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8 (1y: +45%)
Market Cap 15.9 M P/E(ttm) 23.70
Enterprise Value 15.89 M P/B 0.80
OTTW- OTCBB (USA)
Ottawa Savings Bancorp Incorporated
Not Rated
Top Ranked Predictable Companies
$8.00
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 7/10

vs
industry		 vs
history
Cash to Debt No Debt
OTTW's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: No Debt )
OTTW' s 10-Year Cash to Debt Range
Min: No Debt   Max: No Debt
Current: No Debt
Equity to Asset 0.118
OTTW's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 0.118 )
OTTW' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.12
Current: 0.12
0.09
0.12
Interest Coverage No Debt
OTTW's Interest Coverage is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: No Debt )
OTTW' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.32
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 14.80
OTTW's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 14.80 )
OTTW' s 10-Year Operating margin (%) Range
Min: -32.5   Max: 74.7
Current: 14.8
-32.5
74.7
Net-margin (%) 10.5
OTTW's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 10.5 )
OTTW' s 10-Year Net-margin (%) Range
Min: -18.9   Max: 46.5
Current: 10.5
-18.9
46.5
ROE (%) 3.2
OTTW's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 3.2 )
OTTW' s 10-Year ROE (%) Range
Min: -6.2   Max: 10.1
Current: 3.2
-6.2
10.1
ROA (%) 0.4
OTTW's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 0.4 )
OTTW' s 10-Year ROA (%) Range
Min: -0.7   Max: 1.1
Current: 0.4
-0.7
1.1
Revenue Growth (%) -3.1
OTTW's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: -3.1 )
OTTW' s 10-Year Revenue Growth (%) Range
Min: -3.1   Max: 13.5
Current: -3.1
-3.1
13.5
EBITDA Growth (%) 17.4
OTTW's EBITDA Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 17.4 )
OTTW' s 10-Year EBITDA Growth (%) Range
Min: -18.9   Max: 17.4
Current: 17.4
-18.9
17.4
EPS Growth (%) 27.8
OTTW's EPS Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 27.8 )
OTTW' s 10-Year EPS Growth (%) Range
Min: -30   Max: 27.8
Current: 27.8
-30
27.8
ยป 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) 23.70
OTTW's P/E(ttm) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 23.70 )
OTTW' s 10-Year P/E(ttm) Range
Min: 11.02   Max: 166.67
Current: 23.7
11.02
166.67
P/B 0.80
OTTW's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 0.80 )
OTTW' s 10-Year P/B Range
Min: 0.35   Max: 1.61
Current: 0.8
0.35
1.61
P/S 2.60
OTTW's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 2.60 )
OTTW' s 10-Year P/S Range
Min: 1   Max: 6.51
Current: 2.6
1
6.51
PFCF 3.70
OTTW's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 3.70 )
OTTW' s 10-Year PFCF Range
Min: 1.38   Max: 75
Current: 3.7
1.38
75
EV-to-EBIT 17.9
OTTW's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 17.9 )
OTTW' s 10-Year EV-to-EBIT Range
Min: 0.9   Max: 57.8
Current: 17.9
0.9
57.8
Shiller P/E 46.7
OTTW's Shiller P/E is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 46.7 )
OTTW' s 10-Year Shiller P/E Range
Min: 17   Max: 81.25
Current: 46.7
17
81.25

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.8
OTTW's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 0.8 )
OTTW' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 1.4
Current: 0.8
0.4
1.4
Price/DCF (Projected) 0.4
OTTW's Price/DCF (Projected) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 0.4 )
OTTW' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.3
Current: 0.4
0.2
0.3
Price/Median PS Value 0.8
OTTW's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 0.8 )
OTTW' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.8
Current: 0.8
0.3
1.8
Price/Graham Number 0.9
OTTW's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 0.9 )
OTTW' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.8
Current: 0.9
0.7
1.8
Earnings Yield (Greenblatt) 5.60
OTTW's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 5.60 )
OTTW' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 115.7
Current: 5.6
1.7
115.7
Forward Rate of Return (Yacktman) 14.33
OTTW's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTTW: 14.33 )
OTTW' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 14.6   Max: 23
Current: 14.33
14.6
23

Business Description

Ottawa Savings Bancorp, Inc. 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'). The main business of the Company is the ownership of the Bank. Through the Bank, the Company is engaged in providing different financial services to individual and corporate customers in the Ottawa, Illinois area, which is mainly an agricultural area. 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 and consumer loans, which the bank mainly holds for investment. The Bank has continually expanded its products to meet the needs of the community. The Company's business strategy is to operate as a well-capitalized and profitable community savings bank dedicated to providing quality customer service and innovative new products. In addition, the Bank completed its building expansion in May 2005, adding two drive-up lanes, a separate ATM drive-up, and an additional approximately 7,800 square feet of office space, which enhances its ability to provide quality customer service and increases its presence in the community. The Company's business strategy is to Continue to emphasize the origination of one-to four-family mortgage loans; Aggressively market core deposits; Offer a broad range of financial products and services to both retail and commercial customers in the Bank's market area; Pursue opportunities to increase non-residential real estate and multi-family lending in the Bank's market area; Continue to utilize conservative underwriting guidelines to limit credit risk in the Bank's loan portfolio to achieve a high level of asset quality; and Consider expanding into new market areas to grow the Bank's business through the addition of new branch locations and/or through possible acquisitions. The Company's Loan Portfolio is composed of One-to-four family - approximately 58.76% of the total loans; Multi-family - approximately 3.62% of the total loans; Lines of credit - 9.54% of the total loans; Non-residential real estate - 14.33% of the total loans; Commercial - 6.90% of the total loans; Construction - 2.53% of the total loans; Consumer - 4.32% of the total loans. The Bank faces competition for the attraction of deposits and origination of loans. Its direct competition for deposits and loans are from the several financial institutions operating in its market area and, to a lesser extent, from other financial service companies, such as brokerage firms, credit unions, mortgage companies and mortgage brokers. The Bank is subject to regulation, examination and supervision by the OTS, as its main federal regulator, and the Federal Deposit Insurance Corporation, as the insurer of its deposits.
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