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Net margin is calculated as Net Income divided by its Revenue. NSTS Bancorp's Net Income for the
three
months ended in Mar. 2026 was $-0.04 Mil. NSTS Bancorp's Revenue for the
three
months ended in Mar. 2026 was $2.45 Mil. Therefore, NSTS Bancorp's net margin for the quarter that ended in Mar. 2026 was -1.60%.
The historical rank and industry rank for NSTS Bancorp's Net Margin % or its related term are showing as below:
NSTS'
s Net Margin % Range Over the Past 10 Years
Min: -79.89 Med: -1.87 Max: 6.84
Current: -0.99
NSTS's Net Margin % is ranked worse than 96.25% of 1522
companies
in the Banks industry
Industry Median: 27.055
vs NSTS: -0.99
NSTS Bancorp (NAS:NSTS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
NSTS Bancorp Net Margin % Related Terms
NSTS Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for NSTS Bancorp's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NSTS Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where NSTS Bancorp's Net Margin % 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 Net Margin % of -1.60% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on NSTS Bancorp and its competitors. According to the industry distribution chart, NSTS Bancorp ranks #1465 out of 1522 companies in the Banks industry, placing it in the top 96.3%.
Is NSTS Bancorp's Net Margin % too high?
NSTS Bancorp's current Net Margin % is -1.60%. Based on the distribution chart, NSTS Bancorp ranks #1465 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to MNMB and ORBN?
According to the Banks industry distribution chart, NSTS Bancorp ranks #1465 out of 1522 companies for Net Margin %. This places NSTS Bancorp in the lower half of its industry. The industry median Net Margin % is 27.06. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on NSTS Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NSTS Bancorp's current Net Margin % is -1.60%. 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 Net Margin % is -1.60%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For NSTS Bancorp (NSTS), the current Net Margin % is -1.60% as of Mar. 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:
Net Margin %: -1.60%
GF Value™: $13.85 vs. price of $13.80 (0.4% below fair value)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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