What Is NSTS Bancorp, Inc. (NSTS) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, NSTS Bancorp, Inc.'s intrinsic value is estimated at $13.69, presenting a divided outlook at the current price of $13.78. With an average implied return of -0.7% across a split 3–6 (bull–bear) consensus, the model spread of +289.1% underscores analytical uncertainty. Notably, RCMH-DCF sees the most upside at +193.8% (fair value: $40.48), while ML-RIV is the most conservative at -95.3% ($0.64). The spread between these extremes — +289.1% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About NSTS?
12 of 13 models are currently active for NSTS. Of these, 3 models suggest upside while 9 models suggest overvaluation. The Bayesian DCF estimates NSTS's intrinsic value at $26.69, implying +93.7% upside from the current price. See which stocks rank higher →
How Does NSTS Rank in Savings Institution, Federally Chartered?
Among 36 Savings Institution, Federally Chartered stocks, NSTS ranks #30 by Quality of Company score. CirclFi's QOC score of 6.5/10 evaluates 32 fundamental signals. A score of 6.5 indicates above-average quality.
See all Most Undervalued Savings Institution, Federally Chartered Stocks →
NSTS Bancorp, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is NSTS a Value Trap?
CirclFi's Value Trap algorithm assigns NSTS a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for NSTS Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, NSTS Bancorp, Inc. earns a quality score of 6.5/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +289.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every NSTS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across NSTS's 12 active models, average confidence is 33%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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