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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 2.34
OTTW's Cash to Debt is ranked higher than
56% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. OTTW: 2.34 )
Ranked among companies with meaningful Cash to Debt only.
OTTW' s 10-Year Cash to Debt Range
Min: 0.49  Med: 10000.00 Max: No Debt
Current: 2.34
Equity to Asset 0.14
OTTW's Equity to Asset is ranked higher than
79% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OTTW: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
OTTW' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.11 Max: 0.14
Current: 0.14
0.06
0.14
Interest Coverage 1.21
OTTW's Interest Coverage is ranked lower than
58% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. OTTW: 1.21 )
Ranked among companies with meaningful Interest Coverage only.
OTTW' s 10-Year Interest Coverage Range
Min: 0.07  Med: 0.36 Max: 1.21
Current: 1.21
0.07
1.21
F-Score: 4
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 14.19
OTTW's Operating margin (%) is ranked lower than
81% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. OTTW: 14.19 )
Ranked among companies with meaningful Operating margin (%) only.
OTTW' s 10-Year Operating margin (%) Range
Min: -32.49  Med: 16.57 Max: 74.68
Current: 14.19
-32.49
74.68
Net-margin (%) 10.48
OTTW's Net-margin (%) is ranked lower than
82% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. OTTW: 10.48 )
Ranked among companies with meaningful Net-margin (%) only.
OTTW' s 10-Year Net-margin (%) Range
Min: -18.86  Med: 11.68 Max: 46.53
Current: 10.48
-18.86
46.53
ROE (%) 2.83
OTTW's ROE (%) is ranked lower than
85% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. OTTW: 2.83 )
Ranked among companies with meaningful ROE (%) only.
OTTW' s 10-Year ROE (%) Range
Min: -6.05  Med: 3.14 Max: 10.72
Current: 2.83
-6.05
10.72
ROA (%) 0.38
OTTW's ROA (%) is ranked lower than
77% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. OTTW: 0.38 )
Ranked among companies with meaningful ROA (%) only.
OTTW' s 10-Year ROA (%) Range
Min: -0.67  Med: 0.37 Max: 1.07
Current: 0.38
-0.67
1.07
ROC (Joel Greenblatt) (%) 14.57
OTTW's ROC (Joel Greenblatt) (%) is ranked lower than
83% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. OTTW: 14.57 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
OTTW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -31.71  Med: 14.06 Max: 45.39
Current: 14.57
-31.71
45.39
Revenue Growth (3Y)(%) -2.80
OTTW's Revenue Growth (3Y)(%) is ranked lower than
72% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. OTTW: -2.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OTTW' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.1  Med: 8.40 Max: 18.6
Current: -2.8
-4.1
18.6
» OTTW's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 37.60
OTTW's P/E(ttm) is ranked lower than
91% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. OTTW: 37.60 )
Ranked among companies with meaningful P/E(ttm) only.
OTTW' s 10-Year P/E(ttm) Range
Min: 9.52  Med: 22.35 Max: 153.85
Current: 37.6
9.52
153.85
PE(NRI) 37.00
OTTW's PE(NRI) is ranked lower than
92% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. OTTW: 37.00 )
Ranked among companies with meaningful PE(NRI) only.
OTTW' s 10-Year PE(NRI) Range
Min: 9.48  Med: 22.22 Max: 166.67
Current: 37
9.48
166.67
P/B 1.14
OTTW's P/B is ranked lower than
54% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. OTTW: 1.14 )
Ranked among companies with meaningful P/B only.
OTTW' s 10-Year P/B Range
Min: 0.35  Med: 0.93 Max: 1.62
Current: 1.14
0.35
1.62
P/S 3.98
OTTW's P/S is ranked lower than
70% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. OTTW: 3.98 )
Ranked among companies with meaningful P/S only.
OTTW' s 10-Year P/S Range
Min: 1.01  Med: 3.21 Max: 6.51
Current: 3.98
1.01
6.51
PFCF 16.00
OTTW's PFCF is ranked lower than
67% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. OTTW: 16.00 )
Ranked among companies with meaningful PFCF only.
OTTW' s 10-Year PFCF Range
Min: 3.09  Med: 16.00 Max: 96.43
Current: 16
3.09
96.43
POCF 16.44
OTTW's POCF is ranked lower than
75% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. OTTW: 16.44 )
Ranked among companies with meaningful POCF only.
OTTW' s 10-Year POCF Range
Min: 1.37  Med: 8.52 Max: 75
Current: 16.44
1.37
75
EV-to-EBIT 31.74
OTTW's EV-to-EBIT is ranked lower than
84% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.11 vs. OTTW: 31.74 )
Ranked among companies with meaningful EV-to-EBIT only.
OTTW' s 10-Year EV-to-EBIT Range
Min: -38.2  Med: 9.70 Max: 57.8
Current: 31.74
-38.2
57.8
Shiller P/E 204.49
OTTW's Shiller P/E is ranked lower than
99% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.18 vs. OTTW: 204.49 )
Ranked among companies with meaningful Shiller P/E only.
OTTW' s 10-Year Shiller P/E Range
Min: 17  Med: 142.86 Max: 333.33
Current: 204.49
17
333.33
Days Sales Outstanding 43.82
OTTW's Days Sales Outstanding is ranked lower than
61% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.05 vs. OTTW: 43.82 )
Ranked among companies with meaningful Days Sales Outstanding only.
OTTW' s 10-Year Days Sales Outstanding Range
Min: 38.06  Med: 64.62 Max: 171.13
Current: 43.82
38.06
171.13

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.19
OTTW's Price/Tangible Book is ranked lower than
51% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. OTTW: 1.19 )
Ranked among companies with meaningful Price/Tangible Book only.
OTTW' s 10-Year Price/Tangible Book Range
Min: 0.39  Med: 0.91 Max: 1.51
Current: 1.19
0.39
1.51
Price/Projected FCF 0.89
OTTW's Price/Projected FCF is ranked lower than
68% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. OTTW: 0.89 )
Ranked among companies with meaningful Price/Projected FCF only.
OTTW' s 10-Year Price/Projected FCF Range
Min: 0.29  Med: 0.56 Max: 0.87
Current: 0.89
0.29
0.87
Price/Median PS Value 1.23
OTTW's Price/Median PS Value is ranked lower than
66% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. OTTW: 1.23 )
Ranked among companies with meaningful Price/Median PS Value only.
OTTW' s 10-Year Price/Median PS Value Range
Min: 0.36  Med: 0.93 Max: 1.97
Current: 1.23
0.36
1.97
Price/Graham Number 1.59
OTTW's Price/Graham Number is ranked lower than
90% of the 1122 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. OTTW: 1.59 )
Ranked among companies with meaningful Price/Graham Number only.
OTTW' s 10-Year Price/Graham Number Range
Min: 0.66  Med: 1.01 Max: 2.54
Current: 1.59
0.66
2.54
Earnings Yield (Greenblatt) (%) 3.20
OTTW's Earnings Yield (Greenblatt) (%) is ranked lower than
76% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. OTTW: 3.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OTTW' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.7  Med: 9.05 Max: 115.7
Current: 3.2
1.7
115.7

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Ottawa Savings Bancorp Incorporated was incorporated under the laws of the United States on July 11, 2005, for the purpose of serving as the holding company of Ottawa Savings Bank (the 'Bank'), as part of the Bank's conversion from a mutual to a stock form of organization. The Bank's business is to attract deposits from the general public and use those funds to originate and purchase one-to-four family, multi-family and non-residential real estate, construction, commercial and consumer loans, which the Bank holds for investment. The Bank has continually diversified its products to meet the needs of the community. The Company is headquartered in Ottawa, Illinois, which is located in north-central Illinois approximately 80 miles southwest of Chicago. Its market area, which benefits from its proximity to Chicago, includes all of LaSalle County. The Bank faces significant competition for the attraction of deposits and origination of loans.

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