NSTS Bancorp, Inc. (NSTS) Fair Value 2026

NSTS · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.2 /10

32 fundamental signals · 2 models active

Value Trap Risk

SAFE (13/100)

Quick Summary — As of 2026-08-28, NSTS Bancorp, Inc. (NSTS) trades at $13.99, versus a $9.20 median fair value across its 2 active models — 34.2% below the current price. QOC: 6.2/10. Value Trap Risk: 13/100 (SAFE). 2/13 models active.

Key Facts

Ticker
NSTS
Price
$13.99
Quality Score
6.2/10
Value Trap Risk
13/100
Models Active
2/13
Last Updated
Strength: FTNN Topology suggests +16.8% upside with 7% confidence
Risk: Limited model coverage (2/13) may reduce confidence

Is NSTS Bancorp, Inc. (NSTS) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, NSTS Bancorp, Inc. (NSTS) appears overvalued as of : the median of 2 independent fair value estimates is $9.20, 34.2% below the current price of $13.99. Estimates range from $2.07 to $16.34. NSTS scores 6.2/10 on fundamental quality and 13/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. NSTS’s -34.2% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy NSTS Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give NSTS?

2 Intrinsic Value Models vs. Current Price ($13.99)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $2.07 -85.2%
Relative · Low Conviction
 $16.34 +16.8%

All Models Active

All 2 models are displayed above.

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 $9.20, presenting a divided outlook at the current price of $13.99. With a median implied return of -34.2% across a split 1–1 (bull–bear) consensus, the model spread of +102.0% underscores analytical uncertainty. Notably, FTNN sees the most upside at +16.8% (fair value: $16.34), while ML-RIV is the most conservative at -85.2% ($2.07). The spread between these extremes — +102.0% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About NSTS?

2 of 13 models are currently active for NSTS. Of these, 1 model suggests upside while 1 model suggests overvaluation. Taken together, their median fair value for NSTS is $9.20 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does NSTS Rank in Banks - Regional?

Among 352 Banks - Regional stocks, NSTS ranks #331 by Quality of Company score. CirclFi's QOC score of 6.2/10 evaluates 32 fundamental signals. A score of 6.2 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

NSTS Bancorp, Inc.'s positioning within the Banks - Regional segment means that loan loss provisions plays an outsized role in fundamental analysis. The sector's unique characteristics — including interest rate environment — shape both the opportunity set and risk profile.

Is NSTS a Value Trap?

CirclFi's Value Trap algorithm assigns NSTS a score of 13/100 (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

2 of 13 models are active for NSTS Bancorp, Inc.. Limited activation may indicate insufficient history. 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 6.2/10. 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 +102.0% — 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 2 active models, average confidence is 24%. 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 →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy NSTS Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

WSBKWinchester Bancorp, Inc.QOC 6.2OZKBank OZKQOC 6.1AVBCAvidia Bancorp, Inc.QOC 6.2BCOW1895 Bancorp of Wisconsin, Inc.QOC 6.1FSEAFirst Seacoast Bancorp, Inc.QOC 6.2PBHCPathfinder Bancorp, Inc.QOC 6.0FMFGFarmers and Merchants Bancshares, Inc.QOC 8.4FNRNFirst Northern Community BancorpQOC 8.1CFFIC&F Financial CorporationQOC 7.7STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: WSBK · OZK · AVBC · BCOW · FSEA · PBHC · FMFG · FNRN · CFFI · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to NSTS?

7 companies across all industries closest to NSTS’s Quality of Company score of 6.2/10.

RGPResources Connection, Inc.QOC 6.2CTRICenturi Holdings, Inc.QOC 6.2EQHEquitable Holdings, Inc.QOC 6.2DXYNThe Dixie Group, Inc.QOC 6.2PHUNPhunware, Inc.QOC 6.2JYDJayud Global Logistics LimitedQOC 6.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: RGP · CTRI · EQH · DXYN · PHUN · JYD · NVDA

Where Does NSTS Sit in CirclFi's Banks - Regional Rankings?

NSTS is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About NSTS Bancorp, Inc.’s Valuation?

What is NSTS Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts NSTS Bancorp, Inc. (NSTS)'s intrinsic value at $9.20 — the median of 2 independent model estimates as of 2026-08-28, ranging from $2.07 to $16.34. The Quality of Company score is 6.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is NSTS overvalued or undervalued right now?

At $13.99, 1 of 2 active models suggest NSTS may be undervalued, while 1 indicate potential overvaluation. The median of all 2 fair value estimates is $9.20, 34.2% below the current price of $13.99 — a consensus view that NSTS is overvalued. The assessment depends on which methodology best fits NSTS Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 6.2 mean for NSTS?

NSTS Bancorp, Inc.'s QOC of 6.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on NSTS?

CirclFi analyzes NSTS with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is NSTS a value trap in 2026?

NSTS Bancorp, Inc.'s Value Trap score is 13/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, NSTS Bancorp, Inc. (NSTS) has a median fair value of $9.20 — 34.2% below the current price of $13.99 — as of 2026-08-28.” Source: circlfi.com/stock/NSTS/ · Methodology
Primary sources for this NSTS valuation
  • Financial statements: NSTS Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001881592) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for NSTS as of ; valuations recomputed .