Filing Flows › Nsts Bancorp (NSTS) › Q3 2025
Nsts Bancorp (NSTS) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 13, 2025
Nsts Bancorp (NSTS) reported revenue of $2.5M for the third quarter 2025 (Q3 2025), +11% from a year earlier and -1% from the quarter before. Operating margin was 2.6%, net earnings $65K (2.6% of revenue).
Nsts Bancorp, Q3 2025: revenue $2.5M (+11% year over year), operating margin 2.6%, net earnings $65K, operating cash flow $2.9M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.5M | -1% | +11% |
| Operating profit | $65K | — | — |
| Net earnings | $65K | — | — |
| Operating cash flow | $2.9M | +337% | +77% |
| Free cash flow | $2.9M | +364% | +83% |
What changed
Revenue was $2.5M in Q3 2025, up 11% year over year and down 1% from the previous quarter.
Operating profit was $65K, a 2.6% margin (up 10.2 points year over year). Total costs grew 1% against revenue growth of 11%. Net earnings were $65K. The effective tax rate was 0.0%.
Operating cash flow was $2.9M (up 77% year over year), 4403% of net earnings. Non-cash charges added back $75K of depreciation and $172K of share-based compensation. Working capital and other items added $2.5M. Capital expenditures of $3K left free cash flow of $2.9M.
Questions
What was Nsts Bancorp's revenue in the third quarter 2025?
Nsts Bancorp (NSTS) reported revenue of $2.5M for the third quarter 2025 (Q3 2025), +11% from a year earlier and -1% from the quarter before.
Was Nsts Bancorp profitable in the third quarter 2025?
Operating profit was $65K (2.6% of revenue) and net earnings $65K.
Source: Nsts Bancorp 10-Q on SEC EDGAR.