OTTW (Ottawa Bancorp) E10: $0.79 (As of Mar. 2026)


OTTW Ottawa Bancorp Inc OTTW
60 GF Score
Price $15.35
GF Value $15.16
Valuation Fairly Valued
! 4 Warning Signs
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What is Ottawa Bancorp E10?

Ottawa Bancorp OTTW 60 E10 is $0.79 as of Mar. 2026. GuruFocus rates OTTW with a GF Score™ of 60/100 and a GF Value™ of $15.16 (Fairly Valued). The stock has 4 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.

Ottawa Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.260. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.79 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Ottawa Bancorp's average E10 Growth Rate was 8.20% per year. During the past 3 years, the average E10 Growth Rate was 4.30% per year. During the past 5 years, the average E10 Growth Rate was 12.30% per year. During the past 10 years, the average E10 Growth Rate was 43.60% 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 Ottawa Bancorp was 135.10% per year. The lowest was 4.30% per year. And the median was 33.95% per year.

As of today (2026-06-25), Ottawa Bancorp's current stock price is $15.35. Ottawa Bancorp's E10 for the quarter that ended in Mar. 2026 was $0.79. Ottawa Bancorp's Shiller PE Ratio of today is 19.43.

During the past 13 years, the highest Shiller PE Ratio of Ottawa Bancorp was 695.00. The lowest was 14.63. And the median was 25.34.


Ottawa Bancorp  (OTCPK:OTTW) 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.

Ottawa Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=15.35/0.79
=19.43

* 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 Ottawa Bancorp was 695.00. The lowest was 14.63. And the median was 25.34.


Be Aware

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


Ottawa Bancorp E10 Related Terms


Ottawa Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Ottawa Bancorp'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.

Ottawa Bancorp E10 Chart

Ottawa Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.58 0.67 0.70 0.70 0.76

Ottawa Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 0.73 0.76 0.76 0.76 0.79

OTTW vs EFSG, SSBP, PCLB: E10 Comparison

For the Banks - Regional subindustry, Ottawa Bancorp'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.


Ottawa Bancorp Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Ottawa Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Ottawa Bancorp's Shiller PE Ratio falls into.


OTTW
60GF Score
Ottawa Bancorp Inc OTTW
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Ottawa Bancorp 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, Ottawa Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.26/330.2130*330.2130
=0.260

Current CPI (Mar. 2026) = 330.2130.

Ottawa Bancorp Quarterly Data

per share eps CPI Adj_EPS
201606 0.130 241.018 0.178
201609 0.150 241.428 0.205
201612 0.060 241.432 0.082
201703 0.110 243.801 0.149
201706 0.140 244.955 0.189
201709 0.140 246.819 0.187
201712 -0.140 246.524 -0.188
201803 0.150 249.554 0.198
201806 0.110 251.989 0.144
201809 0.180 252.439 0.235
201812 0.180 251.233 0.237
201903 0.130 254.202 0.169
201906 0.140 256.143 0.180
201909 0.180 256.759 0.231
201912 0.180 256.974 0.231
202003 0.029 258.115 0.037
202006 0.250 257.797 0.320
202009 0.270 260.280 0.343
202012 0.290 260.474 0.368
202103 0.200 264.877 0.249
202106 0.260 271.696 0.316
202109 0.290 274.310 0.349
202112 0.270 278.802 0.320
202203 0.332 287.504 0.381
202206 0.280 296.311 0.312
202209 0.130 296.808 0.145
202212 0.230 296.797 0.256
202303 0.170 301.836 0.186
202306 0.220 305.109 0.238
202309 0.200 307.789 0.215
202312 0.080 306.746 0.086
202403 0.100 312.332 0.106
202406 -0.080 314.175 -0.084
202409 0.080 315.301 0.084
202412 0.210 315.605 0.220
202503 0.190 319.799 0.196
202506 0.210 322.561 0.215
202509 0.180 324.800 0.183
202512 0.140 324.054 0.143
202603 0.260 330.213 0.260

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 $0.79 mean?
Ottawa Bancorp (OTTW) has a E10 of $0.79 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Ottawa Bancorp and its competitors.
Is Ottawa Bancorp's E10 too high?
Ottawa Bancorp's current E10 is $0.79. Overall, Ottawa Bancorp has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ottawa Bancorp's E10 compare to EFSG and SSBP?
Ottawa Bancorp's E10 of $0.79 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 Ottawa Bancorp and its competitors. Ottawa Bancorp's current E10 is $0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ottawa Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Ottawa Bancorp (OTTW) is currently considered Fairly Valued. The stock's GF Value™ is $15.16, compared to a current price of $15.35 — trading 1.3% above its estimated fair value. The current E10 is $0.79. Ottawa Bancorp's overall GF Score™ is 60/100 with 4 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 Ottawa Bancorp (OTTW), the current E10 is $0.79 as of Mar. 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 Ottawa Bancorp (OTTW) Overvalued in 2026?

Based on GuruFocus' analysis, Ottawa Bancorp stock appears to be overvalued. The current stock price of $15.35 is trading 1.3% above its estimated GF Value™ of $15.16. GuruFocus considers Ottawa Bancorp to be Fairly Valued.

Key valuation signals for OTTW:

  • E10: $0.79
  • GF Value™: $15.16 vs. price of $15.35 (1.3% above fair value)
  • GF Score™: 60/100 with 4 warning signs

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


Ottawa Bancorp Business Description

Address 925 LaSalle Street, Ottawa, IL, USA, 61350
Ottawa Bancorp Inc is a bank holding company. Through its banking subsidiary, it is engaged in providing a variety of financial services to individual and corporate customers in the Ottawa, Marseilles, and Morris, Illinois areas. The bank offers services such as checking, savings, loans, online banking, commercial leasing, and others. It generates revenue from interest and fees related to single-family residential loans to middle-income individuals and interest and fees related to commercial loans to small businesses.
60GF Score

Get the complete analysis for OTTW

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

$15.35
Price
$15.16
GF Value