Filing Flows › Nsts Bancorp (NSTS) › Q4 2025
Nsts Bancorp (NSTS) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 27, 2026
Nsts Bancorp (NSTS) reported revenue of $2.5M for the fourth quarter 2025 (Q4 2025), +3% from a year earlier and +0.3% from the quarter before. Operating margin was 5.4%, net earnings $135K (5.4% of revenue).
Nsts Bancorp, Q4 2025: revenue $2.5M (+3% year over year), operating margin 5.4%, net earnings $135K, operating cash flow $3.2M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.5M | +0.3% | +3% |
| Operating profit | $135K | +108% | — |
| Net earnings | $135K | +108% | — |
| Operating cash flow | $3.2M | +12% | -66% |
| Free cash flow | $3.2M | +12% | -65% |
What changed
Revenue was $2.5M in Q4 2025, up 3% year over year and roughly flat from the previous quarter.
Operating profit was $135K, a 5.4% margin (up 7.2 points year over year). Total costs fell 4% while revenue rose 3%. Net earnings were $135K. The effective tax rate was 0.0%.
Operating cash flow was $3.2M (down 66% year over year), 2379% of net earnings. Non-cash charges added back $75K of depreciation and $174K of share-based compensation. Working capital and other items added $2.8M. Capital expenditures of $8K left free cash flow of $3.2M.
Questions
What was Nsts Bancorp's revenue in the fourth quarter 2025?
Nsts Bancorp (NSTS) reported revenue of $2.5M for the fourth quarter 2025 (Q4 2025), +3% from a year earlier and +0.3% from the quarter before.
Was Nsts Bancorp profitable in the fourth quarter 2025?
Operating profit was $135K (5.4% of revenue) and net earnings $135K.
Source: Nsts Bancorp 10-K on SEC EDGAR.