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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 5.53
OTTW's Cash-to-Debt is ranked higher than
64% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. OTTW: 5.53 )
Ranked among companies with meaningful Cash-to-Debt only.
OTTW' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.49  Med: No Debt Max: No Debt
Current: 5.53
Equity-to-Asset 0.23
OTTW's Equity-to-Asset is ranked higher than
93% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OTTW: 0.23 )
Ranked among companies with meaningful Equity-to-Asset only.
OTTW' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.23
Current: 0.23
0.06
0.23
Interest Coverage 2.17
OTTW's Interest Coverage is ranked higher than
57% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. OTTW: 2.17 )
Ranked among companies with meaningful Interest Coverage only.
OTTW' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.45 Max: 2.17
Current: 2.17
0.07
2.17
Piotroski F-Score: 4
Beneish M-Score: -3.00
WACC vs ROIC
7.99%
3.80%
WACC
ROIC
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 : 5/10

vs
industry
vs
history
Operating Margin % 19.98
OTTW's Operating Margin % is ranked lower than
75% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. OTTW: 19.98 )
Ranked among companies with meaningful Operating Margin % only.
OTTW' s Operating Margin % Range Over the Past 10 Years
Min: -32.49  Med: 14.29 Max: 74.68
Current: 19.98
-32.49
74.68
Net Margin % 13.54
OTTW's Net Margin % is ranked lower than
76% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. OTTW: 13.54 )
Ranked among companies with meaningful Net Margin % only.
OTTW' s Net Margin % Range Over the Past 10 Years
Min: -18.86  Med: 9.9 Max: 46.53
Current: 13.54
-18.86
46.53
ROE % 3.56
OTTW's ROE % is ranked lower than
81% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. OTTW: 3.56 )
Ranked among companies with meaningful ROE % only.
OTTW' s ROE % Range Over the Past 10 Years
Min: -6.05  Med: 2.85 Max: 10.72
Current: 3.56
-6.05
10.72
ROA % 0.55
OTTW's ROA % is ranked lower than
70% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. OTTW: 0.55 )
Ranked among companies with meaningful ROA % only.
OTTW' s ROA % Range Over the Past 10 Years
Min: -0.67  Med: 0.36 Max: 1.07
Current: 0.55
-0.67
1.07
3-Year Revenue Growth Rate -1.90
OTTW's 3-Year Revenue Growth Rate is ranked lower than
76% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. OTTW: -1.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTTW' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -4.1  Med: 3.2 Max: 18.5
Current: -1.9
-4.1
18.5
3-Year EBITDA Growth Rate -4.90
OTTW's 3-Year EBITDA Growth Rate is ranked lower than
80% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. OTTW: -4.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OTTW' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -24.4  Med: -7.65 Max: 23.9
Current: -4.9
-24.4
23.9
3-Year EPS without NRI Growth Rate -5.50
OTTW's 3-Year EPS without NRI Growth Rate is ranked lower than
79% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. OTTW: -5.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OTTW' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -37.8  Med: -5.5 Max: 38.7
Current: -5.5
-37.8
38.7
GuruFocus has detected 4 Warning Signs with Ottawa Bancorp Inc $OTTW.
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» OTTW's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCBB:FETM, OTCPK:CBAF, OTCPK:PPBN, NAS:MELR, NAS:BCTF, OTCPK:SRYB, OTCPK:WDFN, OTCPK:BAYK, OTCPK:TBNC, OTCPK:NWPP, OTCPK:PKKW, OTCPK:KTHN, OTCPK:CBKM, OTCPK:FPBK, NAS:CZFC, NAS:VBFC, OTCPK:SBKK, OTCPK:RIVE, NAS:CART, OTCPK:UWHR » details
Ottawa Savings Bancorp Inc is a savings and loan holding company. The Company attracts deposits from the general public and uses those funds to originate and purchase one-to-four family, multi-family and non-residential real estate and commercial.

Ottawa Bancorp Inc is a bank holding company incorporated on July 11, 2005. The Company through its holding provides financial services to individual and corporate customers in the United States. The Company offers deposit accounts, including checking, money market, regular savings, club savings and certificates of deposit, as well as various retirement accounts. Its loan portfolio includes one-to-four family residential mortgage, multi-family and non-residential real estate, commercial, and construction loans as well as auto loans and home equity lines of credit.

Ratios

vs
industry
vs
history
PE Ratio 30.47
OTTW's PE Ratio is ranked lower than
89% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. OTTW: 30.47 )
Ranked among companies with meaningful PE Ratio only.
OTTW' s PE Ratio Range Over the Past 10 Years
Min: 12.05  Med: 27.03 Max: 166.67
Current: 30.47
12.05
166.67
PE Ratio without NRI 30.47
OTTW's PE Ratio without NRI is ranked lower than
88% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. OTTW: 30.47 )
Ranked among companies with meaningful PE Ratio without NRI only.
OTTW' s PE Ratio without NRI Range Over the Past 10 Years
Min: 12.11  Med: 27.03 Max: 166.67
Current: 30.47
12.11
166.67
Price-to-Owner-Earnings 102.35
OTTW's Price-to-Owner-Earnings is ranked lower than
98% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. OTTW: 102.35 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
OTTW' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.13  Med: 26.88 Max: 136.21
Current: 102.35
5.13
136.21
PB Ratio 0.86
OTTW's PB Ratio is ranked higher than
71% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. OTTW: 0.86 )
Ranked among companies with meaningful PB Ratio only.
OTTW' s PB Ratio Range Over the Past 10 Years
Min: 0.35  Med: 0.96 Max: 1.54
Current: 0.86
0.35
1.54
PS Ratio 4.30
OTTW's PS Ratio is ranked lower than
66% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. OTTW: 4.30 )
Ranked among companies with meaningful PS Ratio only.
OTTW' s PS Ratio Range Over the Past 10 Years
Min: 1.01  Med: 3.37 Max: 6.45
Current: 4.3
1.01
6.45
Price-to-Free-Cash-Flow 27.89
OTTW's Price-to-Free-Cash-Flow is ranked lower than
86% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. OTTW: 27.89 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
OTTW' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.37  Med: 9.76 Max: 107.14
Current: 27.89
1.37
107.14
Price-to-Operating-Cash-Flow 26.55
OTTW's Price-to-Operating-Cash-Flow is ranked lower than
89% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. OTTW: 26.55 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
OTTW' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.37  Med: 9.59 Max: 82.82
Current: 26.55
1.37
82.82
EV-to-EBIT 26.53
OTTW's EV-to-EBIT is ranked lower than
81% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. OTTW: 26.53 )
Ranked among companies with meaningful EV-to-EBIT only.
OTTW' s EV-to-EBIT Range Over the Past 10 Years
Min: -38.2  Med: 11.1 Max: 65
Current: 26.53
-38.2
65
EV-to-EBITDA 23.38
OTTW's EV-to-EBITDA is ranked lower than
81% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. OTTW: 23.38 )
Ranked among companies with meaningful EV-to-EBITDA only.
OTTW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -101.1  Med: 9.8 Max: 42.3
Current: 23.38
-101.1
42.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.31
OTTW's Dividend Yield % is ranked lower than
98% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. OTTW: 0.31 )
Ranked among companies with meaningful Dividend Yield % only.
OTTW' s Dividend Yield % Range Over the Past 10 Years
Min: 0.3  Med: 2 Max: 4.41
Current: 0.31
0.3
4.41
Forward Dividend Yield % 0.31
OTTW's Forward Dividend Yield % is ranked lower than
99% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. OTTW: 0.31 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.31
OTTW's 5-Year Yield-on-Cost % is ranked lower than
99% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. OTTW: 0.31 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
OTTW' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.3  Med: 2 Max: 4.41
Current: 0.31
0.3
4.41
3-Year Average Share Buyback Ratio -10.90
OTTW's 3-Year Average Share Buyback Ratio is ranked lower than
79% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. OTTW: -10.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
OTTW' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -10.9  Med: 0 Max: 1.2
Current: -10.9
-10.9
1.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.89
OTTW's Price-to-Tangible-Book is ranked higher than
71% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. OTTW: 0.89 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
OTTW' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.39  Med: 0.92 Max: 1.43
Current: 0.89
0.39
1.43
Price-to-Intrinsic-Value-Projected-FCF 0.68
OTTW's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
64% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. OTTW: 0.68 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
OTTW' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.38 Max: 0.71
Current: 0.68
0.19
0.71
Price-to-Median-PS-Value 1.28
OTTW's Price-to-Median-PS-Value is ranked lower than
57% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. OTTW: 1.28 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
OTTW' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.34  Med: 0.94 Max: 1.86
Current: 1.28
0.34
1.86
Price-to-Graham-Number 1.10
OTTW's Price-to-Graham-Number is ranked lower than
69% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. OTTW: 1.10 )
Ranked among companies with meaningful Price-to-Graham-Number only.
OTTW' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.65  Med: 1.12 Max: 2.55
Current: 1.1
0.65
2.55
Earnings Yield (Greenblatt) % 3.76
OTTW's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. OTTW: 3.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
OTTW' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.5  Med: 7.4 Max: 117.3
Current: 3.76
1.5
117.3

More Statistics

Revenue (TTM) (Mil) $9.32
EPS (TTM) $ 0.43
Beta0.62
Short Percentage of Float0.35%
52-Week Range $10.40 - 13.99
Shares Outstanding (Mil)3.47
» More Articles for OTTW

Headlines

Articles On GuruFocus.com

More From Other Websites
OTTAWA BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 15 2017
Ottawa Bancorp, Inc. Announces Cash Dividend Feb 15 2017
Ottawa Bancorp, Inc. :OTTW-US: Earnings Analysis: 2016 By the Numbers : February 9, 2017 Feb 09 2017
Ottawa Bancorp, Inc. Announces 2016 Results Feb 06 2017
Ottawa Bancorp, Inc. :OTTW-US: Earnings Analysis: Q3, 2016 By the Numbers : November 30, 2016 Nov 30 2016
OTTAWA BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 14 2016
Ottawa Bancorp, Inc. Announces Completion of Second-Step Conversion and Offering Oct 11 2016
OTTAWA BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 27 2016
Ottawa Savings Bancorp, Inc. Announces Results of Special Meetings of Stockholders and Members Sep 22 2016
OTTAWA SAVINGS BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 21 2016
Ottawa Savings Bancorp, Inc. Announces Preliminary Offering Results Sep 21 2016
OTTAWA SAVINGS BANCORP, INC. Financials Aug 24 2016
Ottawa Savings Bancorp, Inc. :OTTW-US: Earnings Analysis: Q2, 2016 By the Numbers : August 19, 2016 Aug 19 2016
OTTAWA SAVINGS BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 15 2016
Ottawa Savings Bancorp, Inc. :OTTW-US: Earnings Analysis: Q1, 2016 By the Numbers : June 8, 2016 Jun 08 2016
OTTAWA SAVINGS BANCORP, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement,... Jun 03 2016
Ottawa Savings Bancorp, Inc. Announces Adoption of Plan of Conversion and Reorganization Jun 03 2016
OTTAWA SAVINGS BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 23 2016
OTTAWA SAVINGS BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 10 2016
Ottawa Savings Bancorp, Inc.: Strong price momentum but will it sustain? Apr 18 2016

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