Ottawa BancorpOTTW 61 Pretax Margin % is 28.76% as of Mar. 2026, which is 23% above its 10-year median of 23.43. 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 1,527 Banks companies, Ottawa Bancorp ranks worse than 75.97% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Ottawa Bancorp Pretax Margin % Related Terms
Ottawa Bancorp Pretax Margin % Historical Data
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The historical data trend for Ottawa Bancorp's Pretax 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.
OTTW vs EFSG, SSBP, PCLB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Ottawa Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ottawa Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Ottawa Bancorp's Pretax 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 Pretax Margin % of 28.76% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Ottawa Bancorp and its competitors. This is 23% above median its historical median of 23.43. Over the past decade, Ottawa Bancorp's Pretax Margin % has ranged from 11.53 to 30.41. According to the industry distribution chart, Ottawa Bancorp ranks #1160 out of 1527 companies in the Banks industry, placing it in the top 76%.
Is Ottawa Bancorp's Pretax Margin % too high?
Ottawa Bancorp's current Pretax Margin % of 28.76% is 23% above median its 10-year median of 23.43. Over the past 10 years, this metric has ranged from a low of 11.53 to a high of 30.41. The Banks industry median Pretax Margin % is 34.88. Ottawa Bancorp's value of 28.76% is 17.5% below this industry median. Based on the distribution chart, Ottawa Bancorp ranks #1160 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Pretax Margin % compare to EFSG and SSBP?
According to the Banks industry distribution chart, Ottawa Bancorp ranks #1160 out of 1527 companies for Pretax Margin %. This places Ottawa Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. Ottawa Bancorp's value of 28.76% is 17.5% below this benchmark. Historically, Ottawa Bancorp's own Pretax Margin % has ranged from 11.53 to 30.41 over the past decade. While the company's 10-year median is 23.43 vs. the industry median of 34.88, Ottawa Bancorp has consistently been below 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ottawa Bancorp's current Pretax Margin % of 28.76% is 17.5% below 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Ottawa Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ottawa Bancorp's current Pretax Margin % is 28.76%, which is 23% above median its own 10-year median of 23.43. 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 Pretax Margin % is 28.76%, which is 23% above median its 10-year median of 23.43 and 17.5% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Ottawa Bancorp (OTTW), the current Pretax Margin % is 28.76% 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:
Pretax Margin %: 28.76% (23% above median its 10-year median of 23.43)
GF Value™: $15.16 vs. price of $15.35 (1.3% above fair value)
Industry Position: 17.5% below the Banks median (#1160 of 1527)
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.
61GF Score
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