Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
First Ottawa Bancshares (DE)FOTB 67 PS Ratio is 2.47 as of Jul. 31, 2026, which is 49% above its 10-year median of 1.66. GuruFocus rates FOTB with a GF Score™ of 67/100 and a GF Value™ of $179.64 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,516 Banks companies, First Ottawa Bancshares (DE) ranks better than 64.58% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, First Ottawa Bancshares (DE)'s share price is $221.98.
First Ottawa Bancshares (DE)'s Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was $89.85. Hence, First Ottawa Bancshares (DE)'s PS Ratio for today is 2.47.
Warning Sign:
First Ottawa Bancshares Inc (DE) stock PS Ratio (=2.47) is close to 5-year high of 2.68.
The historical rank and industry rank for First Ottawa Bancshares (DE)'s PS Ratio or its related term are showing as below:
FOTB'
s PS Ratio Range Over the Past 10 Years
Min: 1.42 Med: 1.66 Max: 8.04
Current: 2.47
During the past 13 years, First Ottawa Bancshares (DE)'s highest PS Ratio was 8.04. The lowest was 1.42. And the median was 1.66.
FOTB's PS Ratio is ranked better than 64.58% of 1516
companies
in the Banks industry
Industry Median: 3.06
vs FOTB: 2.47
First Ottawa Bancshares Inc (DE) has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of First Ottawa Bancshares (DE) was 20.90% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 12.20% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 13.00% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 18.50% per year.
During the past 13 years, First Ottawa Bancshares (DE)'s highest 3-Year average Revenue per Share Growth Rate was 36.70% per year. The lowest was -5.40% per year. And the median was 7.70% per year.
First Ottawa Bancshares (DE) (OTCPK:FOTB) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
First Ottawa Bancshares (DE) PS Ratio Related Terms
First Ottawa Bancshares (DE) PS 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 PS Ratio, along with its competitors' market caps and PS 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) PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Ottawa Bancshares (DE)'s PS Ratio distribution charts can be found below:
* The bar in red indicates where First Ottawa Bancshares (DE)'s PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
First Ottawa Bancshares (DE)'s Share Price of today is $221.98. First Ottawa Bancshares (DE)'s Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $89.85.
* 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:
First Ottawa Bancshares (DE) (FOTB) has a PS Ratio of 2.47 as of Jul. 31, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on First Ottawa Bancshares (DE) and its competitors. This is 49% above median its historical median of 1.66. Over the past decade, First Ottawa Bancshares (DE)'s PS Ratio has ranged from 1.42 to 8.04. According to the industry distribution chart, First Ottawa Bancshares (DE) ranks #537 out of 1516 companies in the Banks industry, placing it in the top 35.4%.
Is First Ottawa Bancshares (DE)'s PS Ratio too high?
First Ottawa Bancshares (DE)'s current PS Ratio of 2.47 is 49% above median its 10-year median of 1.66. Over the past 10 years, this metric has ranged from a low of 1.42 to a high of 8.04. The Banks industry median PS Ratio is 3.06. First Ottawa Bancshares (DE)'s value of 2.47 is 19.3% below this industry median. Based on the distribution chart, First Ottawa Bancshares (DE) ranks #537 out of 1516 companies in the Banks industry, which is above 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 PS Ratio compare to CBTN and PSBQ?
According to the Banks industry distribution chart, First Ottawa Bancshares (DE) ranks #537 out of 1516 companies for PS Ratio. This puts First Ottawa Bancshares (DE) in the upper half of its industry. The industry median PS Ratio is 3.06. First Ottawa Bancshares (DE)'s value of 2.47 is 19.3% below this benchmark. Historically, First Ottawa Bancshares (DE)'s own PS Ratio has ranged from 1.42 to 8.04 over the past decade. While the company's 10-year median is 1.66 vs. the industry median of 3.06, First Ottawa Bancshares (DE) 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Ottawa Bancshares (DE)'s current PS Ratio of 2.47 is 19.3% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on First Ottawa Bancshares (DE) and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Ottawa Bancshares (DE)'s current PS Ratio is 2.47, which is 49% above median its own 10-year median of 1.66. 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 PS Ratio is 2.47, which is 49% above median its 10-year median of 1.66 and 19.3% below the Banks industry median of 3.06. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For First Ottawa Bancshares (DE) (FOTB), the current PS Ratio is 2.47 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:
PS Ratio: 2.47 (49% above median its 10-year median of 1.66)
GF Value™: $179.64 vs. price of $221.98 (23.6% above fair value)
Industry Position: 19.3% below the Banks median (#537 of 1516)
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
Get the complete analysis for FOTB
PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FOTB has been successfully added to your 
