OTTW (Ottawa Bancorp) Moat Score: 2/10 (As of Jul. 01, 2026)


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

Ottawa Bancorp OTTW 61 Moat Score is 2 as of Jul. 01, 2026. GuruFocus rates OTTW with a GF Score™ of 61/100 and a GF Value™ of $15.16 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,611 Banks companies, Ottawa Bancorp ranks better than 59.84% on this metric.

Ottawa Bancorp has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Ottawa Bancorp has No Moat: Ottawa Bancorp Inc operates in a highly competitive banking sector with limited market leadership and no significant customer switching costs. The company lacks strong brand strength, durable cost advantages, or significant regulatory barriers. Its market share is not substantial enough to provide a competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Ottawa Bancorp might have No Moat - Very weak/transient advantages.

Ottawa Bancorp  (OTCPK:OTTW) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Ottawa Bancorp Moat Score Related Terms

OTTW vs EFSG, SSBP, GBNY: Moat Score Comparison

For the Banks - Regional subindustry, Ottawa Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

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

* The bar in red indicates where Ottawa Bancorp's Moat Score falls into.


OTTW
61GF Score
Ottawa Bancorp Inc OTTW
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Ottawa Bancorp (OTTW) has a Moat Score of 2 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Ottawa Bancorp ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is Ottawa Bancorp's Moat Score too high?
Ottawa Bancorp's current Moat Score is 2. Based on the distribution chart, Ottawa Bancorp ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Ottawa Bancorp has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ottawa Bancorp's Moat Score compare to EFSG and SSBP?
According to the Banks industry distribution chart, Ottawa Bancorp ranks #647 out of 1611 companies for Moat Score. This puts Ottawa Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Ottawa Bancorp's current Moat Score is 2. 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 Moat Score is 2. Ottawa Bancorp's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Ottawa Bancorp (OTTW), the current Moat Score is 2 as of Jul. 01, 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:

  • Moat Score: 2
  • GF Value™: $15.16 vs. price of $15.35 (1.3% above fair value)
  • GF Score™: 61/100 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.
61GF Score

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

$15.35
Price
$15.16
GF Value