NSTS (NSTS Bancorp) Margin of Safety % (DCF Dividends Based): N/A (As of Sep. 08, 2026)

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
69 GF Score
Price $14.14
GF Value $14.96
Valuation Fairly Valued
! 3 Warning Signs
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What is NSTS Bancorp Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

NSTS Bancorp's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

NSTS vs HFBK, CCBC, CLST: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, NSTS Bancorp's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, NSTS Bancorp's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where NSTS Bancorp's Margin of Safety % (DCF Dividends Based) falls into.


NSTS
69GF Score
NSTS Bancorp Inc NSTS
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • GF Value™: $14.96 vs. price of $14.14 (5.5% below fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for NSTS

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.14
Price
$14.96
GF Value