NSTS (NSTS Bancorp) ROC %: % (As of Jun. 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.
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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 ROC %?

NSTS Bancorp NSTS +0.64% 69 ROC % is % as of Jun. 2026. 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.

ROC %does not apply to banks.

NSTS
69GF Score
NSTS Bancorp Inc NSTS
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
NSTS Bancorp (NSTS) has a ROC % of % as of Jun. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on NSTS Bancorp and its competitors.
Is NSTS Bancorp's ROC % too high?
NSTS Bancorp's current ROC % is %. 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 ROC % compare to HFBK and CCBC?
NSTS Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.57, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on NSTS Bancorp and its competitors. For the Banks industry, the median ROC % is 1.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NSTS Bancorp's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For NSTS Bancorp (NSTS), the current ROC % is % 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:

  • ROC %: %
  • 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

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.14
Price
$14.96
GF Value