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Side-by-side financial comparison of NSTS Bancorp, Inc. (NSTS) and UNITED GUARDIAN INC (UG). Click either name above to swap in a different company.
UNITED GUARDIAN INC is the larger business by last-quarter revenue ($3.0M vs $2.5M, roughly 1.2× NSTS Bancorp, Inc.). On growth, UNITED GUARDIAN INC posted the faster year-over-year revenue change (19.6% vs 3.0%). NSTS Bancorp, Inc. produced more free cash flow last quarter ($3.9M vs $308.0K). Over the past eight quarters, NSTS Bancorp, Inc.'s revenue compounded faster (11.7% CAGR vs -4.6%).
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 Guardian Life Insurance Company of America is one of the largest mutual life insurance companies in the world. Based in Manhattan, it has approximately 8,000 employees in the United States, and a network of over 3,000 financial representatives in more than 70 agencies nationwide. As of 2018, it ranks 239th on the Fortune 500 list of largest American corporations by revenue. In 2015, Guardian achieved the highest earnings in its 155-year history with $7.3 billion in capital and $1.5 billio...
NSTS vs UG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.5M | $3.0M |
| Net Profit | $135.0K | — |
| Gross Margin | — | 45.0% |
| Operating Margin | — | 24.4% |
| Net Margin | 214.3% | — |
| Revenue YoY | 3.0% | 19.6% |
| Net Profit YoY | 393.5% | — |
| EPS (diluted) | — | — |
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 | $3.0M | ||
| Q3 25 | $2.5M | $2.3M | ||
| Q2 25 | $2.5M | $2.8M | ||
| Q1 25 | $2.2M | $2.5M | ||
| Q4 24 | $2.4M | $2.5M | ||
| Q3 24 | $2.3M | $3.1M | ||
| Q2 24 | $2.3M | $3.4M | ||
| Q1 24 | $2.0M | $3.3M |
| Q4 25 | $135.0K | — | ||
| Q3 25 | $65.0K | $268.4K | ||
| Q2 25 | $-258.0K | $626.8K | ||
| Q1 25 | $-328.0K | $560.9K | ||
| Q4 24 | $-46.0K | — | ||
| Q3 24 | $-171.0K | $865.5K | ||
| Q2 24 | $-326.0K | $956.2K | ||
| Q1 24 | $-246.0K | $925.4K |
| Q4 25 | — | 45.0% | ||
| Q3 25 | — | 42.1% | ||
| Q2 25 | — | 52.8% | ||
| Q1 25 | — | 54.7% | ||
| Q4 24 | — | 51.7% | ||
| Q3 24 | — | 54.0% | ||
| Q2 24 | — | 54.0% | ||
| Q1 24 | — | 52.2% |
| Q4 25 | — | 24.4% | ||
| Q3 25 | 2.6% | 9.5% | ||
| Q2 25 | -10.1% | 24.5% | ||
| Q1 25 | -15.2% | 24.6% | ||
| Q4 24 | -71.9% | 22.5% | ||
| Q3 24 | -7.6% | 31.0% | ||
| Q2 24 | -14.2% | 32.9% | ||
| Q1 24 | -12.2% | 31.5% |
| Q4 25 | 214.3% | — | ||
| Q3 25 | 2.6% | 11.9% | ||
| Q2 25 | -10.1% | 22.1% | ||
| Q1 25 | -15.2% | 22.6% | ||
| Q4 24 | -71.9% | — | ||
| Q3 24 | -7.6% | 28.3% | ||
| Q2 24 | -14.2% | 28.2% | ||
| Q1 24 | -12.2% | 28.4% |
| Q4 25 | — | — | ||
| Q3 25 | $0.01 | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $-0.03 | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $8.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $80.0M | $11.2M |
| Total Assets | $266.6M | $13.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.0M | $8.6M | ||
| Q3 25 | $34.1M | $8.3M | ||
| Q2 25 | $47.5M | $8.4M | ||
| Q1 25 | $57.5M | $8.1M | ||
| Q4 24 | $53.5M | $9.4M | ||
| Q3 24 | $34.6M | $9.5M | ||
| Q2 24 | $32.4M | $9.9M | ||
| Q1 24 | $36.4M | $8.6M |
| Q4 25 | $80.0M | $11.2M | ||
| Q3 25 | $78.9M | $10.6M | ||
| Q2 25 | $77.8M | $11.5M | ||
| Q1 25 | $77.5M | $10.8M | ||
| Q4 24 | $76.5M | $11.9M | ||
| Q3 24 | $78.4M | $11.4M | ||
| Q2 24 | $76.5M | $12.1M | ||
| Q1 24 | $77.0M | $11.2M |
| Q4 25 | $266.6M | $13.1M | ||
| Q3 25 | $269.8M | $12.2M | ||
| Q2 25 | $276.0M | $13.4M | ||
| Q1 25 | $282.7M | $12.8M | ||
| Q4 24 | $278.7M | $13.8M | ||
| Q3 24 | $268.4M | $13.3M | ||
| Q2 24 | $265.9M | $13.8M | ||
| Q1 24 | $265.6M | $13.0M |
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 | $330.5K |
| Free Cash FlowOCF − Capex | $3.9M | $308.0K |
| FCF MarginFCF / Revenue | 156.9% | 10.4% |
| Capex IntensityCapex / Revenue | 4.1% | 0.8% |
| Cash ConversionOCF / Net Profit | 30.01× | — |
| TTM Free Cash FlowTrailing 4 quarters | $4.7M | $1.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.1M | $330.5K | ||
| Q3 25 | $2.9M | $1.0M | ||
| Q2 25 | $655.0K | $303.2K | ||
| Q1 25 | $-2.7M | $322.1K | ||
| Q4 24 | $9.4M | $269.3K | ||
| Q3 24 | $1.6M | $1.2M | ||
| Q2 24 | $-1.6M | $1.3M | ||
| Q1 24 | $92.0K | $644.1K |
| Q4 25 | $3.9M | $308.0K | ||
| Q3 25 | $2.9M | $995.8K | ||
| Q2 25 | $616.0K | $285.6K | ||
| Q1 25 | $-2.7M | $318.5K | ||
| Q4 24 | $9.1M | $-45.9K | ||
| Q3 24 | $1.6M | $1.2M | ||
| Q2 24 | $-1.7M | $1.3M | ||
| Q1 24 | $76.0K | $622.2K |
| Q4 25 | 156.9% | 10.4% | ||
| Q3 25 | 113.9% | 44.0% | ||
| Q2 25 | 24.2% | 10.1% | ||
| Q1 25 | -126.1% | 12.8% | ||
| Q4 24 | 373.1% | -1.9% | ||
| Q3 24 | 69.3% | 39.2% | ||
| Q2 24 | -76.4% | 37.1% | ||
| Q1 24 | 3.8% | 19.1% |
| Q4 25 | 4.1% | 0.8% | ||
| Q3 25 | 0.1% | 0.7% | ||
| Q2 25 | 1.5% | 0.6% | ||
| Q1 25 | 2.5% | 0.1% | ||
| Q4 24 | 13.1% | 12.7% | ||
| Q3 24 | 2.3% | 1.0% | ||
| Q2 24 | 5.1% | 1.9% | ||
| Q1 24 | 0.8% | 0.7% |
| Q4 25 | 30.01× | — | ||
| Q3 25 | 44.03× | 3.77× | ||
| Q2 25 | — | 0.48× | ||
| Q1 25 | — | 0.57× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.42× | ||
| Q2 24 | — | 1.38× | ||
| Q1 24 | — | 0.70× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NSTS
Segment breakdown not available.
UG
| Pharmaceuticals | $1.6M | 53% |
| Other | $1.4M | 47% |
