Ottawa Bancorp (OTTW) Stock Price, News & Analysis

Company Overview

Ottawa Bancorp, Inc. (OTCMKTS:OTTW) is the bank holding company of Ottawa Savings Bank, a community-focused financial institution headquartered in Ottawa, Ohio. Operating under a mutual holding company structure, Ottawa Bancorp emphasizes personalized service, local decision-making and reinvestment in the communities it serves.

Through Ottawa Savings Bank, the company provides a broad range of retail and commercial banking products, including checking and savings accounts, certificates of deposit, consumer lines of credit and residential mortgage loans. For business clients, the bank offers commercial real estate financing, equipment loans and a suite of treasury management and cash-management services. Customers also benefit from online and mobile banking platforms, which support secure account access, electronic fund transfers and remote deposit capture.

Ottawa Bancorp’s primary market is northwestern Ohio, where it maintains branch locations in Ottawa, Findlay, Lima and nearby communities. The company focuses on building long-term customer relationships through community outreach initiatives and tailored financial solutions that support local economic growth.

Key Stats

• Today's Range: $15.80 to $15.80
• 50-Day Range: $14.95 to $16.09
• 52-Week Range: $13.60 to $16.09
• Volume: 424 shs
• Average Volume: 2,647 shs
• Market Capitalization: $36.18 million
• P/E Ratio: 22.90
• Dividend Yield: 2.78%
• Price Target: N/A
• Consensus Rating: N/A

Ottawa Bancorp Stock Analysis - MarketRank™

Ottawa Bancorp scored higher than 18% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Ottawa Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Ottawa Bancorp is 22.90, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 43.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ottawa Bancorp is 22.90, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 21.18.

Price to Book Value per Share Ratio

Ottawa Bancorp has a P/B Ratio of 0.95. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.04% of the outstanding shares of Ottawa Bancorp have been sold short.

Short Interest Ratio / Days to Cover

Ottawa Bancorp has a short interest ratio ("days to cover") of 0.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Ottawa Bancorp has recently increased by 900.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Ottawa Bancorp pays a meaningful dividend of 2.80%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Ottawa Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Ottawa Bancorp is 63.77%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.04% of the outstanding shares of Ottawa Bancorp have been sold short.

Short Interest Ratio / Days to Cover

Ottawa Bancorp has a short interest ratio ("days to cover") of 0.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Ottawa Bancorp has recently increased by 900.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.9 / 5
• News Sentiment: -0.35

News Sentiment

Ottawa Bancorp has a news sentiment score of -0.35. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.64 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Ottawa Bancorp this week, compared to 3 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Ottawa Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 7.81% of the stock of Ottawa Bancorp is held by insiders.

OTTW Stock Analysis - Frequently Asked Questions

How have OTTW shares performed this year?

Ottawa Bancorp's stock was trading at $14.65 on January 1st, 2025. Since then, OTTW shares have increased by 7.8% and is now trading at $15.80.

How were Ottawa Bancorp's earnings last quarter?

Ottawa Bancorp (OTCMKTS:OTTW) announced its earnings results on Monday, July, 28th. The company reported $0.21 earnings per share (EPS) for the quarter. The company had revenue of $2.96 million for the quarter. Ottawa Bancorp had a trailing twelve-month return on equity of 4.04% and a net margin of 9.05%.

How do I buy shares of Ottawa Bancorp?

Shares of OTTW stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Ottawa Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Ottawa Bancorp investors own include Eastern Bankshares (EBC), BioMarin Pharmaceutical (BMRN), Rithm Capital (RITM), Alliance Resource Partners (ARLP), Archrock (AROC), Astronics (ATRO) and Blueberries Medical (BBM).

Company Calendar

• Last Earnings: 7/28/2025
• Ex-Dividend for 9/17 Dividend: 9/03/2025
• Record date for 9/17 Dividend: 9/04/2025
• Dividend Payable: 9/17/2025
• Today: 10/20/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:OTTW
• CIK: 1675192
• Web: www.ottawasavings.com
• Phone: (815) 433-2525
• Fax: 815-433-2573
• Employees: 50
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.69
• Trailing P/E Ratio: 22.90
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $780 thousand
• Net Margins: 9.05%
• Pretax Margin: 12.72%
• Return on Equity: 4.04%
• Return on Assets: 0.46%

Debt

• Debt-to-Equity Ratio: 0.58
• Current Ratio: 1.13
• Quick Ratio: 1.13

Sales & Book Value

• Annual Sales: $17.43 million
• Price / Sales: 2.08
• Cash Flow: $0.45 per share
• Price / Cash Flow: 35.02
• Book Value: $16.61 per share
• Price / Book: 0.95

Miscellaneous

• Outstanding Shares: 2,290,000
• Free Float: 2,111,000
• Market Cap: $36.18 million
• Optionable: Not Optionable
• Beta: 0.31