FOTB (First Ottawa Bancshares (DE)) Scaled Net Operating Assets: 0.09 (As of Jun. 2026)

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FOTB First Ottawa Bancshares Inc (DE) FOTB
67 GF Score
Price $221.98
GF Value $179.64
Valuation Modestly Overvalued
! 7 Warning Signs
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What is First Ottawa Bancshares (DE) Scaled Net Operating Assets?

First Ottawa Bancshares (DE) FOTB 67 Scaled Net Operating Assets is 0.09 as of Jun. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Ottawa Bancshares (DE)'s operating assets for the quarter that ended in Jun. 2026 was $2,034.42 Mil. First Ottawa Bancshares (DE)'s operating liabilities for the quarter that ended in Jun. 2026 was $1,856.33 Mil. First Ottawa Bancshares (DE)'s Total Assets for the quarter that ended in Mar. 2026 was $2,038.50 Mil. Therefore, First Ottawa Bancshares (DE)'s scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.09.

FOTB
67GF Score
First Ottawa Bancshares Inc (DE) FOTB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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First Ottawa Bancshares (DE) Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Ottawa Bancshares (DE)'s Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2001.38-1763.319)/1718.09
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2035.616 - 34.236
=2001.38

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1901.269 - 137.95 - 0
=1763.319

First Ottawa Bancshares (DE)'s Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(2034.416-1856.326)/2038.495
=0.09

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2070.387 - 35.971
=2034.416

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1921.176 - 64.85 - 0
=1856.326

* 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.

What does a Scaled Net Operating Assets of 0.09 mean?
First Ottawa Bancshares (DE) (FOTB) has a Scaled Net Operating Assets of 0.09 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Ottawa Bancshares (DE) and its competitors.
Is First Ottawa Bancshares (DE)'s Scaled Net Operating Assets too high?
First Ottawa Bancshares (DE)'s current Scaled Net Operating Assets is 0.09. 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 Scaled Net Operating Assets compare to CBTN and PSBQ?
First Ottawa Bancshares (DE)'s Scaled Net Operating Assets of 0.09 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Ottawa Bancshares (DE) and its competitors. First Ottawa Bancshares (DE)'s current Scaled Net Operating Assets is 0.09. 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 Scaled Net Operating Assets is 0.09. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For First Ottawa Bancshares (DE) (FOTB), the current Scaled Net Operating Assets is 0.09 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 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:

  • Scaled Net Operating Assets: 0.09
  • GF Value™: $179.64 vs. price of $221.98 (23.6% above fair value)
  • GF Score™: 67/100 with 7 warning signs

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 (DE) Business Description

Address 701 LaSalle Street, Ottawa, IL, USA, 61350
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$221.98
Price
$179.64
GF Value