Ottawa Bancorp, Inc. (OTTW) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Ottawa Bancorp, Inc. (OTTW) trades at $18.80 with AI Score 53/100 (Grade B). Ottawa Bancorp, Inc. is the parent company of Ottawa Savings Bank, providing a range of financial services primarily in Illinois. Market cap: $58.7M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for OTTW: OTTW does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates OTTW against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
OTTW: the 2 scored disciplines are evenly split. Dominant signal: Ken Griffin bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Ottawa Bancorp, Inc. (OTTW) Financial Services Profile
Ottawa Bancorp, Inc. stands out in the regional banking sector, offering a diverse range of deposit and loan products tailored to meet the needs of individual consumers and businesses in Illinois, supported by a strong community presence.
What Is the Investment Thesis for OTTW?
Ottawa Bancorp, Inc. presents a stable investment opportunity in the regional banking sector, characterized by a market capitalization of $58.7M and a P/E ratio of 18.81. The bank's profit margin stands at 9.7%, reflecting efficient operations and effective cost management. Key growth catalysts include the expansion of its loan portfolio and the introduction of innovative digital banking solutions, which are expected to enhance customer engagement and retention. The bank's dividend yield of 2.87% offers an additional incentive for investors seeking income. However, potential risks include limited liquidity associated with its OTC trading status and regulatory challenges within the banking sector. Investors should closely monitor the bank's financial performance and market conditions to assess its growth trajectory and risk profile.
Based on FMP financials and quantitative analysis
OTTW Key Highlights
Market capitalization of $58.7M indicates a stable presence in the regional banking sector.
- P/E ratio of 18.81 reflects the bank's valuation relative to its earnings.
- Profit margin of 9.7% showcases operational efficiency.
- Gross margin of 63.3% indicates strong revenue generation capabilities.
- Dividend yield of 2.87% provides a steady income stream for investors.
Who Are OTTW's Competitors?
OTTW is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CFR Cullen/Frost Bankers, Inc. | $164.81 | +0.07% | $10.2B | 86 |
| FMBH First Mid Bancshares, Inc. | $50.29 | +0.36% | $1.34B | 85 |
| PB Prosperity Bancshares, Inc. | $72.58 | -0.44% | $8.72B | 81 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are OTTW's Key Strengths?
Long-standing history and established reputation in the community.
- Diverse product offerings catering to both consumers and businesses.
- Strong profit margins indicating operational efficiency.
What Are OTTW's Weaknesses?
Limited geographic reach compared to larger national banks.
- Potential liquidity issues due to OTC trading status.
- Smaller scale may limit competitive pricing capabilities.
What Could Drive OTTW Stock Higher?
Expansion of digital banking services expected to attract younger customers.
- Continuous growth in loan portfolio driven by local economic development.
- Introduction of new cash management tools for business clients.
- Strengthening community engagement initiatives to enhance brand loyalty.
What Are the Key Risks for OTTW?
Financial-distress signal — its Altman Z-Score of 0.31 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from fintech companies disrupting traditional banking.
- Regulatory challenges impacting operational flexibility and compliance costs.
- Economic downturns affecting loan performance and credit quality.
- Limited liquidity associated with OTC trading status.
What Are the Growth Opportunities for OTTW?
- Expansion of Loan Portfolio: Ottawa Bancorp plans to enhance its loan offerings, targeting an increase in commercial and consumer loans. The U.S. commercial lending market is projected to reach $3 trillion by 2028, providing significant growth potential. By leveraging its community relationships, Ottawa Bancorp aims to capture a larger share of this expanding market over the next five years.
- Digital Banking Services: The bank is investing in digital banking capabilities to meet the evolving needs of tech-savvy consumers. With the digital banking market expected to grow at a CAGR of 8% through 2027, Ottawa Bancorp's focus on enhancing its online and mobile banking services positions it to attract a younger demographic and increase customer engagement.
- Cash Management Solutions: Ottawa Bancorp is expanding its suite of cash management tools for business clients, which is a growing segment in the banking industry.
- Community Engagement Initiatives: By strengthening its community ties and investing in local economic development projects, Ottawa Bancorp can enhance its brand loyalty and customer retention. Community-focused initiatives are increasingly important in the banking sector, as consumers prefer to support local institutions.
- Increased Regulatory Compliance Services: As regulations in the banking sector become more stringent, Ottawa Bancorp plans to enhance its compliance services to ensure adherence to evolving standards. This proactive approach will not only mitigate risks but also position the bank as a trusted partner for its clients.
What Are OTTW's Competitive Advantages?
- Established community presence and strong local relationships.
- Diverse range of tailored financial products and services.
- Focus on customer service and personalized banking experiences.
- Ability to adapt to local market needs and economic conditions.
What Does OTTW Do?
Ottawa Bancorp, Inc., founded in 1871 in Ottawa, Illinois, serves as the holding company for Ottawa Savings Bank. The bank has evolved significantly since its inception, transitioning from Ottawa Savings Bancorp, Inc. to its current name in October 2016. Ottawa Savings Bank provides a comprehensive suite of financial services, catering to both individual consumers and corporate clients throughout Illinois. The bank's offerings include various deposit products such as savings, checking, money market, and interest-bearing accounts, as well as certificates of deposit. Its extensive loan portfolio addresses diverse needs, including commercial financing, non-residential and multi-family real estate loans, and mortgages for one-to-four family residences. Additionally, consumer lending options encompass direct vehicle loans, home improvement loans, unsecured personal loans, and student financing. For business clients, Ottawa Bancorp offers advanced cash management tools, including remote deposit capture and automated clearing house (ACH) services, along with commercial leasing solutions. The bank also provides supplementary services like notary and lamination, night depository, document faxing, and comprehensive digital banking capabilities. With a workforce of 57 employees, Ottawa Bancorp is committed to delivering personalized banking solutions, leveraging its long-standing community presence to foster relationships and support local economic development.
What Products and Services Does OTTW Offer?
- Operate as the parent company for Ottawa Savings Bank.
- Provide a range of deposit products including savings, checking, and certificates of deposit.
- Offer a diverse loan portfolio including commercial, real estate, and consumer loans.
- Deliver cash management solutions for business clients.
- Facilitate digital banking services for enhanced customer experience.
- Engage in community banking to support local economic development.
How Does OTTW Make Money?
- Generate revenue through interest income from loans and fees from deposit accounts.
- Offer competitive rates on deposit products to attract and retain customers.
- Provide additional services such as cash management and digital banking for fee income.
- Leverage community relationships to drive loan growth and customer acquisition.
What Industry Does OTTW Operate In?
The regional banking industry is characterized by a growing demand for personalized banking services, with an increasing shift towards digital solutions. As consumers and businesses seek more accessible and efficient banking experiences, institutions like Ottawa Bancorp, Inc. are well-positioned to capitalize on these trends. The U.S. banking sector is projected to grow steadily, driven by economic recovery and increased lending activity. Ottawa Bancorp's focus on community banking allows it to differentiate itself from larger national banks, catering specifically to the needs of its local market.
Who Are OTTW's Key Customers?
- Individual consumers seeking personal banking solutions.
- Small to medium-sized businesses requiring commercial banking services.
- Local residents looking for mortgage and consumer loan options.
- Corporations needing cash management tools and leasing solutions.
Financial Health
Ottawa Bancorp, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.31 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Ottawa Bancorp, Inc. stands at 4.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. OTTW trades at a trailing price-to-earnings ratio of 18.73, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.3%, the inverse of the P/E and a quick read on earnings relative to price.
Ottawa Bancorp, Inc. (OTTW) Valuation Context
Valued at $58.7M, OTTW is classified as a micro-cap stock. Relative to its peer group, OTTW's quantitative score of 53/100 is below the peer average of 87/100.
OTTW Revenue & Earnings Trend
In Q2 2026, OTTW generated $5.2M in top-line revenue, marking a sequential increase of 7.8%. The company recorded net income of $962K, with diluted EPS of $0.42. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, OTTW averaged $0.25 in diluted EPS.
Company Profile
Ottawa Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Ottawa, US. The company is led by CEO Craig Hepner. OTTW has traded publicly since 2007.
OTTW Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing history and established reputation in the community.
- Diverse product offerings catering to both consumers and businesses.
- Strong profit margins indicating operational efficiency.
- Upcoming: Expansion of digital banking services expected to attract younger customers.
Bear Case
- Limited geographic reach compared to larger national banks.
- Potential liquidity issues due to OTC trading status.
- Smaller scale may limit competitive pricing capabilities.
- Potential: Increased competition from fintech companies disrupting traditional banking.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $5M | $962,361 | $0.42 |
| Q1 2026 | $5M | $582,731 | $0.26 |
| Q4 2025 | $5M | $313,702 | $0.14 |
| Q3 2025 | $5M | $445,071 | $0.18 |
Based on FMP financials and quantitative analysis
OTTW Latest News
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Stocks That Hit 52-Week Lows On Friday
· Aug 16, 2019
OTTW Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for OTTW.
Price Targets
Wall Street price target analysis for OTTW.
OTTW MoonshotScore
What does this score mean?
The MoonshotScore rates OTTW 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Craig Hepner
CEO
Craig Hepner has extensive experience in the banking industry, having held various leadership roles that span over two decades. He has a strong background in financial management and community banking, which has equipped him with the skills necessary to lead Ottawa Bancorp, Inc. effectively. Craig holds a degree in Business Administration and has been instrumental in driving the bank's strategic initiatives.
Track Record: Under Craig Hepner's leadership, Ottawa Bancorp has focused on enhancing its community engagement and expanding its product offerings. His strategic decisions have led to improved operational efficiencies and a stronger market presence.
OTTW OTC Market Information
The OTC Other tier represents companies that trade on the over-the-counter market but do not meet the requirements for higher tiers like OTCQX or OTCQB. This tier generally has less stringent reporting requirements, which may lead to less visibility and liquidity compared to stocks listed on major exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited liquidity may lead to price volatility.
- Less stringent reporting requirements can obscure financial performance.
- Potential for lower investor interest compared to listed stocks.
- Review any available financial statements and performance metrics.
- Assess the company's regulatory compliance history.
- Investigate management's track record and strategic vision.
- Monitor industry trends and competitive landscape.
- Evaluate the bank's loan portfolio quality and risk management practices.
- Established history of operations since 1871.
- Regulatory compliance with state banking authorities.
- Community engagement and local presence enhance credibility.
OTTW Financial Services Stock FAQ
What does the AI Score mean for OTTW?
OTTW holds an AI Score of 53/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Ottawa Bancorp, Inc. is the parent company of Ottawa Savings Bank, providing a range of financial services primarily in Illinois. Established in 1871, it offers various deposit and loan products …
What does Ottawa Bancorp, Inc. do?
Ottawa Bancorp, Inc. operates as the parent company of Ottawa Savings Bank, providing a wide range of financial services. The bank offers various deposit products, including savings and checking accounts, as well as a robust loan portfolio that includes commercial, real estate, and consumer loans. With a focus on community banking, Ottawa Bancorp serves individual consumers and businesses primarily in Illinois.
What are the main risks for OTTW?
Ottawa Bancorp, Inc. faces several risks, including limited liquidity due to its OTC trading status, which can lead to price volatility and challenges in executing trades. Additionally, the bank is exposed to regulatory challenges that may impact its operational flexibility and compliance costs. Economic downturns could also affect loan performance and credit quality, posing risks to the bank's financial stability.
How is Ottawa Bancorp, Inc. adapting to fintech disruption?
Ottawa Bancorp, Inc. is actively investing in digital banking capabilities to enhance its service offerings and compete with fintech disruptors. The bank is focused on improving its online and mobile banking platforms to meet the needs of tech-savvy consumers. By adopting innovative technologies and expanding its digital services, Ottawa Bancorp aims to attract a younger demographic and retain existing customers.
What are the key factors to evaluate for OTTW?
Ottawa Bancorp, Inc. (OTTW) holds an AI score of 53/100 (moderate). presents a stable investment opportunity in the regional banking sector, characterized by a market capitalization of $58.7M and a P/E ratio of 18.81. Not financial advice.
How frequently does OTTW data refresh on this page?
OTTW's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven OTTW's recent stock price performance?
Ottawa Bancorp, Inc. (OTTW) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established reputation in the community. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider OTTW overvalued or undervalued right now?
Ottawa Bancorp, Inc. (OTTW) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research OTTW before investing?
Before investing in Ottawa Bancorp, Inc. (OTTW), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited financial information available due to OTC classification.