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Ottawa Bancorp (OTTW) Price & Analysis

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OTTW Stock Chart & Stats

$14.80

-$0.08(-0.56%)

At close: Jan 07 4:00 PM EST

$14.80

-$0.08(-0.56%)

Day’s Range― - ―

52-Week Range$14.00 - $16.25

Previous CloseN/A

Volume225.00

Average Volume (3M)554.00

Market Cap

$48.50M

Enterprise Value$56.19M

Total Cash (Recent Filing)$8.78M

Total Debt (Recent Filing)$17.06M

Price to Earnings (P/E)19.7

Beta0.17

Next Earnings

Aug 19, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.83%

Share Statistics

EPS (TTM)0.79

Shares Outstanding3,121,035

10 Day Avg. Volume721

30 Day Avg. Volume554

Financial Highlights & Ratios

PEG Ratio0.17

Price to Book (P/B)0.83

Price to Sales (P/S)1.88

P/FCF Ratio10.55

Enterprise Value/Market Cap1.16

Enterprise Value/Revenue2.97

Enterprise Value/Gross Profit4.70

Enterprise Value/Ebitda21.08

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Revenue Growth AccelerationA clear acceleration in top-line growth and a more than doubling of net income in 2025 indicate the franchise regained revenue momentum. Durable revenue improvement supports sustainable earnings, better internal funding for initiatives, and a stronger base for margin recovery over coming quarters.

Lower Leverage / Stronger Balance SheetA materially lower debt-to-equity ratio represents durable de-risking: it increases financial flexibility, reduces interest burden sensitivity, and improves capacity to absorb shocks or fund targeted growth without heavy external financing, enhancing long-term resilience.

Recovered Cash GenerationThe swing to strong operating and free cash flow in 2025 shows improved cash conversion and earnings quality. Sustained positive cash flow strengthens the company’s ability to fund operations, reduce reliance on debt, and support strategic investment or shareholder distributions over the medium term.

Bears Say

Volatile Profitability / MarginsChoppy margins across cycles indicate the bank’s earnings are sensitive to rate, credit, or fee pressures and are not yet consistently stable. Persistent margin volatility complicates forecasting, capital allocation, and investor confidence in sustained profitability over multiple quarters.

Low Return On EquityROE around mid-single digits signals limited capital efficiency: the balance sheet is not producing strong shareholder returns. Persistently low ROE constrains ability to grow equity through retained earnings and limits upside from reinvestment absent structural improvement in margins or asset yields.

Inconsistent Cash GenerationA large year-to-year swing in operating cash flow highlights inconsistency in cash conversion and raises questions about earnings quality. If cash flows remain episodic, the company may face funding volatility for investments or distributions and higher sensitivity to one-off items.

OTTW FAQ

What was Ottawa Bancorp, Inc.’s price range in the past 12 months?

Ottawa Bancorp, Inc. lowest stock price was $14.00 and its highest was $16.25 in the past 12 months.

What is Ottawa Bancorp, Inc.’s market cap?

Ottawa Bancorp, Inc.’s market cap is $48.50M.

When is Ottawa Bancorp, Inc.’s upcoming earnings report date?

Ottawa Bancorp, Inc.’s upcoming earnings report date is Aug 19, 2026 which is in 25 days.

How were Ottawa Bancorp, Inc.’s earnings last quarter?

Ottawa Bancorp, Inc. released its earnings results on Apr 28, 2026. The company reported $0.256 earnings per share for the quarter, beating the consensus estimate of N/A by $0.256.

Is Ottawa Bancorp, Inc. overvalued?

According to Wall Street analysts Ottawa Bancorp, Inc.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Ottawa Bancorp, Inc. pay dividends?

Ottawa Bancorp, Inc. pays a Quarterly dividend of $0.11 which represents an annual dividend yield of 2.83%. See more information on Ottawa Bancorp, Inc. dividends here

What is Ottawa Bancorp, Inc.’s EPS estimate?

Ottawa Bancorp, Inc.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Ottawa Bancorp, Inc. have?

Ottawa Bancorp, Inc. has 3,121,035 shares outstanding.

What happened to Ottawa Bancorp, Inc.’s price movement after its last earnings report?

Ottawa Bancorp, Inc. reported an EPS of $0.256 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.911%.

Which hedge fund is a major shareholder of Ottawa Bancorp, Inc.?

Currently, no hedge funds are holding shares in OTTW

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Ottawa Bancorp, Inc.

Ottawa Bancorp, Inc. operates as the bank holding company for OSB Community Bank, a savings bank that provides various financial services to individual and corporate customers in Illinois. The company offers saving, checking, money market, and interest-bearing accounts, as well as certificate of deposit; and business checking and municipal accounts. It provides business loans, including business and investor real estate loans, lines of credit, equipment/machinery/business vehicle term loans; first time homebuyer, auto, student, construction, and mortgage loans; and home equity lines of credit. In addition, the company offers cash management solutions, such as remote deposit capture, automated clearing house/payroll direct deposit, and merchant services; commercial leasing, business credit cards; digital banking; and additional services comprising notary, lamination, night depository, document faxing, money gift envelopes, safe deposit boxes, and coin counting. The company was formerly known as Ottawa Savings Bancorp, Inc. and changed its name to Ottawa Bancorp, Inc. in October 2016. Ottawa Bancorp, Inc. was founded in 1871 and is based in Ottawa, Illinois.