Is NSTS Bancorp, Inc. (NSTS) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 2.5% | |
| Net Margin | -5.8% | |
| Return on Equity (ROE) | -0.7% | |
| Return on Assets (ROA) | -0.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $9M |
| Free Cash Flow | $9M |
| Total Debt | $32M |
| Total Assets | $279M |
Price & Trading
| Last Close | $11.81 |
| 50-Day MA | $12.31 |
| 200-Day MA | $11.92 |
| Avg Volume | 3K |
| Beta | 0.1 |
|
52-Week Range
$10.72
| |
About NSTS Bancorp, Inc. (NSTS)
NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate mortgage, construction, and consumer loans. It also provides online banking services. The company operates through full-service banking offices in Lake County, Illinois; and loan production offices in Chicago, Plainfield, and Aurora. NSTS Bancorp, Inc. was founded in 1921 and is headquartered in Waukegan, Illinois.
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Frequently Asked Questions
Is NSTS Bancorp, Inc. (NSTS) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), NSTS Bancorp, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is NSTS Bancorp, Inc.'s debt ratio?
NSTS Bancorp, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are NSTS Bancorp, Inc.'s key financial metrics?
NSTS Bancorp, Inc. has a market capitalization of $57M, and revenue of $9M. Return on equity stands at -0.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.