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Ottawa Bancorp
(OTC:OTTW)
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Rating:66Neutral
Price Target:
$20.50
▲(31.41% Upside)
Action:Reiterated
Date:08/21/26
The score is driven primarily by improving (but still inconsistent) financial performance—stronger 2025 growth and earnings, yet volatile profitability/cash flow and low ROE. Technicals add support with a clear uptrend and positive momentum, while valuation is only moderately attractive with a mid-range P/E and a modest dividend yield.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Ottawa Bancorp (OTTW) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$58.71M
Dividend Yield2.34%
Average Volume (3M)554.00
Price to Earnings (P/E)18.8
Beta (1Y)0.11
Revenue Growth8.98%
EPS Growth47.90%
CountryUS
Employees74
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.00
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Ottawa Bancorp Business Overview & Revenue Model
Company Description
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 int...
How the Company Makes Money
null...
Ottawa Bancorp Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
70
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 19.58M | 18.48M | 16.83M | 16.20M | 14.55M | 14.89M |
| Gross Profit | 12.62M | 11.55M | 9.69M | 10.70M | 11.50M | 13.20M |
| EBITDA | 3.20M | 2.75M | 1.08M | 2.61M | 3.61M | 4.33M |
| Net Income | 2.30M | 1.68M | 778.14K | 1.67M | 2.38M | 2.90M |
Balance Sheet | ||||||
| Total Assets | 355.65M | 362.59M | 353.65M | 363.92M | 357.70M | 342.53M |
| Cash, Cash Equivalents and Short-Term Investments | 9.38M | 37.06M | 17.01M | 32.18M | 32.01M | 39.47M |
| Total Debt | 17.02M | 17.10M | 23.63M | 32.45M | 20.85M | 16.52M |
| Total Liabilities | 313.08M | 320.89M | 313.45M | 320.59M | 314.56M | 294.48M |
| Stockholders Equity | 42.57M | 41.70M | 40.20M | 43.33M | 43.14M | 48.04M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 3.30M | -872.51K | 3.03M | 3.49M | 2.73M |
| Operating Cash Flow | 0.00 | 3.43M | -618.32K | 3.10M | 3.57M | 2.98M |
| Investing Cash Flow | 0.00 | -1.99M | 9.79M | -2.32M | -15.22M | -38.93M |
| Financing Cash Flow | 0.00 | 5.87M | -10.05M | 1.75M | 16.00M | 32.09M |
Ottawa Bancorp Risk Analysis
Ottawa Bancorp disclosed 27 risk factors in its most recent earnings report. Ottawa Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Ottawa Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $114.99M | 5.18 | 16.39% | ― | 24.01% | 20.16% | |
79 Outperform | $81.63M | 13.15 | 10.69% | 2.53% | 7.71% | 60.72% | |
68 Neutral | $70.07M | 30.47 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $58.71M | 18.76 | 5.50% | 2.82% | 8.98% | 47.90% | |
65 Neutral | $50.14M | 14.55 | 5.66% | 1.30% | 5.94% | 51.02% |
* Financial Sector Average
OTTW
Ottawa Bancorp
18.80
3.56
23.32%
HFBL
Home Federal Bancorp Of Louisiana
25.92
13.29
105.27%
OPHC
Optimumbank Holdings
8.96
4.59
105.03%
TCBS
Texas Community
17.67
1.79
11.28%
CLST
Catalyst Bancorp
17.37
4.57
35.68%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.