FOTB (First Ottawa Bancshares (DE)) E10: $20.06 (As of Jun. 2026)

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FOTB First Ottawa Bancshares Inc (DE) FOTB
67 GF Score
Price $221.98
GF Value $179.64
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is First Ottawa Bancshares (DE) E10?

First Ottawa Bancshares (DE) FOTB 67 E10 is $20.06 as of Jun. 2026. GuruFocus rates FOTB with a GF Score™ of 67/100 and a GF Value™ of $179.64 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

First Ottawa Bancshares (DE)'s adjusted earnings per share data for the three months ended in Jun. 2026 was $7.099. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $20.06 for the trailing ten years ended in Jun. 2026.

During the past 12 months, First Ottawa Bancshares (DE)'s average E10 Growth Rate was 55.30% per year. During the past 3 years, the average E10 Growth Rate was 46.00% per year. During the past 5 years, the average E10 Growth Rate was 37.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of First Ottawa Bancshares (DE) was 46.00% per year. The lowest was 29.10% per year. And the median was 33.30% per year.

As of today (2026-07-31), First Ottawa Bancshares (DE)'s current stock price is $221.98. First Ottawa Bancshares (DE)'s E10 for the quarter that ended in Jun. 2026 was $20.06. First Ottawa Bancshares (DE)'s Shiller PE Ratio of today is 11.07.

During the past 13 years, the highest Shiller PE Ratio of First Ottawa Bancshares (DE) was 27.96. The lowest was 9.77. And the median was 16.67.


First Ottawa Bancshares (DE)  (OTCPK:FOTB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

First Ottawa Bancshares (DE)'s Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=221.98/20.06
=11.07

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of First Ottawa Bancshares (DE) was 27.96. The lowest was 9.77. And the median was 16.67.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


First Ottawa Bancshares (DE) E10 Related Terms


First Ottawa Bancshares (DE) E10 Historical Data

* Premium members only.

The historical data trend for First Ottawa Bancshares (DE)'s E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Ottawa Bancshares (DE) E10 Chart

First Ottawa Bancshares (DE) Annual Data
Trend Dec11 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.12 5.26 6.54 9.76 16.38

First Ottawa Bancshares (DE) Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.92 15.72 16.38 19.20 20.06

FOTB vs CBTN, PSBQ, FCAP: E10 Comparison

For the Banks - Regional subindustry, First Ottawa Bancshares (DE)'s Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


First Ottawa Bancshares (DE) Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, First Ottawa Bancshares (DE)'s Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where First Ottawa Bancshares (DE)'s Shiller PE Ratio falls into.


FOTB
67GF Score
First Ottawa Bancshares Inc (DE) FOTB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Ottawa Bancshares (DE) E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, First Ottawa Bancshares (DE)'s adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=7.099/333.9520*333.9520
=7.099

Current CPI (Jun. 2026) = 333.9520.

First Ottawa Bancshares (DE) Quarterly Data

per share eps CPI Adj_EPS
200909 0.760 215.969 1.175
200912 0.480 215.949 0.742
201003 0.480 217.631 0.737
201006 0.210 217.965 0.322
201009 0.610 218.439 0.933
201012 -4.550 219.179 -6.933
201103 0.200 223.467 0.299
201106 0.250 225.722 0.370
201109 1.090 226.889 1.604
201112 -0.380 225.672 -0.562
201203 0.170 229.392 0.247
201712 0.000 246.524 0.000
201812 0.000 251.233 0.000
201912 0.000 256.974 0.000
202003 0.580 258.115 0.750
202006 1.830 257.797 2.371
202009 0.830 260.280 1.065
202012 0.300 260.474 0.385
202103 3.380 264.877 4.261
202106 3.170 271.696 3.896
202109 4.340 274.310 5.284
202112 2.720 278.802 3.258
202203 2.270 287.504 2.637
202206 4.200 296.311 4.734
202209 4.330 296.808 4.872
202212 3.150 296.797 3.544
202303 3.320 301.836 3.673
202306 3.390 305.109 3.710
202309 4.110 307.789 4.459
202312 4.740 306.746 5.160
202403 3.898 312.332 4.168
202406 4.195 314.175 4.459
202409 18.920 315.301 20.039
202412 6.560 315.605 6.941
202503 23.440 319.799 24.477
202506 6.079 322.561 6.294
202509 26.400 324.800 27.144
202512 6.970 324.054 7.183
202603 24.460 330.213 24.737
202606 7.099 333.952 7.099

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $20.06 mean?
First Ottawa Bancshares (DE) (FOTB) has a E10 of $20.06 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on First Ottawa Bancshares (DE) and its competitors.
Is First Ottawa Bancshares (DE)'s E10 too high?
First Ottawa Bancshares (DE)'s current E10 is $20.06. Overall, First Ottawa Bancshares (DE) has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Ottawa Bancshares (DE)'s E10 compare to CBTN and PSBQ?
First Ottawa Bancshares (DE)'s E10 of $20.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on First Ottawa Bancshares (DE) and its competitors. First Ottawa Bancshares (DE)'s current E10 is $20.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Ottawa Bancshares (DE) stock overvalued right now?
Based on GuruFocus' analysis, First Ottawa Bancshares (DE) (FOTB) is currently considered Modestly Overvalued. The stock's GF Value™ is $179.64, compared to a current price of $221.98 — trading 23.6% above its estimated fair value. The current E10 is $20.06. First Ottawa Bancshares (DE)'s overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For First Ottawa Bancshares (DE) (FOTB), the current E10 is $20.06 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Ottawa Bancshares (DE) (FOTB) Overvalued in 2026?

Based on GuruFocus' analysis, First Ottawa Bancshares (DE) stock appears to be overvalued. The current stock price of $221.98 is trading 23.6% above its estimated GF Value™ of $179.64. GuruFocus considers First Ottawa Bancshares (DE) to be Modestly Overvalued.

Key valuation signals for FOTB:

  • E10: $20.06
  • GF Value™: $179.64 vs. price of $221.98 (23.6% above fair value)
  • GF Score™: 67/100 with 7 warning signs

No single metric tells the full story. See the FOTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Ottawa Bancshares (DE) Business Description

Address 701 LaSalle Street, Ottawa, IL, USA, 61350
First Ottawa Bancshares Inc (DE) is a bank holding company. The bank is engaged in providing a full range of banking and financial services to individual and corporate customers in LaSalle, Grundy, Cook, and surrounding counties in Illinois.
67GF Score

Get the complete analysis for FOTB

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$221.98
Price
$179.64
GF Value