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Ottawa Bancorp, Inc. (OTTW)

USD15.60 +0.20 (+1.30%)
US OTC Financial Services Banks - Regional
Address 925 LaSalle Street 61350
Ottawa, IL, US
CEO Craig Hepner
Website myosb.bank
IPO 2007-05-09
ISIN US6891951054

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Description

Ottawa Bancorp, Inc. operates as the bank holding company for OSB Community Bank, a savings bank that provides various financial services to individual and corporate customers in Illinois. The company offers saving, checking, money market, and interest-bearing accounts, as well as certificate of deposit; and business checking and municipal accounts. It provides business loans, including business and investor real estate loans, lines of credit, equipment/machinery/business vehicle term loans; first time homebuyer, auto, student, construction, and mortgage loans; and home equity lines of credit. In addition, the company offers cash management solutions, such as remote deposit capture, automated clearing house/payroll direct deposit, and merchant services; commercial leasing, business credit cards; digital banking; and additional services comprising notary, lamination, night depository, document faxing, money gift envelopes, safe deposit boxes, and coin counting. The company was formerly known as Ottawa Savings Bancorp, Inc. and changed its name to Ottawa Bancorp, Inc. in October 2016. Ottawa Bancorp, Inc. was founded in 1871 and is based in Ottawa, Illinois.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD15.60 +0.20 (+1.30%)
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Volume Profile
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Liquidity & share structure
Average Volume
937
Beta
0.12
Float Shares
3.11M
Free Float %
99.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.33% -0.13% -1.29% +6.55% +3.31% +4.08% +3.38% +50.15% +6.99% +65.76% +39.09%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
15.60
DCF (Unlevered) 2.71 -82.7%
DCF (Levered) 5.41 -65.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.29
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +9.8% Q1'26: +12.8% (vs Q1'25)
  • EPS growth
    +121.9% Q1'26: +36.8% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +17.2% (vs Q1'25)
  • ROIC
    Q1'26: +4.6% (vs Q1'25)
  • Share dilution
    -3.1% Q1'26: -2.2% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 5.11× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.13) × ERP
WACC = 68% × Ke + 32% × Kd (40.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 2.71 Current price: 15.60
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-20 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-19 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-18 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-15 B 3/5 3/5 2/5 3/5 2/5 2/5 4/5
2026-05-12 B 3/5 3/5 2/5 3/5 2/5 2/5 4/5
2026-05-08 B 3/5 3/5 2/5 3/5 2/5 2/5 4/5
2026-05-06 B 3/5 3/5 2/5 3/5 2/5 2/5 4/5
2026-05-05 B 3/5 3/5 2/5 3/5 2/5 2/5 4/5
2026-05-01 B 3/5 3/5 2/5 3/5 2/5 2/5 4/5
2026-04-30 B 3/5 3/5 2/5 3/5 2/5 2/5 4/5
2026-04-29 B 3/5 3/5 2/5 3/5 2/5 2/5 4/5
2026-04-28 B 3/5 3/5 2/5 3/5 2/5 2/5 4/5
2026-04-27 B 3/5 3/5 2/5 3/5 2/5 2/5 4/5
2026-04-23 B 3/5 3/5 2/5 4/5 2/5 2/5 4/5
2026-04-22 B 3/5 3/5 2/5 4/5 2/5 2/5 4/5
2026-04-20 B 3/5 3/5 2/5 4/5 2/5 2/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-3.5K
OE per share TTM
0.00
Owner's Yield
-0.01%
Maintenance CapEx ratio
75.43%
Maint CapEx / Avg PPE
39.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
5
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 13-4064930 274.3K 8.60% 274.3K 274.3K IA Delaware 2020-02-18
2 Ottawa Savings Bank Employee Stock Ownership Plan Trust 260.7K 7.50% 196.2K 64.5K 260.7K EP State of Illinois 2017-02-08
3 Terry Maltese 238.9K 6.91% 237.8K 237.8K 237.8K HC, IN USA 2017-02-02
4 Maltese Capital Management LLC 237.8K 6.88% 237.8K 237.8K 237.8K 237.8K OO New York 2017-02-02
5 Ottawa Savings Bank Employee Stock Ownership Plan 237.7K 7.50% 237.7K EP State of Illinois 2020-02-12

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
4
Sells
0
Shares acquired
1.7K
Shares disposed
Cash buys
1.00
Cash sales
Net activity
+1,738
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2020-05-13 Hepner Craig M Director / Officer P-Purchase A Common Stock 200 11.07 2.2K 1,245
2020-04-30 Hepner Craig M Director / Officer A-Award A Common Stock 492 0.00 492
2020-04-17 Stoudt Mark Officer A-Award A Common Stock 523 0.00 523
2020-04-17 KINGRY MARC N Officer A-Award A Common Stock 523 0.00 523
2020-03-10 Stoudt Mark Officer A-Award A Common Stock 911 0.00 911
2020-03-10 KINGRY MARC N Officer A-Award A Common Stock 896 0.00 896
2020-03-10 Hepner Craig M Director / Officer A-Award A Common Stock 1,226 0.00 1,226
2020-02-25 KINGRY MARC N Officer M-Exempt A Common Stock 3,750 3.57 13.4K 20,617
2020-01-03 Kranov Jon Director G-Gift A Common Stock 39,876 0.00 39,876
2019-12-10 Kranov Jon Director S-Sale D Common Stock 500 13.75 6.9K 39,876
2019-12-10 Hepner Craig M Director / Officer P-Purchase A Common Stock 500 13.75 6.9K 1,045
2019-11-13 Kranov Jon Director S-Sale D Common Stock 299 13.85 4.1K 40,876
2019-11-01 Mueller Arthur Director A-Award A Common Stock 360 0.00 16,999
2019-11-01 Kuiper William Director A-Award A Common Stock 360 0.00 7,301
2019-11-01 Kranov Jon Director A-Award A Common Stock 360 0.00 41,376
2019-11-01 Johnson Keith Director A-Award A Common Stock 360 0.00 24,655
2019-11-01 Ferrero James Director A-Award A Common Stock 360 0.00 24,953
2019-11-01 Armstrong John M. Director A-Award A Common Stock 360 0.00 5,963
2019-11-01 Adler Thomas Michael Director A-Award A Common Stock 360 0.00 4,001
2019-08-20 Hepner Craig M Director / Officer P-Purchase A Common Stock 100 12.58 1.3K 341
2019-05-30 Kranov Jon Director / Officer S-Sale D Common Stock 400 13.70 5.5K 41,016
2019-05-30 Adler Thomas Michael Director P-Purchase A Common Stock 400 13.70 5.5K 3,641
2019-05-14 Kuiper William Director P-Purchase A Common Stock 2,000 13.70 27.4K 6,941
2019-05-14 Kranov Jon Director / Officer S-Sale D Common Stock 2,300 13.70 31.5K 41,416
2019-05-14 Adler Thomas Michael Director P-Purchase A Common Stock 300 13.70 4.1K 3,241
2019-03-12 KINGRY MARC N Officer M-Exempt A Common Stock 2,500 3.57 8.9K 16,663
2018-11-01 Stoudt Mark Officer M-Exempt A Common Stock 6,498 8.31 54.0K 7,783
2018-11-01 Mueller Arthur Director A-Award A Common Stock 365 0.00 16,639
2018-11-01 Kuiper William Director A-Award A Common Stock 365 0.00 4,941
2018-11-01 KINGRY MARC N Officer A-Award A Common Stock 1,020 0.00 1,020
2018-11-01 Johnson Keith Director A-Award A Common Stock 365 0.00 24,295
2018-11-01 Hepner Craig M Director / Officer A-Award A Common Stock 1,020 0.00 1,020
2018-11-01 Ferrero James Director A-Award A Common Stock 365 0.00 24,593
2018-11-01 Armstrong John M. Director A-Award A Common Stock 365 0.00 5,603
2018-11-01 Adler Thomas Michael Director A-Award A Common Stock 365 0.00 2,941
2018-08-21 Hepner Craig M Director / Officer P-Purchase A Common Stock 75 13.75 1.0K 241
2018-03-19 Kranov Jon Director / Officer M-Exempt D Stock Option (Right to Buy) 10,397 5.03 52.3K 0
2018-03-16 KINGRY MARC N Officer M-Exempt A Common Stock 3,596 3.57 12.8K 14,163
2017-12-01 Kuiper William Director P-Purchase A Common Stock 1,000 14.07 14.1K 4,576
2017-11-27 Hepner Craig M Director / Officer P-Purchase A Common Stock 35 14.00 490.00 166
2017-11-21 Adler Thomas Michael Director P-Purchase A Common Stock 1,400 14.03 19.6K 1,400
2017-09-08 Armstrong John M. Director S-Sale D Common Stock 1,897 13.67 25.9K 0
2017-09-07 Armstrong John M. Director S-Sale D Common Stock 2,100 13.65 28.7K 1,897
2017-09-06 Armstrong John M. Director S-Sale D Common Stock 771 13.75 10.6K 3,997
2017-09-01 Kuiper William Director P-Purchase A Common Stock 1,000 13.70 13.7K 3,576
2017-08-24 KINGRY MARC N Officer M-Exempt D Stock Option (Right to Buy) 2,000 3.57 7.1K 13,596
2016-12-31 Reynolds Daniel Director D Common Stock 0 0.00 28,385
2016-12-31 KINGRY MARC N Officer I Common Stock 0 0.00 2,200
2016-12-31 Johnson Keith Director 0 0.00 0
2016-12-31 Armstrong John M. Director I Common Stock 0 0.00 369
2016-11-16 Mueller Arthur Director M-Exempt A Common Stock 6,498 10.36 67.3K 22,017
2016-11-15 Johnson Keith Director M-Exempt A Common Stock 6,498 10.36 67.3K 29,362
2016-11-15 Ferrero James Director M-Exempt A Common Stock 6,498 10.36 67.3K 29,958
2016-11-09 Kranov Jon Director / Officer M-Exempt A Common Stock 22,093 10.36 228.9K 52,896
2016-11-08 Reynolds Daniel Director F-InKind D Common Stock 2,901 11.60 33.7K 25,136
2016-10-11 Stoudt Mark Officer J-Other A Common Stock 115 0.00 3,615
2016-10-11 Reynolds Daniel Director J-Other A Stock Option (Right to Buy) 6,498 10.36 67.3K 6,498
2016-10-11 Mueller Arthur Director P-Purchase A Common Stock 1,000 10.00 10.0K 15,519
2016-10-11 Kuiper William Director J-Other A Common Stock 476 0.00 2,576
2016-10-11 Kranov Jon Director / Officer P-Purchase A Common Stock 2,500 10.00 25.0K 30,803
2016-10-11 KINGRY MARC N Officer J-Other A Common Stock 119 0.00 119
2016-10-11 Johnson Keith Director J-Other A Common Stock 22,864 0.00 22,864
2016-10-11 Hepner Craig M Director / Officer P-Purchase A Common Stock 3,500 10.00 35.0K 3,500
2016-10-11 Ferrero James Director J-Other A Stock Option (Right to Buy) 6,498 10.36 67.3K 6,498
2016-10-11 Armstrong John M. Director J-Other A Common Stock 238 0.00 5,238
2016-10-11 Adler Thomas Michael Director J-Other A Common Stock 476 0.00 2,576
2015-05-01 Ferrero James Director W-Will A Common Stock 17,881 0.00 17,881

Executive team

Top executives
EBIT / Employee
32.9K
Shares Outstanding
3.12M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2019 Craig M. Hepner President and Chief Executive Officer 157.0K 11.1K 49.2K 217.3K 0.00%
2 2019 Jon Kranov Former President and Chief Executive Officer 144.4K 26.5K 45.7K 216.5K 0.00%
3 2019 Mark M. Stoudt Executive Vice President and Chief Lending Officer 149.5K 10.6K 35.2K 195.3K 0.00%
4 2019 Marc N. Kingry Senior Vice President and Chief Financial Officer 149.5K 10.6K 26.8K 186.9K 0.00%
5 2018 Jon Kranov President and Chief Executive Officer 220.0K 83.4K 62.8K 366.2K 0.00%
6 2018 Jon Kranov Former President and Chief Executive Officer 220.0K 83.4K 62.8K 366.2K 0.00%
7 2018 Craig M. Hepner President and Chief Executive Officer 142.0K 13.5K 31.9K 46.8K 234.1K 5.75%
8 2018 Craig Hepner Executive Vice President and Chief Operating Officer 142.0K 13.5K 31.9K 46.8K 234.1K 5.75%
9 2018 Mark M. Stoudt Executive Vice President and Chief Lending Officer 138.3K 13.5K 31.7K 35.5K 218.9K 6.14%
10 2018 Mark Stoudt Vice President and Chief Lending Officer 138.3K 13.5K 31.7K 35.5K 218.9K 6.14%
11 2017 Jon Kranov President and Chief Executive Officer 209.5K 42.7K 56.3K 308.5K 0.00%
12 2017 Craig Hepner Executive Vice President and Chief Operating Officer 132.5K 27.0K 41.0K 200.5K 0.00%
13 2017 Craig Hepner Executive Vice President and C hief Operating O fficer 132.5K 27.0K 40.9K 200.4K 0.00%
14 2017 Marc Kingry Vice President and C hief Financial Officer 136.5K 27.8K 25.5K 189.7K 0.00%
15 2017 Mark Stoudt Vice President and Chief Lending Officer 131.1K 26.7K 28.5K 186.2K 0.00%
16 2016 Jon Kranov President and Chief Executive Officer 197.6K 20.8K 54.9K 273.3K 0.00%
17 2016 Craig Hepner Executive Vice President and C hief Operating O fficer 125.0K 13.2K 39.5K 177.7K 0.00%
18 2016 Marc Kingry Vice President and C hief Financial Officer 130.0K 13.7K 24.5K 168.2K 0.00%
19 2015 Jon Kranov President and Chief Executive Officer 190.0K 19.0K 40.9K 249.9K 0.00%
20 2015 Craig Hepner Executive Vice President and C hief Operating O fficer 115.8K 11.6K 27.0K 154.4K 0.00%
21 2015 Marc Kingry Vice President and C hief Financial Officer 125.0K 12.5K 12.6K 150.1K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2020-04-17 DEF 14A
2019-04-05 DEF 14A
2018-04-11 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2020-07-10 15-12B
2020-06-30 S-8 POS
2020-06-30 S-8 POS
2020-06-30 25
2020-06-29 11-K
2020-06-22 8-K
2020-05-27 8-K
2020-05-15 4
2020-05-15 10-Q
2020-05-12 8-K

Executive team

NameTitleCompensationGender
Craig Hepner Chairman, President & Chief Executive Officer 329.3K male
Mark Stoudt Executive VP, Director & Chief Lending Officer 256.5K male
Marc N. Kingry Senior Vice President & Chief Financial Officer 229.3K male
Laurie Duffell Corporate Secretary female
Tracie Young Senior VP & COO female
ESG Rating
B
BANKS - REGIONAL
2019
E (Environmental)
65.2 / 64.3
Company / Sector avg.
S (Social)
65.0 / 76.5
Company / Sector avg.
G (Governance)
62.1 / 75.5
Company / Sector avg.
ESG Total
64.1 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits