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Side-by-side financial comparison of NSTS Bancorp, Inc. (NSTS) and SOCIETY PASS INCORPORATED. (SOPA). Click either name above to swap in a different company.
NSTS Bancorp, Inc. is the larger business by last-quarter revenue ($2.5M vs $1.4M, roughly 1.8× SOCIETY PASS INCORPORATED.). NSTS Bancorp, Inc. runs the higher net margin — 214.3% vs -370.8%, a 585.1% gap on every dollar of revenue. On growth, NSTS Bancorp, Inc. posted the faster year-over-year revenue change (3.0% vs -17.6%). NSTS Bancorp, Inc. produced more free cash flow last quarter ($3.9M vs $-16.7M). Over the past eight quarters, NSTS Bancorp, Inc.'s revenue compounded faster (11.7% CAGR vs -11.2%).
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.
The Wilderness Society is an Australian, community-based, not-for-profit non-governmental environmental advocacy organisation.
NSTS vs SOPA — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.5M | $1.4M |
| Net Profit | $135.0K | $-5.1M |
| Gross Margin | — | 64.3% |
| Operating Margin | — | -379.9% |
| Net Margin | 214.3% | -370.8% |
| Revenue YoY | 3.0% | -17.6% |
| Net Profit YoY | 393.5% | -271.5% |
| EPS (diluted) | — | $-0.89 |
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 | $2.5M | — | ||
| Q3 25 | $2.5M | $1.4M | ||
| Q2 25 | $2.5M | $2.5M | ||
| Q1 25 | $2.2M | $1.5M | ||
| Q4 24 | $2.4M | $1.9M | ||
| Q3 24 | $2.3M | $1.7M | ||
| Q2 24 | $2.3M | $1.7M | ||
| Q1 24 | $2.0M | $1.8M |
| Q4 25 | $135.0K | — | ||
| Q3 25 | $65.0K | $-5.1M | ||
| Q2 25 | $-258.0K | $479.0K | ||
| Q1 25 | $-328.0K | $-1.8M | ||
| Q4 24 | $-46.0K | $-4.1M | ||
| Q3 24 | $-171.0K | $-1.4M | ||
| Q2 24 | $-326.0K | $-1.9M | ||
| Q1 24 | $-246.0K | $-2.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | 64.3% | ||
| Q2 25 | — | 56.5% | ||
| Q1 25 | — | 31.6% | ||
| Q4 24 | — | 28.9% | ||
| Q3 24 | — | 21.8% | ||
| Q2 24 | — | 27.1% | ||
| Q1 24 | — | 26.7% |
| Q4 25 | — | — | ||
| Q3 25 | 2.6% | -379.9% | ||
| Q2 25 | -10.1% | -6.1% | ||
| Q1 25 | -15.2% | -126.6% | ||
| Q4 24 | -71.9% | -165.6% | ||
| Q3 24 | -7.6% | -70.1% | ||
| Q2 24 | -14.2% | -126.0% | ||
| Q1 24 | -12.2% | -156.6% |
| Q4 25 | 214.3% | — | ||
| Q3 25 | 2.6% | -370.8% | ||
| Q2 25 | -10.1% | 19.1% | ||
| Q1 25 | -15.2% | -124.9% | ||
| Q4 24 | -71.9% | -217.5% | ||
| Q3 24 | -7.6% | -82.2% | ||
| Q2 24 | -14.2% | -113.3% | ||
| Q1 24 | -12.2% | -153.8% |
| Q4 25 | — | — | ||
| Q3 25 | $0.01 | $-0.89 | ||
| Q2 25 | — | $0.10 | ||
| Q1 25 | — | $-0.44 | ||
| Q4 24 | — | $-1.03 | ||
| Q3 24 | $-0.03 | $-0.48 | ||
| Q2 24 | — | $-0.73 | ||
| Q1 24 | — | $-1.21 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $34.0M | $6.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $80.0M | $13.9M |
| Total Assets | $266.6M | $32.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.0M | — | ||
| Q3 25 | $34.1M | $6.6M | ||
| Q2 25 | $47.5M | $8.2M | ||
| Q1 25 | $57.5M | $7.1M | ||
| Q4 24 | $53.5M | $7.6M | ||
| Q3 24 | $34.6M | $4.2M | ||
| Q2 24 | $32.4M | $833.9K | ||
| Q1 24 | $36.4M | $1.6M |
| Q4 25 | $80.0M | — | ||
| Q3 25 | $78.9M | $13.9M | ||
| Q2 25 | $77.8M | $2.4M | ||
| Q1 25 | $77.5M | $-663.0K | ||
| Q4 24 | $76.5M | $-2.1M | ||
| Q3 24 | $78.4M | $862.6K | ||
| Q2 24 | $76.5M | $2.4M | ||
| Q1 24 | $77.0M | $3.5M |
| Q4 25 | $266.6M | — | ||
| Q3 25 | $269.8M | $32.9M | ||
| Q2 25 | $276.0M | $29.2M | ||
| Q1 25 | $282.7M | $22.9M | ||
| Q4 24 | $278.7M | $21.3M | ||
| Q3 24 | $268.4M | $17.0M | ||
| Q2 24 | $265.9M | $13.0M | ||
| Q1 24 | $265.6M | $13.3M |
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 | $4.1M | $-16.7M |
| Free Cash FlowOCF − Capex | $3.9M | $-16.7M |
| FCF MarginFCF / Revenue | 156.9% | -1211.0% |
| Capex IntensityCapex / Revenue | 4.1% | 0.0% |
| Cash ConversionOCF / Net Profit | 30.01× | — |
| TTM Free Cash FlowTrailing 4 quarters | $4.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.1M | — | ||
| Q3 25 | $2.9M | $-16.7M | ||
| Q2 25 | $655.0K | $-1.8M | ||
| Q1 25 | $-2.7M | $-4.0M | ||
| Q4 24 | $9.4M | $3.7M | ||
| Q3 24 | $1.6M | $2.0M | ||
| Q2 24 | $-1.6M | $-864.6K | ||
| Q1 24 | $92.0K | $-2.4M |
| Q4 25 | $3.9M | — | ||
| Q3 25 | $2.9M | $-16.7M | ||
| 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% | -1211.0% | ||
| 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% | 0.0% | ||
| 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 | — | -3.70× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
