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First Ottawa Bancshares Inc (DE) stock PB Ratio (=1.41) is close to 10-year high of 1.55.
The historical rank and industry rank for First Ottawa Bancshares (DE)'s PB Ratio or its related term are showing as below:
FOTB'
s PB Ratio Range Over the Past 10 Years
Min: 0.87 Med: 1.16 Max: 1.55
Current: 1.41
During the past 13 years, First Ottawa Bancshares (DE)'s highest PB Ratio was 1.55. The lowest was 0.87. And the median was 1.16.
FOTB's PB Ratio is ranked worse than 71.29% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs FOTB: 1.41
During the past 12 months, First Ottawa Bancshares (DE)'s average Book Value Per Share Growth Rate was 24.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 21.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 19.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 14.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of First Ottawa Bancshares (DE) was 21.70% per year. The lowest was -2.70% per year. And the median was 3.60% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
First Ottawa Bancshares (DE) PB Ratio Related Terms
First Ottawa Bancshares (DE) PB Ratio Historical Data
* 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, First Ottawa Bancshares (DE)'s PB Ratio, along with its competitors' market caps and PB 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) PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Ottawa Bancshares (DE)'s PB Ratio distribution charts can be found below:
* The bar in red indicates where First Ottawa Bancshares (DE)'s PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
First Ottawa Bancshares (DE) (FOTB) has a PB Ratio of 1.41 as of Jul. 31, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Ottawa Bancshares (DE) and its competitors. This is 22% above median its historical median of 1.16. Over the past decade, First Ottawa Bancshares (DE)'s PB Ratio has ranged from 0.87 to 1.55. According to the industry distribution chart, First Ottawa Bancshares (DE) ranks #1080 out of 1515 companies in the Banks industry, placing it in the top 71.3%.
Is First Ottawa Bancshares (DE)'s PB Ratio too high?
First Ottawa Bancshares (DE)'s current PB Ratio of 1.41 is 22% above median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.87 to a high of 1.55. The Banks industry median PB Ratio is 1.11. First Ottawa Bancshares (DE)'s value of 1.41 is 27% above this industry median. Based on the distribution chart, First Ottawa Bancshares (DE) ranks #1080 out of 1515 companies in the Banks industry, which is below the industry midpoint. 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 PB Ratio compare to CBTN and PSBQ?
According to the Banks industry distribution chart, First Ottawa Bancshares (DE) ranks #1080 out of 1515 companies for PB Ratio. This places First Ottawa Bancshares (DE) in the lower half of its industry. The industry median PB Ratio is 1.11. First Ottawa Bancshares (DE)'s value of 1.41 is 27% above this benchmark. Historically, First Ottawa Bancshares (DE)'s own PB Ratio has ranged from 0.87 to 1.55 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 1.11, First Ottawa Bancshares (DE) 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Ottawa Bancshares (DE)'s current PB Ratio of 1.41 is 27% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Ottawa Bancshares (DE) and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Ottawa Bancshares (DE)'s current PB Ratio is 1.41, which is 22% above median its own 10-year median of 1.16. 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 PB Ratio is 1.41, which is 22% above median its 10-year median of 1.16 and 27% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For First Ottawa Bancshares (DE) (FOTB), the current PB Ratio is 1.41 as of Jul. 31, 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:
PB Ratio: 1.41 (22% above median its 10-year median of 1.16)
GF Value™: $179.64 vs. price of $221.98 (23.6% above fair value)
Industry Position: 27% above the Banks median (#1080 of 1515)
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 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
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