NSTS

NSTS Bancorp, Inc. (NSTS) ESG Analysis Analysis (2026)

Invetso Score: 5.7/10 — Balanced · Last Updated: 2026-09-01

Monthly Update

No material changes this month.

Environmental

Score: 5.2 (Moderate)

NSTS shows limited disclosed environmental intensity data, which constrains peer comparison and suggests a less transparent profile than larger peers with fuller emissions reporting.

Zero reported R&D-to-revenue indicates no visible environmental innovation spend, leaving its transition preparedness less evidenced than peers investing in cleaner processes.

The absence of provided emissions, energy, or waste metrics prevents confirmation of operational efficiency, so environmental positioning remains broadly average versus peers.

Low leverage can indirectly support environmental compliance spending, but the available metrics do not show a clear sustainability advantage over peers.

Social

Score:

Stock-based compensation at 8.6% of revenue indicates meaningful employee incentive alignment, but the level is not enough to distinguish NSTS clearly from peers.

The lack of disclosed workforce, safety, turnover, or customer-impact metrics limits evidence of stronger social management relative to peers.

High gross margin can support training and retention capacity, yet this financial proxy does not directly demonstrate superior social outcomes versus peers.

Overall social positioning appears balanced rather than leading, because available disclosures show some alignment but insufficient proof of stronger stakeholder management.

Governance

Score:

Debt-to-equity of 0.36 suggests moderate balance-sheet discipline, which generally lowers governance stress versus more levered peers.

Net debt to EBITDA of 108.1 is extremely elevated, implying weaker capital structure oversight than peers and increasing governance scrutiny around leverage management.

Stock-based compensation at 8.6% of revenue can align management with shareholders, but it also raises dilution concerns relative to peers with tighter pay structures.

The limited disclosure set prevents a stronger governance assessment, yet the available metrics indicate mixed oversight quality rather than clear peer leadership.

Overall Score

Score:

NSTS ranks as a moderate ESG performer versus peers because limited disclosure and mixed governance signals offset modest alignment and balance-sheet discipline.

Score Driver: Extremely High Net Debt To EBITDA Weakens The Overall ESG Profile Relative To Peers By Increasing Governance And Long-Term Sustainability Risk.

Sources

  • Company filings (10-K, 10-Q, investor presentations)
  • Financial and market data providers
  • Public news and industry information

🔒 Go Beyond This Framework

This is one of 10 institutional-grade frameworks Invetso runs on NSTS Bancorp, Inc.. Unlock the complete analysis — SWOT, Economic Moat, Porter’s Five Forces, Management, PESTLE and the Invetso Quality Score.

Create your free account on Invetso →