Ottawa Bancorp

OTTW

Banks - Regional · Financial Services

Price

$15.60

+0.00 (+0.00%)

Market Cap

$48.7M

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Share count falling — buybacks

−16.0% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 2.8M (2021) → 2.4M (2025)

Ottawa Bancorp is a small community bank holding company based in Ottawa, Illinois. It operates through its subsidiary, Ottawa Savings Bank, which offers everyday banking services like checking and savings accounts, home loans, and other basic financial products. The bank mainly serves individuals and small businesses in the Illinois Valley region.

The company makes money primarily through the difference between the interest it earns on loans and the interest it pays out on deposits, which is called net interest income. It is a very small bank with a market cap near zero, meaning it has limited scale compared to regional or national competitors. The main risk Ottawa Bancorp faces is its size — small community banks struggle to compete with larger institutions that have more resources, broader technology offerings, and the ability to absorb rising costs more easily, making long-term profitability a consistent challenge.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+12.8% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+36.8% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.4%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$9M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Ottawa Bancorp is a rare growth stock that's already generating positive cash flow while growing at 13%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

66.7%

Premium pricing power — 66.7% gross margin

Operating Margin

17.2%

Healthy — 17.2% operating margin

ROCE

1.4%

Weak — 1.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+26.0%

Fast-growing sales (26.0% YoY)

EPS YoY

+97.5%

Earnings growing fast (97.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

0.41

Conservative — low debt load (0.41)

Interest Cover

0.38x

Dangerous — barely covers interest (0.4x)

Interest coverage below 1. Their profits don't cover the interest bill.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

19.7x

Fair value — P/E 19.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend Yield

2.86%

Moderate income — 2.86% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+0.0%

Dividend flat

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial