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NSTS BancorpNSTS 71 PS Ratio is 6.90 as of Jul. 24, 2026, which is 0% below its 10-year median of 6.93. 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 1,511 Banks companies, NSTS Bancorp ranks worse than 93.65% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, NSTS Bancorp's share price is $13.80.
NSTS Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $2.00. Hence, NSTS Bancorp's PS Ratio for today is 6.90.
The historical rank and industry rank for NSTS Bancorp's PS Ratio or its related term are showing as below:
NSTS'
s PS Ratio Range Over the Past 10 Years
Min: 5.74 Med: 6.93 Max: 13.08
Current: 6.9
During the past 7 years, NSTS Bancorp's highest PS Ratio was 13.08. The lowest was 5.74. And the median was 6.93.
NSTS's PS Ratio is ranked worse than 93.65% of 1511
companies
in the Banks industry
Industry Median: 3.04
vs NSTS: 6.90
During the past 12 months, the average Revenue per Share Growth Rate of NSTS Bancorp was 10.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 10.70% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 13.00% per year.
During the past 7 years, NSTS Bancorp's highest 3-Year average Revenue per Share Growth Rate was 23.10% per year. The lowest was -3.70% per year. And the median was 9.50% per year.
Back to Basics: PS Ratio
NSTS Bancorp (NAS:NSTS) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
NSTS Bancorp PS Ratio Related Terms
NSTS Bancorp PS Ratio Historical Data
* Premium members only.
The historical data trend for NSTS Bancorp's PS Ratio 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, NSTS Bancorp's PS Ratio distribution charts can be found below:
* The bar in red indicates where NSTS Bancorp's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
NSTS Bancorp's PS Ratio for today is calculated as
NSTS Bancorp's Share Price of today is $13.80. NSTS Bancorp's Revenue per Share 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 $2.00.
* 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.
It can also be calculated from the numbers for the whole company:
NSTS Bancorp (NSTS) has a PS Ratio of 6.90 as of Jul. 24, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on NSTS Bancorp and its competitors. This is near median its historical median of 6.93. Over the past decade, NSTS Bancorp's PS Ratio has ranged from 5.74 to 13.08. According to the industry distribution chart, NSTS Bancorp ranks #1415 out of 1511 companies in the Banks industry, placing it in the top 93.6%.
Is NSTS Bancorp's PS Ratio too high?
NSTS Bancorp's current PS Ratio of 6.90 is near median its 10-year median of 6.93. Over the past 10 years, this metric has ranged from a low of 5.74 to a high of 13.08. The Banks industry median PS Ratio is 3.04. NSTS Bancorp's value of 6.90 is 127% above this industry median. Based on the distribution chart, NSTS Bancorp ranks #1415 out of 1511 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 PS Ratio compare to MNMB and ORBN?
According to the Banks industry distribution chart, NSTS Bancorp ranks #1415 out of 1511 companies for PS Ratio. This places NSTS Bancorp in the lower half of its industry. The industry median PS Ratio is 3.04. NSTS Bancorp's value of 6.90 is 127% above this benchmark. Historically, NSTS Bancorp's own PS Ratio has ranged from 5.74 to 13.08 over the past decade. While the company's 10-year median is 6.93 vs. the industry median of 3.04, NSTS Bancorp has consistently been above 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.04, based on 1,511 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NSTS Bancorp's current PS Ratio of 6.90 is 127% above 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on NSTS Bancorp and its competitors. For the Banks industry, the median PS Ratio is 3.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NSTS Bancorp's current PS Ratio is 6.90, which is near median its own 10-year median of 6.93. 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 PS Ratio is 6.90, which is near median its 10-year median of 6.93 and 127% above the Banks industry median of 3.04. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For NSTS Bancorp (NSTS), the current PS Ratio is 6.90 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:
PS Ratio: 6.90 (near median its 10-year median of 6.93)
GF Value™: $13.85 vs. price of $13.80 (0.4% below fair value)
Industry Position: 127% above the Banks median (#1415 of 1511)
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
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