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Side-by-side financial comparison of CaliberCos Inc. (CWD) and NSTS Bancorp, Inc. (NSTS). Click either name above to swap in a different company.
CaliberCos Inc. is the larger business by last-quarter revenue ($4.1M vs $2.5M, roughly 1.6× NSTS Bancorp, Inc.). NSTS Bancorp, Inc. runs the higher net margin — 214.3% vs -188.3%, a 402.6% gap on every dollar of revenue. On growth, NSTS Bancorp, Inc. posted the faster year-over-year revenue change (3.0% vs -52.5%). Over the past eight quarters, NSTS Bancorp, Inc.'s revenue compounded faster (11.7% CAGR vs -57.6%).
CaliberCos Inc. is a U.S.-headquartered alternative asset management firm focused primarily on real estate investments. It offers a diverse suite of investment vehicles covering commercial, residential, and industrial real estate assets, serving institutional investors, high-net-worth individuals, and retail clients across North America. It also delivers asset management, property operation, and value-add real estate development services to support consistent long-term returns for investors.
NSTS Bancorp, Inc. is a U.S.-based bank holding company. It offers a comprehensive suite of retail and commercial banking products and services, including deposit accounts, personal loans, commercial loans, and wealth management solutions, primarily serving individual consumers and small-to-medium enterprises in its regional operating areas.
CWD vs NSTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $4.1M | $2.5M |
| Net Profit | $-7.7M | $135.0K |
| Gross Margin | — | — |
| Operating Margin | -196.6% | — |
| Net Margin | -188.3% | 214.3% |
| Revenue YoY | -52.5% | 3.0% |
| Net Profit YoY | 32.2% | 393.5% |
| EPS (diluted) | $1.95 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $4.1M | $2.5M | ||
| Q3 25 | $3.6M | $2.5M | ||
| Q2 25 | $5.1M | $2.5M | ||
| Q1 25 | $7.3M | $2.2M | ||
| Q4 24 | $8.7M | $2.4M | ||
| Q3 24 | $11.3M | $2.3M | ||
| Q2 24 | $8.2M | $2.3M | ||
| Q1 24 | $23.0M | $2.0M |
| Q4 25 | $-7.7M | $135.0K | ||
| Q3 25 | $-4.4M | $65.0K | ||
| Q2 25 | $-5.3M | $-258.0K | ||
| Q1 25 | $-4.4M | $-328.0K | ||
| Q4 24 | $-11.4M | $-46.0K | ||
| Q3 24 | $146.0K | $-171.0K | ||
| Q2 24 | $-4.7M | $-326.0K | ||
| Q1 24 | $-3.8M | $-246.0K |
| Q4 25 | -196.6% | — | ||
| Q3 25 | -129.6% | 2.6% | ||
| Q2 25 | -112.4% | -10.1% | ||
| Q1 25 | -62.7% | -15.2% | ||
| Q4 24 | -236.8% | -71.9% | ||
| Q3 24 | 0.0% | -7.6% | ||
| Q2 24 | -65.0% | -14.2% | ||
| Q1 24 | -22.9% | -12.2% |
| Q4 25 | -188.3% | 214.3% | ||
| Q3 25 | -120.2% | 2.6% | ||
| Q2 25 | -104.5% | -10.1% | ||
| Q1 25 | -60.7% | -15.2% | ||
| Q4 24 | -247.6% | -71.9% | ||
| Q3 24 | 1.3% | -7.6% | ||
| Q2 24 | -57.8% | -14.2% | ||
| Q1 24 | -16.6% | -12.2% |
| Q4 25 | $1.95 | — | ||
| Q3 25 | $-1.65 | $0.01 | ||
| Q2 25 | $-4.15 | — | ||
| Q1 25 | $-3.85 | — | ||
| Q4 24 | $-10.15 | — | ||
| Q3 24 | $0.12 | $-0.03 | ||
| Q2 24 | $-4.34 | — | ||
| Q1 24 | $-3.53 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $2.9M | $34.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3M | $80.0M |
| Total Assets | $135.4M | $266.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.9M | $34.0M | ||
| Q3 25 | $10.9M | $34.1M | ||
| Q2 25 | $683.0K | $47.5M | ||
| Q1 25 | $1.6M | $57.5M | ||
| Q4 24 | $2.3M | $53.5M | ||
| Q3 24 | $1.6M | $34.6M | ||
| Q2 24 | $1.8M | $32.4M | ||
| Q1 24 | $2.1M | $36.4M |
| Q4 25 | $1.3M | $80.0M | ||
| Q3 25 | $4.2M | $78.9M | ||
| Q2 25 | $-19.9M | $77.8M | ||
| Q1 25 | $-15.8M | $77.5M | ||
| Q4 24 | $-12.6M | $76.5M | ||
| Q3 24 | $-3.8M | $78.4M | ||
| Q2 24 | $-4.7M | $76.5M | ||
| Q1 24 | $-745.0K | $77.0M |
| Q4 25 | $135.4M | $266.6M | ||
| Q3 25 | $82.6M | $269.8M | ||
| Q2 25 | $59.3M | $276.0M | ||
| Q1 25 | $103.6M | $282.7M | ||
| Q4 24 | $105.5M | $278.7M | ||
| Q3 24 | $158.6M | $268.4M | ||
| Q2 24 | $195.2M | $265.9M | ||
| Q1 24 | $201.5M | $265.6M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-12.1M | $4.1M |
| Free Cash FlowOCF − Capex | — | $3.9M |
| FCF MarginFCF / Revenue | — | 156.9% |
| Capex IntensityCapex / Revenue | — | 4.1% |
| Cash ConversionOCF / Net Profit | — | 30.01× |
| TTM Free Cash FlowTrailing 4 quarters | — | $4.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.1M | $4.1M | ||
| Q3 25 | $-4.6M | $2.9M | ||
| Q2 25 | $-1.2M | $655.0K | ||
| Q1 25 | $-1.7M | $-2.7M | ||
| Q4 24 | $555.0K | $9.4M | ||
| Q3 24 | $-74.0K | $1.6M | ||
| Q2 24 | $1.4M | $-1.6M | ||
| Q1 24 | $-1.5M | $92.0K |
| Q4 25 | — | $3.9M | ||
| Q3 25 | — | $2.9M | ||
| Q2 25 | — | $616.0K | ||
| Q1 25 | — | $-2.7M | ||
| Q4 24 | — | $9.1M | ||
| Q3 24 | — | $1.6M | ||
| Q2 24 | — | $-1.7M | ||
| Q1 24 | — | $76.0K |
| Q4 25 | — | 156.9% | ||
| Q3 25 | — | 113.9% | ||
| Q2 25 | — | 24.2% | ||
| Q1 25 | — | -126.1% | ||
| Q4 24 | — | 373.1% | ||
| Q3 24 | — | 69.3% | ||
| Q2 24 | — | -76.4% | ||
| Q1 24 | — | 3.8% |
| Q4 25 | — | 4.1% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | 13.1% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 5.1% | ||
| Q1 24 | — | 0.8% |
| Q4 25 | — | 30.01× | ||
| Q3 25 | — | 44.03× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -0.51× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
