distribution chart, NSTS Bancorp ranks #468 out of 1192 companies for EV-to-FCF. This puts NSTS Bancorp in the upper half of its industry. The industry median EV-to-FCF is 6.68. NSTS Bancorp's value of 4.16 is 37.7% below this benchmark. While the company's 10-year median is 10.79 vs. the industry median of 6.68, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NSTS Bancorp's current EV-to-FCF of 4.16 is 37.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NSTS Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NSTS Bancorp's current EV-to-FCF is 4.16, which is 61% below median its own 10-year median of 10.79. 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 $13.85, compared to a current price of $13.80 — trading 0.4% below its estimated fair value. The current EV-to-FCF is 4.16, which is 61% below median its 10-year median of 10.79 and 37.7% below the Banks industry median of 6.68. NSTS Bancorp's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For NSTS Bancorp (NSTS), the current EV-to-FCF is 4.16 as of Jul. 24, 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 $13.80 is trading 0.4% below its estimated GF Value™ of $13.85.
GuruFocus considers NSTS Bancorp to be Fairly Valued.
Key valuation signals for NSTS:
EV-to-FCF: 4.16 (61% below median its 10-year median of 10.79)
GF Value™: $13.85 vs. price of $13.80 (0.4% below fair value)
Industry Position: 37.7% below the Banks median (#468 of 1192)
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.
71GF Score
Get the complete analysis for NSTS
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSTS has been successfully added to your 
