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Ottawa Bancorp (OTTW) Stock Price & Analysis
OTTW Stock Chart & Stats
- Day’s Range
- $19.23 - $19.23
- 52-Week Range
- $14.00 - $19.23
- Previous Close
- $19.20
- Volume
- 145
- Average Volume (3M)
- 4,699
- Market Cap
- $60.02M
- Enterprise Value
- $42.84M
- Total Cash (Recent Filing)
- $9.38M
- Total Debt (Recent Filing)
- $17.02M
- Price to Earnings (P/E)
- 19.2
- Beta
- 0.08
- Next Earnings
- Nov 17, 2026 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Sep 02, 2026
- Dividend Yield
- 2.29%
Bulls Say, Bears Say
Bulls Say
Revenue And Earnings Growth
Faster revenue growth and sharply higher net income indicate improved operating momentum and product or market traction. If sustained, this can strengthen the bank’s earnings base over the next several quarters.
Lower Leverage
The reduction in leverage lowers balance-sheet risk and improves financial flexibility. Growing equity provides additional support for absorbing stress and funding future operations, although returns on that capital remain limited.
Improved Cash Generation
Positive operating and free cash flow improve the bank’s capacity to fund operations, distributions, and balance-sheet needs internally. The latest improvement supports financial resilience if cash generation becomes more consistent.
Bears Say
Low Return On Equity
Low ROE shows that the bank is generating limited profit from its equity base. Persistently weak capital productivity can constrain earnings compounding and reduce the benefit of balance-sheet growth for shareholders.
Inconsistent Cash Flow
The sharp year-over-year cash-flow swing raises questions about the reliability of earnings conversion. Continued volatility could make capital planning, distributions, and funding decisions less predictable despite the strong latest-year result.
Choppy Profitability
The multi-year margin pattern indicates that improved 2025 profitability has not yet demonstrated durability. Unstable earnings power may limit forecasting confidence and leave results sensitive to operating or credit conditions.
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Ottawa Bancorp Stock Smart Score
Company Description
Ottawa Bancorp
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Craig Hepner
- Employees
- 74
- Website
- www.myosb.bank
- Address
- 925 LaSalle Street, Ottawa, IL, 61350, US
Ottawa Bancorp (OTTW) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 3 | 3 |
| Technical Analysis | 3 | 3 | 3 |
| Moving Averages | 12 | 0 | 0 |