NSTS

NSTS BancorpC

Nasdaq / Banks

At close

2026-07-22

Current thesis

Stable deposit funding, modest NII improvement and no capital remediation lead to above-consensus earnings and multiple expansion toward low-mid teens.

Posture

Mixed

Lead driver

Momentum

What changed

Momentum remains the lead driver in the composite.

What can break

Deposit outflows or funding-cost pressure compressing NIM

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $12.50 · Bull $14.00 · Bear $10.00

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-03-15 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Why

Momentum74 · Δ7d -

Value37 · Δ7d +1.1

Sentiment47 · Δ7d -

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Value

39% active weight

Current posture

7d trendImproving

Δ7d

+1.1

Δ21d

+2.1

Sentiment

34% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Why this grade

Composite grade C. Momentum 74.5 / Value 37.2 / Sentiment 46.5

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$72.66M

Beta

0.11

Shares Out

5.26M

P/E (TTM) · Derived

-174.8

P/S (TTM)

6.96

P/FCF (TTM)

6.75

Rev YoY

+5.1%

EPS YoY

-88.2%

Gross Margin

Op Margin

-5.9%

Net Debt

-$1.24M

Current Ratio

0.37

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology