Ottawa Bancorp, Inc.

Ottawa Bancorp, Inc.

OTTW
Ottawa Bancorp, Inc.US flagOther OTC
15.10
USD
-0.16
- -
47.13MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.01
3.01
3.03
3.02
3.09
3.32
3.57
4.28
4.74
4.91
4.16
3.83
- -
4.49
Basic EPS, GAAP
0.45
0.39
0.27
0.43
0.25
0.62
0.62
0.84
1.03
0.92
0.66
0.32
- -
0.69
Free Cash Flow per Basic Share
1.82
1.05
0.81
0.8
0.88
1.02
1.03
1.31
0.97
1.35
1.21
-0.36
- -
- -
Dividend per Share
- -
- -
- -
- -
0.16
0.27
0.59
0.67
0.65
0.45
0.43
0.44
- -
- -
Book Value per Share
7.05
7.4
5.66
5.96
5.45
5.87
6.07
6.63
7.3
8.44
8.7
8.84
- -
9.23
Tangible Book Value per Share
10.34
13.65
10.32
17.64
16.02
16.15
15.97
16.47
16.78
16.46
16.99
16.42
- -
17.25
Basic Weighted Avg Shares
2
2
3
3
3
3
3
3
3
3
3
2
- -
2
Sales/Revenue/Turnover
6
6
9
9
10
11
11
13
13
13
10
9
11
11
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
1
1
1
1
1
2
2
2
3
2
2
1
2
2
Effective Tax Rate (%)
36.76
30.16
24.18
32.23
64.88
25.41
27.25
22.96
28.45
28.59
28.25
27.62
30.94
27.98
Profit Margin (%)
14.84
12.82
8.88
14.24
8.08
18.68
17.34
19.73
21.76
18.81
15.97
8.34
14.88
15.42
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
5
2
1
15
12
9
18
17
21
32
24
17
23
Total Equity
21
30
31
53
53
53
51
49
48
43
43
42
42
42
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
6.55
5.35
4.87
7.48
4.62
10.88
10.23
12.9
14.5
11.25
7.66
3.59
7.69
7.61

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
24
20
23
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
37
35
36

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
29
34
27
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
1
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.9%
-3.17%
-0.19%
Free Cash Flow
-56.58%
-124.26%
-478.11%
Net Income, GAAP
23%
6.35%
116%
Sales/Revenue/Turnover
3.28%
-1.22%
21.12%
Total Cash Common Dividend
- -
-11.2%
-5.18%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2
2
2
3
9
2025
3
3
3
- -
11
2026
3
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.1
-0.08
0.08
- -
0.32
2025
0.19
0.21
- -
- -
- -
2026
0.26
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.44
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Craig Hepner
Full Time Employees
57
Sector
Financial Services
Industry
Banks - Regional
Address
925 LaSalle Street Ottawa IL United States of America 61350
IPO Date
May 9, 2007
Business
Ottawa Bancorp, Inc. (OTCQX: OTTW) operates as the bank holding company for OSB Community Bank, a community savings bank that provides retail and commercial banking services to individual and corporate customers primarily in northern Illinois. OSB Community Bank offers deposit products including checking, savings, money market, interest-bearing, club savings, certificate of deposit, retirement, business checking, and municipal accounts; consumer and residential loans such as first-time homebuyer, auto, student, construction, mortgage, and home equity lines of credit; commercial loans encompassing business and investor real estate, lines of credit, equipment/machinery/business vehicle term loans, multi-family and non-residential real estate, and construction financing; cash management solutions featuring remote deposit capture, automated clearing house/payroll direct deposit, and merchant services; and additional services comprising digital banking, business credit cards, commercial leasing, notary, lamination, night depository, document faxing, money gift envelopes, safe deposit boxes, and coin counting. Founded in 1871 and headquartered at 925 LaSalle Street in Ottawa, Illinois, the bank maintains branches in Ottawa, Marseilles, and Morris, with a recent introduction of the mySpare Change automatic savings program from spare debit card transactions. In September 2025, Ottawa Bancorp completed a stock repurchase program acquiring 120,996 shares at an average price of $15.01 per share, and in November 2025 declared a quarterly cash dividend of $0.11 per share payable on or about December 17 to shareholders of record on December 3.

Company News

APIChat
  • OTTAWA BANCORP, INC. ANNOUNCES CASH DIVIDEND

  • Ottawa Bancorp, Inc. Announces 2026 First Quarter Results

  • Critical Survey: Ottawa Bancorp (OTCMKTS:OTTW) and West Shore Bank (OTCMKTS:WSSH)

  • Short Interest in Ottawa Bancorp (OTCMKTS:OTTW) Increases By 25.0%

  • OTTAWA BANCORP, INC. EXTENDS STANDSTILL AGREEMENT WITH STILWELL GROUP

  • OTTAWA BANCORP, INC. ANNOUNCES CASH DIVIDEND

  • Ottawa Bancorp, Inc. Announces Fourth Quarter and Fiscal 2025 Annual Results and 2026 Annual Meeting Date

  • Short Interest in Ottawa Bancorp (OTCMKTS:OTTW) Expands By 333.3%

  • OTTAWA BANCORP, INC. ANNOUNCES CASH DIVIDEND

  • Ottawa Bancorp, Inc. Announces 2025 Third Quarter Results

  • OTTAWA BANCORP, INC. ANNOUNCES COMPLETION OF STOCK REPURCHASE PROGRAM

  • OTTAWA BANCORP, INC. ANNOUNCES CASH DIVIDEND

  • Ottawa Bancorp, Inc. Announces 2025 Second Quarter Results

  • OTTAWA BANCORP, INC. ANNOUNCES CASH DIVIDEND

  • Ottawa Bancorp, Inc. Announces 2025 First Quarter Results and Approval of Stock Repurchase Program

  • OTTAWA BANCORP, INC. ANNOUNCES CASH DIVIDEND

  • Ottawa Bancorp, Inc. Announces Fourth Quarter and Fiscal 2024 Results and 2025 Annual Meeting Date

  • OTTAWA BANCORP, INC. ANNOUNCES COMPLETION OF STOCK REPURCHASE PROGRAM

  • OTTAWA BANCORP, INC. ANNOUNCES CASH DIVIDEND

  • Ottawa Bancorp, Inc. Announces Third Quarter 2024 Results