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Ottawa BancorpOTTW 62 5-Year Yield-on-Cost % is 3.69 as of Jul. 19, 2026, which is 3% above its 10-year median of 3.59. GuruFocus rates OTTW with a GF Score™ of 62/100 and a GF Value™ of $15.15 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,259 Banks companies, Ottawa Bancorp ranks worse than 53.53% on this metric.
Ottawa Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 3.69.
The historical rank and industry rank for Ottawa Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
OTTW'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.38 Med: 3.59 Max: 5.78
Current: 3.69
During the past 13 years, Ottawa Bancorp's highest Yield on Cost was 5.78. The lowest was 0.38. And the median was 3.59.
OTTW's 5-Year Yield-on-Cost % is ranked worse than 53.53% of 1259
companies
in the Banks industry
Industry Median: 3.86
vs OTTW: 3.69
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Ottawa Bancorp 5-Year Yield-on-Cost % Related Terms
OTTW vs EFSG, SSBP, GBNY: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Ottawa Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Ottawa Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Ottawa Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Ottawa Bancorp is calculated as
Ottawa Bancorp (OTTW) has a 5-Year Yield-on-Cost % of 3.69 as of Jul. 19, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ottawa Bancorp and its competitors. This is near median its historical median of 3.59. Over the past decade, Ottawa Bancorp's 5-Year Yield-on-Cost % has ranged from 0.38 to 5.78. According to the industry distribution chart, Ottawa Bancorp ranks #674 out of 1259 companies in the Banks industry, placing it in the top 53.5%.
Is Ottawa Bancorp's 5-Year Yield-on-Cost % too high?
Ottawa Bancorp's current 5-Year Yield-on-Cost % of 3.69 is near median its 10-year median of 3.59. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 5.78. The Banks industry median 5-Year Yield-on-Cost % is 3.86. Ottawa Bancorp's value of 3.69 is 4.4% below this industry median. Based on the distribution chart, Ottawa Bancorp ranks #674 out of 1259 companies in the Banks industry, which is below the industry midpoint. Overall, Ottawa Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ottawa Bancorp's 5-Year Yield-on-Cost % compare to EFSG and SSBP?
According to the Banks industry distribution chart, Ottawa Bancorp ranks #674 out of 1259 companies for 5-Year Yield-on-Cost %. This places Ottawa Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.86. Ottawa Bancorp's value of 3.69 is 4.4% below this benchmark. Historically, Ottawa Bancorp's own 5-Year Yield-on-Cost % has ranged from 0.38 to 5.78 over the past decade. While the company's 10-year median is 3.59 vs. the industry median of 3.86, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.86, based on 1,259 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ottawa Bancorp's current 5-Year Yield-on-Cost % of 3.69 is 4.4% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ottawa Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ottawa Bancorp's current 5-Year Yield-on-Cost % is 3.69, which is near median its own 10-year median of 3.59. 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 $15.15, compared to a current price of $15.60 — trading 3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.69, which is near median its 10-year median of 3.59 and 4.4% below the Banks industry median of 3.86. Ottawa Bancorp's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Ottawa Bancorp (OTTW), the current 5-Year Yield-on-Cost % is 3.69 as of Jul. 19, 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 $15.60 is trading 3% above its estimated GF Value™ of $15.15.
GuruFocus considers Ottawa Bancorp to be Fairly Valued.
Key valuation signals for OTTW:
5-Year Yield-on-Cost %: 3.69 (near median its 10-year median of 3.59)
GF Value™: $15.15 vs. price of $15.60 (3% above fair value)
Industry Position: 4.4% below the Banks median (#674 of 1259)
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.
62GF Score
Get the complete analysis for OTTW
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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