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Nsts Bancorp cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$2.9M in Q2 2026 · $14.5M over twelve months

Operating cash flow$2.9M
Capital spending−$21K
Free cash flow+$2.9M

Analysis

In Q2 2026, Nsts Bancorp generated $2.9M of operating cash flow and spent $21K on capital projects, leaving free cash flow of $2.9M. That is $2.3M more than in Q2 2025 ($616K).

Over the twelve months to Jun 30, 2026, operating cash flow was $14.5M; the largest uses were other financing ($8.6M), other investing ($5.8M), taxes on employees’ shares ($122K); the cash balance rose by $34K.

Operating cash flow was $2.9M against net income of −$204K. The largest differences: stock-based pay +$415K, depreciation & amortization +$74K, accrued liabilities +$20K.

Free cash flow

Nsts Bancorp: free cash flow by quarterNsts Bancorp: free cash flow by quarter$1.6MQ3 2024$9.2MQ4 2024−$2.7MQ1 2025$616KQ2 2025$2.9MQ3 2025$3.2MQ4 2025$5.5MQ1 2026$2.9MQ2 2026
Operating cash flow less capital spending.
Nsts Bancorp: operating cash flow against capital spendingNsts Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$1.6M$52KQ3 2024$9.4M$135KQ4 2024−$2.7M$54KQ1 2025$655K$39KQ2 2025$2.9M$3KQ3 2025$3.2M$8KQ4 2025$5.5M$16KQ1 2026$2.9M$21KQ2 2026
Latest (Q2 2026): Operating cash flow $2.9M, Capital spending $21K.

Capital allocation, year by year

Nsts Bancorp: where the cash came from (up) and went (down), by fiscal yearNsts Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingBuybacksFY2021: Operating cash flow $1.5MFY2021: Capital spending −$142K$1.5MFY2021FY2022: Operating cash flow $3.0MFY2022: Shares issued $49.4MFY2022: Capital spending −$215K$52.4MFY2022FY2023: Operating cash flow $431KFY2023: Capital spending −$516KFY2023: Buybacks −$2.4M$431KFY2023FY2024: Operating cash flow $9.4MFY2024: Shares issued $215KFY2024: Capital spending −$319KFY2024: Buybacks −$970K$9.6MFY2024FY2025: Operating cash flow $4.1MFY2025: Shares issued $215KFY2025: Capital spending −$104K$4.3MFY2025
Over these 5 years operating cash flow totalled $18.4M; the largest uses were buybacks ($3.4M) and capital spending ($1.3M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$47.5M
Debtnone
Net cash$47.5M

Nsts Bancorp funds itself: free cash flow was $14.5M over the last twelve months, with $47.5M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Nsts Bancorp: sources (+) and uses (−) of cash, Q2 2026Nsts Bancorp: sources (+) and uses (−) of cash, Q2 2026Cash drawn (+) / kept (−)−$4.1MOperating cash flow$2.9MOther investing$1.9MOther financing−$686KCapital spending−$21K
Nsts Bancorp: sources (+) and uses (−) of cash, TTM to Q2 2026Nsts Bancorp: sources (+) and uses (−) of cash, TTM to Q2 2026Operating cash flow$14.5MOther financing−$8.6MOther investing−$5.8MTaxes on employees’ shares−$122KCapital spending−$48KCash drawn (+) / kept (−)−$34K

From profit to cash

Nsts Bancorp: net income to operating cash flow, Q2 2026Nsts Bancorp: net income to operating cash flow, Q2 2026Net income−$204KDepreciation & amortization$74KStock-based pay$415KDeferred taxes−$9KAccrued liabilities$20KOperating cash flow$2.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksShares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026$2.9M−$21K——−$4.1M$2.9M
Q1 2026$5.5M−$16K——−$9.3M$5.5M
Q4 2025$3.2M−$8K—$215K$93K$3.2M
Q3 2025$2.9M−$3K——$13.4M$2.9M
Q2 2025$655K−$39K——$10.0M$616K
Q1 2025−$2.7M−$54K——−$4.0M−$2.7M
Q4 2024$9.4M−$135K−$462K—−$18.9M$9.2M
Q3 2024$1.6M−$52K−$427K—−$2.2M$1.6M

Nsts Bancorp: income statement and cash flow

Nsts Bancorp, Q2 2026: revenue $3.2M (+27% year over year), operating margin -6.3%. The chart follows the revenue to costs, profit and cash.

Nsts Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.