Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $255K | $289K | $291K | $270K | $256K | $252K |
| Revenue growth | — | 13.3% | 0.7% | -7.2% | -5.2% | -1.6% |
| Net income | -$112K | -$55.0K | $27.0K | -$3.96M | -$789K | -$386K |
| Net margin | -43.9% | -19.0% | 9.3% | -1465.6% | -308.2% | -153.2% |
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Operating cash flow | -$620K | $1.45M | $2.99M | $431K | $9.43M | $4.05M |
| Capital expenditures | $104K | $142K | $215K | $516K | $319K | $104K |
| Free cash flow | -$724K | $1.31M | $2.77M | -$85.0K | $9.11M | $3.95M |
| Share buybacks | — | — | $0.00 | $2.38M | $970K | $0.00 |
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $31.9M | $122M | $13.1M | $31.4M | $53.5M | $34.0M |
| Total assets | $242M | $341M | $264M | $257M | $279M | $267M |
| Total liabilities | $195M | $296M | $184M | $179M | $202M | $187M |
| Shareholders' equity | $46.7M | $45.2M | $80.5M | $77.5M | $76.5M | $80.0M |
| Retained earnings | $45.3M | $45.3M | $45.3M | $41.1M | $40.3M | $39.9M |
| Shares (wtd avg diluted) | — | — | 4.73M | 5.00M | 4.91M | 4.89M |
Every figure is extracted from NSTS Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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