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First Ottawa Bancshares, Inc (FOTB) Fair Value & Analysis

Financial Services · US · Market cap $209M

Price$220.00
Fair Value$341.66
Upside+55.3%
Quality95/100
Evidence: High Range $256.25 – $427.08

Fair value as of: Jun 26, 2026

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Analysis

First Ottawa Bancshares, Inc (FOTB) currently trades at $220.00, while our model-based Fair Value estimate is $341.66 — implying the stock looks roughly 55.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

First Ottawa Bancshares, Inc. operates as the bank holding company for American Commercial Bank & Trust, National Association that provides a range of banking and financial services to individual and corporate customers in Yorkville, Streator, Schaumburg, Ottawa, Morris, Lisle, Chicago, and Joliet, Illinois. The company offers personal banking services, including checking and savings accounts; time deposits; certificates of deposit and individual retirement accounts; mortgage loans; consumer lending; trust and estate services; personal and fiduciary services; safe deposit boxes; credit cards; and bill payment and online and mobile banking services. It also provides business banking services, such as e-business checking accounts; commercial checking accounts; commercial checking NOW accounts; deposit sweep and cash management balance accounts; commercial savings accounts; commercial money market accounts; non-profit NOW accounts; commercial lines of credit, commercial loans, commerci…

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Frequently asked questions

Is First Ottawa Bancshares, Inc (FOTB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $341.66 versus a price of $220.00 — about +55% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FOTB?
Our 21-model fair value for First Ottawa Bancshares, Inc is $341.66 (as of Jun 26, 2026), built from audited fundamentals. The current price is $220.00.
What is the quality score of FOTB?
First Ottawa Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.