Ottawa Bancorp, Inc. (OTTW)
Ottawa, IL, US
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.33% | -0.13% | -1.29% | +6.55% | +3.31% | +4.08% | +3.38% | +50.15% | +6.99% | +65.76% | +39.09% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
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Revenue growth+9.8% Q1'26: +12.8% (vs Q1'25)
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EPS growth+121.9% Q1'26: +36.8% (vs Q1'25)
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FCF margin— Q1'26: +0.0% (vs Q1'25)
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EBIT margin— Q1'26: +17.2% (vs Q1'25)
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ROIC— Q1'26: +4.6% (vs Q1'25)
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Share dilution-3.1% Q1'26: -2.2% (vs Q1'25)
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Debt / EBITDA— Q1'26: 5.11× (vs Q1'25)
* 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.
| 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
Ownership Overview
Ownership breakdown not available.
| # | 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 history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
| 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
Executive compensation
| # | 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% | ↗ |
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| 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 |
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for OTTW
Short-term intention
Target Price Distribution
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