NSTS Bancorp, Inc. (NSTS)

NSTS Bancorp Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-0.39	-0.79	-3.96	0.03	-0.06
Depreciation & Amortization	0.3	0.29	0.27	0.27	0.27
Provision for Credit Losses	-0.19	0.07	0.18	-0.23	-0.02
Stock-Based Compensation	0.92	0.98	0.72	0.25	-
Net Change in Loans Held-for-Sale	6.16	8.79	-0.35	0.21	2.28
Other Adjustments	-0.2	-1.1	3.1	1.75	0.2
Changes in Accrued Interest and Accounts Receivable	-0.87	-0.05	0.17	0.65	-1.27
Changes in Accrued Expenses	-1.68	1.23	0.31	0.07	0.05
Operating Cash Flow	4.05	9.43	0.43	2.99	1.45
Operating Cash Flow Growth	-57.04%	2088.63%	-85.58%	105.85%	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	0.25	0.5	2.49	-1.01	8.97
Net Change in Loans Held-for-Investment	-5.94	-18.14	-17.82	-6.6	1.77
Net Change in Securities and Investments	-3.97	9.8	40.8	-36.66	-22.64
Capital Expenditures	-0.1	-0.32	-0.52	-0.22	-0.14
Sale of Property, Plant & Equipment	-	-	-	-	0.19
Investing Cash Flow	-9.77	-8.16	24.95	-44.48	-11.85
Net Change in Deposits	-8.82	21.69	-9.76	-107.1	99.14
Long-Term Debt Issued	-	-	15	-	5
Long-Term Debt Repaid	-5	-	-10	-5	-4
Net Long-Term Debt Issued (Repaid)	-5	-	5	-5	1
Issuance of Common Stock	0.22	0.22	-	49.44	-
Repurchase of Common Stock	-0.11	-1.08	-2.38	-	-
Net Common Stock Issued (Repurchased)	0.1	-0.86	-2.38	49.44	-
Other Financing Activities	-	-	-	-4.32	-
Financing Cash Flow	-13.72	20.82	-7.14	-66.98	100.14
Net Cash Flow	-19.44	22.09	18.24	-108.46	89.74
Free Cash Flow	3.95	9.11	-0.09	2.77	1.31
Free Cash Flow Growth	-56.68%	-	-	111.76%	-
FCF Margin	39.77%	102.05%	-1.74%	39.35%	24.58%
Free Cash Flow Per Share	0.81	1.86	-0.02	0.59	-
Levered Free Cash Flow	-7.74	0.37	1.27	-4.2	-0.15
Unlevered Free Cash Flow	-2.35	1.16	0.23	0.77	-1.09

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q