OTTW (Ottawa Bancorp) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)


OTTW Ottawa Bancorp Inc OTTW
61 GF Score
Price $15.35
GF Value $15.16
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Ottawa Bancorp Scaled Net Operating Assets?

Ottawa Bancorp OTTW 61 Scaled Net Operating Assets is 0.07 as of Mar. 2026. 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.

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

Ottawa Bancorp's operating assets for the quarter that ended in Mar. 2026 was $329.04 Mil. Ottawa Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $301.87 Mil. Ottawa Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $362.59 Mil. Therefore, Ottawa Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

OTTW
61GF Score
Ottawa Bancorp Inc OTTW
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ottawa Bancorp 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.

Ottawa Bancorp'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 )
=(341.532-303.79)/353.651
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=362.592 - 21.06
=341.532

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=320.889 - 17.099 - 0
=303.79

Ottawa Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(329.041-301.866)/362.592
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=360.848 - 31.807
=329.041

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=318.928 - 17.062 - 0
=301.866

* 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 0.07 mean?
Ottawa Bancorp (OTTW) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ottawa Bancorp and its competitors.
Is Ottawa Bancorp's Scaled Net Operating Assets too high?
Ottawa Bancorp's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets compare to EFSG and SSBP?
Ottawa Bancorp's Scaled Net Operating Assets of 0.07 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 Ottawa Bancorp and its competitors. Ottawa Bancorp's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Ottawa Bancorp (OTTW), the current Scaled Net Operating Assets is 0.07 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:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: $15.16 vs. price of $15.35 (1.3% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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 Business Description

Address 925 LaSalle Street, Ottawa, IL, USA, 61350
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

Get the complete analysis for OTTW

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.35
Price
$15.16
GF Value