NSTS Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	-0.57	-0.79	-3.96	0.03	-0.06	-0.11
Depreciation & Amortization	0.3	0.29	0.27	0.27	0.27	0.29
Provision for Credit Losses	-0.15	0.07	0.18	-0.23	-0.02	0.46
Stock-Based Compensation	0.76	0.98	0.72	0.25	-	-
Net Change in Loans Held-for-Sale	11.32	8.79	-0.35	0.21	2.28	-0.46
Other Adjustments	-1.15	-1.1	3.1	1.75	0.2	-0.2
Changes in Accrued Interest and Accounts Receivable	-0.54	-0.05	0.17	0.65	-1.27	-0.27
Changes in Accrued Expenses	-0.66	1.23	0.31	0.07	0.05	-0.33
Operating Cash Flow	10.2	9.43	0.43	2.99	1.45	-0.62
Operating Cash Flow Growth	7083.10%	2088.63%	-85.58%	105.85%	-	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	0.5	2.49	-1.01	8.97	7.74
Net Change in Loans Held-for-Investment	-7.67	-18.14	-17.82	-6.6	1.77	-1.24
Net Change in Securities and Investments	7.63	9.8	40.8	-36.66	-22.64	-12.32
Capital Expenditures	-0.23	-0.32	-0.52	-0.22	-0.14	-0.1
Sale of Property, Plant & Equipment	-	-	-	-	0.19	-
Investing Cash Flow	-11.63	-8.16	24.95	-44.48	-11.85	-5.93
Net Change in Deposits	6.55	21.69	-9.76	-107.1	99.14	2.04
Long-Term Debt Issued	-	-	15	-	5	4
Long-Term Debt Repaid	-2.5	-	-10	-5	-4	-
Net Long-Term Debt Issued (Repaid)	-2.5	-	5	-5	1	4
Issuance of Common Stock	-	0.22	-	49.44	-	-
Repurchase of Common Stock	-0.52	-1.08	-2.38	-	-	-
Net Common Stock Issued (Repurchased)	-0.52	-0.86	-2.38	49.44	-	-
Other Financing Activities	-	-	-	-4.32	-	-
Financing Cash Flow	6.33	20.82	-7.14	-66.98	100.14	6.04
Net Cash Flow	-0.46	22.09	18.24	-108.46	89.74	-0.51
Free Cash Flow	9.97	9.11	-0.09	2.77	1.31	-0.72
Free Cash Flow Growth	9.38%	-	-	111.76%	-	-
FCF Margin	101.73%	102.05%	-1.74%	39.35%	24.58%	-12.79%
Free Cash Flow Per Share	2.04	1.86	-0.02	0.59	-	-0.23
Levered Free Cash Flow	-4.19	0.37	1.27	-4.2	-0.15	3.47
Unlevered Free Cash Flow	-1.12	1.16	0.23	0.77	-1.09	-0.42

Updated Sep 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q