NasdaqCM:OTTW

Stock Analysis Report

Executive Summary

Ottawa Bancorp, Inc. operates as the holding company for Ottawa Savings Bank, a savings bank that provides various financial services to individual and corporate customers in Illinois.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • Ottawa Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Ottawa Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.5%

NasdaqCM:OTTW

2.4%

US Mortgage

2.9%

US Market


1 Year Return

-8.5%

NasdaqCM:OTTW

-1.5%

US Mortgage

0.2%

US Market

OTTW underperformed the Mortgage industry which returned -2% over the past year.

OTTW underperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

OTTWIndustryMarket
7 Day0.5%2.4%2.9%
30 Day-4.1%-1.5%-2.3%
90 Day-6.0%0.6%3.1%
1 Year-4.6%-8.5%0.6%-1.5%2.4%0.2%
3 Year5.0%-1.7%32.6%23.8%41.7%32.4%
5 Year37.1%28.4%58.2%41.6%55.1%37.9%

Price Volatility Vs. Market

How volatile is Ottawa Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Ottawa Bancorp undervalued based on future cash flows and its price relative to the stock market?

20.14x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Ottawa Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Ottawa Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

Ottawa Bancorp is overvalued based on earnings compared to the US Mortgage industry average.

Ottawa Bancorp is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Ottawa Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Ottawa Bancorp is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Ottawa Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

18.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Ottawa Bancorp is high growth as no revenue estimate data is available.

Ottawa Bancorp's earnings are expected to grow by 18.5% yearly, however this is not considered high growth (20% yearly).

Unable to compare Ottawa Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Ottawa Bancorp's earnings growth is expected to exceed the United States of America market average.

Ottawa Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Ottawa Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Ottawa Bancorp performed over the past 5 years?

16.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Ottawa Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Ottawa Bancorp's 1-year earnings growth exceeds its 5-year average (141.2% vs 16.9%)

Ottawa Bancorp's earnings growth has exceeded the US Mortgage industry average in the past year (141.2% vs 32.9%).


Return on Equity

Ottawa Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Ottawa Bancorp used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Ottawa Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Ottawa Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Ottawa Bancorp has an acceptable proportion of non-loan assets held.

Ottawa Bancorp has a sufficient allowance for bad loans.

Ottawa Bancorp's liabilities are made up of primarily low risk sources of funding.

Ottawa Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Ottawa Bancorp are broadly funded by customer deposits.

Ottawa Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Ottawa Bancorp's current dividend yield, its reliability and sustainability?

1.91%

Current Dividend Yield


Dividend Yield and Payments Analysis

Ottawa Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Ottawa Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.85%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.8x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Ottawa Bancorp's salary, the management and board of directors tenure and is there insider trading?

6.2yrs

Average board tenure


CEO

Craig Hepner (54yo)

0.0yrs

Tenure

US$662,351

Compensation

Mr. Craig M. Hepner serves as President and Chief Executive Officer at Ottawa Bancorp, Inc. and Ottawa Savings Bank from August 16, 2019. Mr. Hepner served as Chief Operating Officer and Executive Vice Pre ...


CEO Compensation Analysis

Craig's remuneration is higher than average for companies of similar size in United States of America.

Craig's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

6.2yrs

Average Tenure

64.5yo

Average Age

The tenure for the Ottawa Bancorp board of directors is about average.


Insider Trading

Information is not available.


Recent Insider Transactions

BuyUS$5,48031 May 19
Thomas Adler
EntityIndividual
Role
Member of the Board of Directors
Director
Shares400
Max PriceUS$13.70
SellUS$5,48031 May 19
Jon Kranov
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares400
Max PriceUS$13.70
SellUS$31,51015 May 19
Jon Kranov
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares2,300
Max PriceUS$13.70
BuyUS$4,11015 May 19
Thomas Adler
EntityIndividual
Role
Member of the Board of Directors
Director
Shares300
Max PriceUS$13.70
BuyUS$27,40015 May 19
William Kuiper
EntityIndividual
Role
Member of the Board of Directors
Director
Shares2,000
Max PriceUS$13.70

Ownership Breakdown


Management Team

  • Marc Kingry (57yo)

    Senior VP & CFO

    • Tenure: 3.6yrs
    • Compensation: US$189.74k
  • Laurie Duffell

    Corporate Secretary

    • Tenure: 0.0yrs
  • Craig Hepner (54yo)

    President & CEO

    • Tenure: 0.0yrs
    • Compensation: US$662.35k
  • Mark Stoudt (50yo)

    Executive VP & COO

    • Tenure: 0.0yrs
    • Compensation: US$218.93k

Board Members

  • Arthur Mueller (65yo)

    Director

    • Tenure: 32.6yrs
    • Compensation: US$24.81k
  • James Ferrero (69yo)

    Director

    • Tenure: 19.6yrs
    • Compensation: US$24.81k
  • Keith Johnson (66yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$24.81k
  • Jon Kranov (64yo)

    Chairman of the Board

    • Tenure: 3.6yrs
    • Compensation: US$1.06m
  • John Armstrong (63yo)

    Director

    • Tenure: 6.8yrs
    • Compensation: US$24.81k
  • Craig Hepner (54yo)

    President & CEO

    • Tenure: 0.0yrs
    • Compensation: US$662.35k
  • Thomas Adler (59yo)

    Director

    • Tenure: 4.7yrs
    • Compensation: US$24.81k
  • William Kuiper (68yo)

    Director

    • Tenure: 4.7yrs
    • Compensation: US$24.81k

Company Information

Ottawa Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Ottawa Bancorp, Inc.
  • Ticker: OTTW
  • Exchange: NasdaqCM
  • Founded: 1871
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$38.598m
  • Shares outstanding: 3.07m
  • Website: https://www.ottawasavings.com

Number of Employees


Location

  • Ottawa Bancorp, Inc.
  • 925 LaSalle Street
  • Ottawa
  • Illinois
  • 61350
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
OTTWNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDJul 2005

Biography

Ottawa Bancorp, Inc. operates as the holding company for Ottawa Savings Bank, a savings bank that provides various financial services to individual and corporate customers in Illinois. The company offers v ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 00:43
End of Day Share Price2019/08/21 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.