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Ottawa BancorpOTTW -1.02%62 Net Margin % is 27.35% as of Jun. 2026, which is 64% above its 10-year median of 16.66. GuruFocus rates OTTW with a GF Score™ of 62/100 and a GF Value™ of $16.53 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Ottawa Bancorp ranks worse than 73.72% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Ottawa Bancorp's Net Income for the
three
months ended in Jun. 2026 was $0.96 Mil. Ottawa Bancorp's Revenue for the
three
months ended in Jun. 2026 was $3.52 Mil. Therefore, Ottawa Bancorp's net margin for the quarter that ended in Jun. 2026 was 27.35%.
The historical rank and industry rank for Ottawa Bancorp's Net Margin % or its related term are showing as below:
OTTW'
s Net Margin % Range Over the Past 10 Years
Min: 8.08 Med: 16.66 Max: 21.76
Current: 18.86
OTTW's Net Margin % is ranked worse than 73.72% of 1526
companies
in the Banks industry
Industry Median: 27.095
vs OTTW: 18.86
Ottawa Bancorp (OTCPK:OTTW) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Ottawa Bancorp Net Margin % Related Terms
Ottawa Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Ottawa Bancorp's Net Margin % 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.
For the Banks - Regional subindustry, Ottawa Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ottawa Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Ottawa Bancorp's Net Margin % falls into.
* 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 (OTTW) has a Net Margin % of 27.35% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Ottawa Bancorp and its competitors. This is 64% above median its historical median of 16.66. Over the past decade, Ottawa Bancorp's Net Margin % has ranged from 8.08 to 21.76. According to the industry distribution chart, Ottawa Bancorp ranks #1125 out of 1526 companies in the Banks industry, placing it in the top 73.7%.
Is Ottawa Bancorp's Net Margin % too high?
Ottawa Bancorp's current Net Margin % of 27.35% is 64% above median its 10-year median of 16.66. Over the past 10 years, this metric has ranged from a low of 8.08 to a high of 21.76. The Banks industry median Net Margin % is 27.10. Ottawa Bancorp's value of 27.35% is 0.9% above this industry median. Based on the distribution chart, Ottawa Bancorp ranks #1125 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Ottawa Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ottawa Bancorp's Net Margin % compare to PCLB and HRBK?
According to the Banks industry distribution chart, Ottawa Bancorp ranks #1125 out of 1526 companies for Net Margin %. This places Ottawa Bancorp in the lower half of its industry. The industry median Net Margin % is 27.10. Ottawa Bancorp's value of 27.35% is 0.9% above this benchmark. Historically, Ottawa Bancorp's own Net Margin % has ranged from 8.08 to 21.76 over the past decade. While the company's 10-year median is 16.66 vs. the industry median of 27.10, Ottawa Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ottawa Bancorp's current Net Margin % of 27.35% is 0.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Ottawa Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ottawa Bancorp's current Net Margin % is 27.35%, which is 64% above median its own 10-year median of 16.66. 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 $16.53, compared to a current price of $15.77 — trading 4.6% below its estimated fair value. The current Net Margin % is 27.35%, which is 64% above median its 10-year median of 16.66 and 0.9% above the Banks industry median of 27.10. Ottawa Bancorp's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Ottawa Bancorp (OTTW), the current Net Margin % is 27.35% 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 Ottawa Bancorp (OTTW) Overvalued in 2026?
Based on GuruFocus' analysis, Ottawa Bancorp stock appears to be undervalued.
The current stock price of $15.77 is trading 4.6% below its estimated GF Value™ of $16.53.
GuruFocus considers Ottawa Bancorp to be Fairly Valued.
Key valuation signals for OTTW:
Net Margin %: 27.35% (64% above median its 10-year median of 16.66)
GF Value™: $16.53 vs. price of $15.77 (4.6% below fair value)
Industry Position: 0.9% above the Banks median (#1125 of 1526)
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 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.
62GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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