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Ottawa Bancorp, Inc (OTTW) Fair Value & Analysis

Financial Services · US · Market cap $35.3M

Price$15.35
Fair Value$9.49
Upside-38.2%
Quality95/100
Evidence: High Range $7.12 – $11.87

Fair value as of: Jun 26, 2026

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Analysis

Ottawa Bancorp, Inc (OTTW) currently trades at $15.35, while our model-based Fair Value estimate is $9.49 — implying the stock looks roughly 38.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 provides saving, checking, money market, and interest-bearing accounts, as well as certificate of deposit; and business checking and municipal accounts. It offers 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 provides 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 form…

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Frequently asked questions

Is Ottawa Bancorp, Inc (OTTW) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $9.49 versus a price of $15.35 — about −38% (overvalued). Model-based estimate, not financial advice.
What is the fair value of OTTW?
Our 21-model fair value for Ottawa Bancorp, Inc is $9.49 (as of Jun 26, 2026), built from audited fundamentals. The current price is $15.35.
What is the quality score of OTTW?
Ottawa Bancorp, 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.