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Nsts Bancorp (NSTS) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 13, 2026 · Nsts Bancorp (NSTS) Q2 2026 earnings results →
Q2 2026 Revenue up 27% year over year to $3.2M · 6¢ of every $1 of revenue lost · operating margin -6.3%
Nsts Bancorp made $3.2M in Q2 2026 (+27% Y/Y). Operating margin -6.3%, net loss $204K. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 13, 2026.
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Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $3.2M in Q2 2026, up 27% year over year and up 29% from the previous quarter.
Operating costs exceeded revenue by $204K, an operating margin of -6.3%. Total costs grew 23% against revenue growth of 27%. The fastest-growing cost line was Noninterest expense (+25%). The quarter ended with a net loss of $204K, wider than the previous quarter's $39K loss.
Operating cash flow was $2.9M (up 345% year over year). Non-cash charges added back $74K of depreciation and $415K of share-based compensation. Working capital and other items added $2.6M. Capital expenditures of $21K left free cash flow of $2.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 13, 2026 | $3.2M | +27% | -6.3% | −$204K | $2.9M |
| Q1 2026 | 10-Q | May 14, 2026 | $2.5M | +16% | -1.6% | −$39K | $5.5M |
| Q4 2025 | 10-K | Mar 27, 2026 | $2.5M | +3% | 5.4% | $135K | $3.2M |
| Q3 2025 | 10-Q | Nov 13, 2025 | $2.5M | +11% | 2.6% | $65K | $2.9M |
| Q2 2025 | 10-Q | Aug 14, 2025 | $2.5M | +11% | -10.1% | −$258K | $655K |
| Q1 2025 | 10-Q | May 14, 2025 | $2.2M | +7% | -15.2% | −$328K | −$2.7M |
| Q4 2024 | 10-K | Mar 28, 2025 | $2.4M | 36× | -1.9% | −$46K | $9.4M |
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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About Nsts Bancorp
This filing contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect” and words of similar meaning. These forward-looking statements include, but are not limited to: These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.
In its own words, from its 10-K, filed Mar 27, 2026.
Nsts Bancorp against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +27% against the peers' median +8%. Operating margin: -6.3% against the peers' median 35.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| NSTS Nsts Bancorp | Q2 2026 | $3.2M | +27% | -6.3% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
Source: Nsts Bancorp 10-Q on SEC EDGAR · CIK 1881592 · Savings Institution, Federally Chartered
More on NSTS
History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results