OTTW

Ottawa Bancorp, Inc.

Financial · USD

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19.23 USD +0.05 +0.26%
As of Oct 30, 2026
19.23 Day range 19.23
14.00 52-week range 19.23
YTD
+30.82%
1 year
+23.27%
Open
19.23
Prev close
19.18
Mkt cap
44.25M
Vol
1.40K
Avg vol
8.12K
EPS
0.98
P/E
19.62
Div yield
3.32%
More statistics
Low
19.23
High
19.23
Forward P/E
0.00
Beta
0.65
Short ratio
5.49
Inst. own
24.27%
Dividend
0.32
Ex-div date
Jun 1, 2020
50-d avg
11.31
200-d avg
12.09
1y target
0.00

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Financial health

Altman Z-Score

0.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 2
  • P/B 4

Valuation

P/E 20.7×
FY 2016: 29.6×FY 2017: 57.8×FY 2018: 21.5×FY 2019: 22.3×FY 2020: 17.3×FY 2021: 14.2×FY 2022: 13.9×FY 2023: 16.9×FY 2024: 45.8×FY 2025: 20.7×
FY 2016 5y median 16.9× FY 2025
P/S 1.9×
FY 2016: 3.9×FY 2017: 4.2×FY 2018: 3.4×FY 2019: 3.0×FY 2020: 2.8×FY 2021: 2.8×FY 2022: 2.3×FY 2023: 1.7×FY 2024: 2.1×FY 2025: 1.9×
FY 2016 5y median 2.1× FY 2025
P/B 0.8×
FY 2016: 0.7×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 10.5×
FY 2016: 16.1×FY 2017: 16.4×FY 2018: 13.0×FY 2019: 13.3×FY 2020: 11.1×FY 2021: 15.1×FY 2022: 9.4×FY 2023: 9.2×FY 2024: -41.0×FY 2025: 10.5×
FY 2016 5y median 9.4× FY 2025
EV/EBITDA 11.2×
FY 2016: 14.9×FY 2017: 22.0×FY 2018: 15.5×FY 2019: 15.1×FY 2020: 13.4×FY 2021: 11.8×FY 2022: 11.8×FY 2023: 18.1×FY 2024: 29.4×FY 2025: 11.2×
FY 2016 5y median 11.8× FY 2025
EV/Sales 1.7×
FY 2016: 3.4×FY 2017: 5.2×FY 2018: 3.7×FY 2019: 3.1×FY 2020: 3.1×FY 2021: 3.4×FY 2022: 2.9×FY 2023: 2.9×FY 2024: 2.5×FY 2025: 1.7×
FY 2016 5y median 2.9× FY 2025
FCF Yield 9.5%
FY 2016: 6.2%FY 2017: 6.1%FY 2018: 7.7%FY 2019: 7.5%FY 2020: 9.0%FY 2021: 6.6%FY 2022: 10.6%FY 2023: 10.8%FY 2024: -2.4%FY 2025: 9.5%
FY 2016 5y median 9.5% FY 2025

Profitability

Gross Margin 62.5%
FY 2016: 86.6%FY 2017: 85.4%FY 2018: 80.2%FY 2019: 74.1%FY 2020: 79.0%FY 2021: 88.7%FY 2022: 79.1%FY 2023: 66.0%FY 2024: 57.6%FY 2025: 62.5%
FY 2016 5y median 66.0% FY 2025
Operating Margin 13.2%
FY 2016: 19.2%FY 2017: 20.8%FY 2018: 21.1%FY 2019: 18.7%FY 2020: 21.4%FY 2021: 27.3%FY 2022: 22.9%FY 2023: 14.4%FY 2024: 6.4%FY 2025: 13.2%
FY 2016 5y median 14.4% FY 2025
Net Margin 9.1%
FY 2016: 13.0%FY 2017: 7.3%FY 2018: 15.8%FY 2019: 13.6%FY 2020: 16.5%FY 2021: 19.5%FY 2022: 16.4%FY 2023: 10.3%FY 2024: 4.6%FY 2025: 9.1%
FY 2016 5y median 10.3% FY 2025
ROE 4.0%
FY 2016: 2.4%FY 2017: 1.5%FY 2018: 3.8%FY 2019: 3.8%FY 2020: 5.1%FY 2021: 6.0%FY 2022: 5.5%FY 2023: 3.9%FY 2024: 1.9%FY 2025: 4.0%
FY 2016 5y median 4.0% FY 2025
ROIC 2.6%
FY 2016: 2.2%FY 2017: 1.1%FY 2018: 2.9%FY 2019: 3.0%FY 2020: 0.8%FY 2021: 4.2%FY 2022: 3.1%FY 2023: 1.7%FY 2024: 0.4%FY 2025: 2.6%
FY 2016 5y median 2.6% FY 2025
ROA 0.5%
FY 2016: 0.5%FY 2017: 0.3%FY 2018: 0.7%FY 2019: 0.6%FY 2020: 0.8%FY 2021: 0.8%FY 2022: 0.7%FY 2023: 0.5%FY 2024: 0.2%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 9.8%
FY 2016: 1.3%FY 2017: 14.5%FY 2018: 13.8%FY 2019: 12.7%FY 2020: 5.6%FY 2021: -1.2%FY 2022: -2.3%FY 2023: 11.4%FY 2024: 3.8%FY 2025: 9.8%
FY 2016 FY 2025
Operating Income 126.4%
FY 2016: 83.0%FY 2017: 24.6%FY 2018: 15.3%FY 2019: -0.4%FY 2020: 20.9%FY 2021: 26.0%FY 2022: -17.9%FY 2023: -30.2%FY 2024: -53.8%FY 2025: 126.4%
FY 2016 FY 2025
EPS (diluted) 121.9%
FY 2016: 55.6%FY 2017: -40.5%FY 2018: 144.0%FY 2019: 1.6%FY 2020: 35.5%FY 2021: 22.6%FY 2022: -10.7%FY 2023: -28.3%FY 2024: -51.5%FY 2025: 121.9%
FY 2016 FY 2025
Free Cash Flow 478.1%
FY 2016: 0.9%FY 2017: 22.6%FY 2018: 14.6%FY 2019: -2.2%FY 2020: 19.6%FY 2021: -29.1%FY 2022: 28.0%FY 2023: -13.3%FY 2024: -128.8%FY 2025: 478.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 5137×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 5137×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.4×
FY 2016: 0.0×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.5×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA -1.4×
FY 2016: -2.3×FY 2017: 4.2×FY 2018: 1.1×FY 2019: 0.5×FY 2020: 1.1×FY 2021: 2.3×FY 2022: 2.7×FY 2023: 7.3×FY 2024: 4.6×FY 2025: -1.4×
FY 2016 5y median 2.7× FY 2025
Interest Coverage 0.3×
FY 2016: 2.2×FY 2017: 2.2×FY 2018: 1.3×FY 2019: 0.9×FY 2020: 1.3×FY 2021: 2.6×FY 2022: 1.8×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 0.3×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 2.9%
FY 2016: 0.0%FY 2017: 1.1%FY 2018: 2.0%FY 2019: 4.3%FY 2020: 4.6%FY 2021: 4.4%FY 2022: 3.5%FY 2023: 3.9%FY 2024: 3.0%FY 2025: 2.9%
FY 2016 5y median 3.5% FY 2025
Payout Ratio 60.5%
FY 2016: 0.0%FY 2017: 64.3%FY 2018: 42.9%FY 2019: 95.9%FY 2020: 79.1%FY 2021: 62.8%FY 2022: 48.4%FY 2023: 65.2%FY 2024: 137.9%FY 2025: 60.5%
FY 2016 5y median 62.8% FY 2025

Annual · latest fiscal year ends 2025-12-31