Estados financieros detallados de NSTS Bancorp, Inc. (NSTS): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
NSTS Bancorp, Inc. registró ingresos de $13.3M en el último ejercicio fiscal, con un CAGR de 5 años del 12.2%.
Márgenes de los últimos 12 meses: margen bruto 79.0%, margen operativo -0.3%, margen neto -0.3%.
Al precio actual de $14.06, NSTS presenta beneficios negativos (P/E no significativo) y un ROE del -0.05%. La capitalización bursátil es de $74M.
Cuenta de Resultados (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $7.8M | $7.5M | $6.1M | $7.5M | $6.5M | $12.0M | $13.3M |
| Coste de Ventas | $1.8M | $2.0M | $917000 | $534000 | $1.7M | $3.3M | $3.3M |
| Beneficio Bruto | $6.0M | $5.5M | $5.2M | $7.0M | $4.8M | $8.7M | $9.9M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $4.2M | $4.6M | $3.7M | $4.5M | $5.2M | $6.8M | $141000 |
| Gastos Operativos | $5.6M | $6.1M | $5.5M | $6.8M | $7.7M | $9.5M | $10.3M |
| Beneficio Operativo | $328072 | -$615000 | -$269000 | $173000 | -$3.0M | -$789000 | -$386000 |
| EBITDA | $612431 | -$325000 | -$1000 | $440000 | -$2.7M | -$496000 | -$84000 |
| Gastos por Intereses | $1.7M | $1.5M | $940000 | $764000 | $1.5M | $3.2M | $3.5M |
| Beneficio Antes de Impuestos | $328072 | -$615000 | -$269000 | $173000 | -$3.0M | -$789000 | -$386000 |
| Impuestos | -$85739 | -$503000 | -$214000 | $146000 | $999000 | 0 | 0 |
| Beneficio Neto | $413811 | -$112000 | -$55000 | $27000 | -$4.0M | -$789000 | -$386000 |
| BPA | $0.08 | $-0.02 | $-0.01 | $0.01 | $-0.79 | $-0.16 | $-0.08 |
| BPA Diluido | $0.08 | $-0.02 | $-0.01 | $0.01 | $-0.79 | $-0.16 | $-0.08 |
| Acciones en Circulación (Diluidas) | $5.4M | $5.4M | $5.4M | $4.7M | $5.0M | $4.9M | $4.9M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $3.3M | $3.3M | $3.2M | $4.0M |
| Beneficio Bruto | $2.5M | $2.7M | $2.5M | $3.2M |
| Beneficio Operativo | $65000 | $135000 | -$39000 | -$204000 |
| EBITDA | $140000 | $210000 | $37000 | -$130000 |
| Beneficio Neto | $65000 | $135000 | -$39000 | -$204000 |
| BPA | $0.01 | $0.03 | $-0.01 | $-0.04 |
| BPA Diluido | $0.01 | $0.03 | $-0.01 | $-0.04 |
Balance (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $52.5M | $44.3M | $125.1M | $17.6M | $33.4M | $55.0M | $35.3M |
| Inversiones a Corto | $68.6M | $81.6M | $101.0M | $121.2M | $4.3M | $1.0M | $1.6M |
| Cuentas por Cobrar | $636319 | $672051 | $641000 | $852000 | $758000 | $870000 | $925000 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $121.8M | $126.6M | $226.7M | $139.7M | $38.4M | $56.8M | $37.8M |
| Inmovilizado Material | $5.4M | $5.2M | $5.1M | $5.0M | $5.3M | $5.3M | $5.1M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $235.5M | $242.2M | $340.9M | $264.2M | $256.8M | $278.7M | $266.6M |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $169.7M | $165.4M | $173.7M | $152.0M | $142.4M | $165.1M | $155.5M |
| Deuda a Largo | $20.1M | $30.1M | $122.0M | $31.6M | $32.8M | $31.8M | $27.6M |
| Pasivos Totales | $189.8M | $195.5M | $295.7M | $183.7M | $179.2M | $202.2M | $186.7M |
| Reservas | $45.4M | $45.3M | $45.3M | $45.3M | $41.1M | $40.3M | $39.9M |
| Patrimonio Neto | $45.8M | $46.7M | $45.2M | $80.5M | $77.5M | $76.5M | $80.0M |
| Deuda Total | $20.1M | $30.1M | $122.0M | $31.6M | $32.8M | $31.8M | $27.6M |
| Deuda Neta | -$101.1M | -$95.8M | -$104.0M | -$107.2M | -$4.9M | -$24.1M | -$9.3M |
| Capital Circulante | -$48.0M | -$38.8M | $53.0M | -$12.3M | -$104.0M | -$108.2M | -$117.7M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $35.4M | $35.3M | $44.4M | $1.1M |
| Activos Totales | $269.8M | $266.6M | $270.3M | $269.9M |
| Pasivos Totales | $190.9M | $186.7M | $190.3M | $189.8M |
| Patrimonio Neto | $78.9M | $80.0M | $80.0M | $80.1M |
| Deuda Total | $25.5M | $27.6M | $28.4M | $28.9M |
Flujo de Caja (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $413811 | -$112000 | -$55000 | $27000 | -$4.0M | -$789000 | -$386000 |
| Amortizaciones | $284359 | $290438 | $268000 | $267000 | $266000 | $293000 | $302000 |
| Compensación en Acciones | 0 | 0 | 0 | $246000 | $718000 | $981000 | $924000 |
| Cambio en Capital Circulante | $458394 | -$605000 | -$1.6M | $786000 | $1.5M | $1.0M | -$1.4M |
| Flujo de Caja Operativo | $1.7M | -$620000 | $1.5M | $3.0M | $431000 | $9.4M | $4.1M |
| Inversiones (CapEx) | -$114132 | -$104000 | -$142000 | -$215000 | -$516000 | -$319000 | -$104000 |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | 0 | 0 | -$2.4M | -$1.1M | -$114000 |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | $1.6M | -$724000 | $1.3M | $2.8M | -$85000 | $9.1M | $3.9M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $2.9M | $3.2M | $5.5M | $2.9M |
| Inversiones (CapEx) | -$3000 | -$147000 | -$16000 | $16000 |
| Flujo de Caja Libre | $2.9M | $3.1M | $5.5M | $2.9M |
| Dividendos Pagados | 0 | 0 | 0 | 0 |
| Compensación en Acciones | $236000 | $365000 | $173000 | $415000 |
Crecimiento y Márgenes (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | -3.9% | -18.1% | +22.6% | -13.8% | +86.2% | +10.2% |
| Crecimiento Beneficio Neto (anual) | | -127.1% | +50.9% | +149.1% | -14755.6% | +80.1% | +51.1% |
| Crecimiento BPA (anual) | | -127.0% | +50.7% | +198.0% | -8000.0% | +79.7% | +50.6% |
| Cambio en Acciones (anual) | | +0.0% | +0.0% | -12.4% | +5.8% | -1.9% | -0.5% |
| Crecimiento FCF (anual) | | -144.4% | +280.9% | +111.8% | -103.1% | +10822.4% | -56.7% |
| Margen Bruto | 76.6% | 73.9% | 85.0% | 92.9% | 73.9% | 72.5% | 74.8% |
| Margen Operativo | 4.2% | -8.2% | -4.4% | 2.3% | -45.8% | -6.6% | -2.9% |
| Margen EBITDA | 7.9% | -4.3% | -0.0% | 5.9% | -41.7% | -4.1% | -0.6% |
| Margen Neto | 5.3% | -1.5% | -0.9% | 0.4% | -61.2% | -6.6% | -2.9% |
| Margen FCF | 20.9% | -9.7% | 21.4% | 37.0% | -1.3% | 75.7% | 29.8% |
| Tasa Impositiva Efectiva | -26.1% | 81.8% | 79.6% | 84.4% | -33.8% | -0.0% | -0.0% |
Datos por Acción (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.30 | $-0.13 | $0.24 | $0.59 | $-0.02 | $1.86 | $0.81 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Acciones en Circulación (Básicas) | $5.4M | $5.4M | $5.4M | $4.7M | $5.0M | $4.9M | $4.9M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | -0.05% |
| Rentabilidad sobre capital invertido | 0.06% |
| Rentabilidad sobre activos | -0.02% |
| Margen bruto | 78.95% |
| Margen operativo | -0.31% |
| Margen neto | -0.31% |
Salud financiera
| Deuda / Patrimonio | 0.36 |
| Ratio corriente | 0.49 |
Ratios Clave (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 164.15 | -608.21 | -1234.31 | 1013.00 | -12.04 | -73.75 | -163.92 |
| P/VC | 1.49 | 1.45 | 1.50 | 0.59 | 0.61 | 0.76 | 0.79 |
| P/V | 8.74 | 9.09 | 11.11 | 6.39 | 7.37 | 4.82 | 4.77 |
| Margen Bruto | 76.6% | 73.9% | 85.0% | 92.9% | 73.9% | 72.5% | 74.8% |
| Margen Operativo | 4.2% | -8.2% | -4.4% | 2.3% | -45.8% | -6.6% | -2.9% |
| Margen Neto | 5.3% | -1.5% | -0.9% | 0.4% | -61.2% | -6.6% | -2.9% |