Ottawa Bancorp (OTTW) AI Stock Analysis

• Market Cap: $46.35M
• Dividend Yield: 2.95%
• Average Volume (3M): 554.00
• Price to Earnings (P/E): 20.7
• Beta (1Y): 0.13
• Revenue Growth: 12.14%
• EPS Growth: 320.14%
• Country: US
• Employees: 57
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.14
• Shares Outstanding: 3,121,035
• 10 Day Avg. Volume: 721
• 30 Day Avg. Volume: 554
• PEG Ratio: 0.17
• Price to Book (P/B): 0.83
• Price to Sales (P/S): 1.88
• P/FCF Ratio: 10.55
• Enterprise Value/Market Cap: 1.37
• Enterprise Value/Revenue: 3.98
• Enterprise Value/Gross Profit: 5.84
• Enterprise Value/Ebitda: 27.77
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 60 Neutral
• Price Target: $15.00 ▲(1.35% Upside)
• Action: Reiterated Date: 04/07/26
• Date: Action: Reiterated 04/07/26

The score is driven primarily by improving 2025 financial performance and reduced leverage, offset by historically volatile profitability/cash flow and modest ROE. Technicals are mixed with a softer longer-term trend, and valuation is moderate with a supportive dividend but a mid-range P/E.

Positive Factors

Revenue Growth Acceleration

A 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.

Negative Factors

Volatile Profitability / Margins

Choppy 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.

Ottawa Bancorp Business Overview & Revenue Model

Company Description

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's deposit products include saving, checking, money...

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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's deposit products include saving, checking, money...

How the Company Makes Money

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Ottawa Bancorp Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	15.95M	18.48M	16.83M	16.20M	14.55M	14.89M
Gross Profit	10.86M	11.55M	9.69M	10.70M	11.50M	13.20M
EBITDA	2.29M	2.43M	1.08M	2.61M	3.61M	4.33M
Net Income	1.63M	1.68M	778.14K	1.67M	2.38M	2.90M
Balance Sheet
Total Assets	346.81M	362.59M	353.65M	363.92M	357.70M	342.53M
Cash, Cash Equivalents and Short-Term Investments	26.61M	0.00	17.01M	32.18M	32.01M	39.47M
Total Debt	22.81M	17.10M	23.63M	32.45M	20.85M	16.52M
Total Liabilities	305.16M	320.89M	313.45M	320.59M	314.56M	294.48M
Stockholders Equity	41.66M	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 Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OTTW, the sentiment is Positive. The current price of 14.8 is above the 20-day moving average (MA) of 14.32, above the 50-day MA of 14.35, and below the 200-day MA of 14.82, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 79.77 is Negative, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OTTW.

Ottawa Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	78 Outperform	$55.04M	8.12	9.28%	3.21%	0.32%	37.93%
OPHC	78 Outperform	$64.00M	3.00	14.54%	―	14.91%	0.81%
CLST	68 Neutral	$69.40M	32.15	2.53%	―	76.66%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	64 Neutral	$48.94M	17.24	5.34%	1.10%	12.12%	―
OTTW	60 Neutral	$46.35M	20.70	4.45%	2.95%	12.14%	320.14%