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First Ottawa Bancshares(OTC) FOTB

Market Cap$222.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2003)+365%
5 Year+208%
1 Year+46%
1 Month+2%
$226.50
-1.52%
-3.50Today
First Ottawa Bancshares last closing stock price
MetricPriceDate
Last closeUSD 230.002026-09-25
First Ottawa Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.44%USD 229.002026-09-18
1 month+1.77%USD 226.002026-08-26
3 month+5.5%USD 218.002026-06-26
Year to date+31.92%USD 174.352025-12-30
1 year+45.84%USD 157.712025-09-24
3 year+159.63%USD 88.592023-09-25
5 year+208.07%USD 74.662021-09-24
Since inception+364.72%USD 49.492003-09-19

First Ottawa Bancshares Financials at a Glance

Market Cap

$222.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$134.04M

Net Income (TTM)

$26.40M

EPS (TTM)

$27.98

P/E Ratio

8.22

Dividend

$1.60

Beta (Volatility)

0.03 (Low)

Price

$226.50

Volume

1

Open

$226.50

Previous Close

$230.00

Daily Range

$226.50 - $226.50

52-Week Range

$152.01 - $236.00

Estimated Earnings Date

Jun 1, 2026

FOTB News

No articles available.

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About First Ottawa Bancshares

First Ottawa Bancshares, Inc. is the holding company for American Commercial Bank & Trust, National Association. This financial institution provides a wide range of banking and financial solutions to individual consumers and businesses in Illinois.

Products and Services
  • Personal banking services including checking and savings accounts
  • Commercial banking services such as cash management and lending options
  • Digital banking solutions including online and mobile banking
Growth Outlook
  • Recent quarterly revenue increased to $35.03 million, up from $32.46 million
  • Net income for Q2 2026 reached $6.79 million, reflecting strong profitability
  • Return on equity stands at 19.14%, indicating effective management of shareholder funds
Financial Highlights
  • Trailing twelve months (TTM) revenue of $132.4 million, showcasing consistent growth
  • Net profit margin of 19.70%, demonstrating strong operational efficiency
  • Dividend yield of 0.70%, providing a steady income stream for investors
First Ottawa Bancshares, Inc. has established a solid presence in the regional banking sector, focusing on both personal and commercial banking services. The company has shown resilience and growth potential, as evidenced by its recent financial performance. The increase in revenue and net income highlights the effectiveness of its business strategies and operational management. With a strong return on equity and a consistent dividend yield, First Ottawa Bancshares, Inc. presents an attractive opportunity for investors looking for stability and growth in the financial services sector.
AI Generated • Sep 19, 2026

Industry

Banks

Sector

Financials

Employees

165

CEO

Steven M. Gonzalo

Website

www.firstottawa.com

Headquarters

Ottawa, IL 61350, US

FOTB Financials

Key Financial Metrics (TTM)

Gross Margin

63.27%

Operating Margin

26.85%

Net Income Margin

19.70%

Return on Equity

19.14%

Return on Capital

12.55%

Return on Assets

1.28%

Earnings Yield

12.17%

Dividend Yield

0.70%

Payout Ratio

0.00%

Stock Overview

Market Cap

$222.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

966.20K

Volume

1

Avg. Volume

199.719

Financials (TTM)

Gross Profit

$84.81M

Operating Income

$35.99M

EBITDA

$35.99M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$35.97M

Total Debt

$64.85M

First Ottawa Bancshares Performance Analysis

First Ottawa Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 58,828,00021.1%
20232023-12-31USD 87,033,00047.9%
20242024-12-31USD 106,930,00022.9%
20252025-12-31USD 124,850,00016.8%
First Ottawa Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3012.8%
Q42025-12-310.1%
Q12026-03-31-2.5%
Q22026-06-307.9%
First Ottawa Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 13.962.5%
20232023-12-31USD 15.5611.5%
20242024-12-31USD 20.7933.6%
20252025-12-31USD 26.7228.5%
First Ottawa Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3029.6%
Q42025-12-31-11.5%
Q12026-03-31-13.5%
Q22026-06-3017.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$35.03M

+18.7%

Gross Profit

$22.64M

+28.0%

Gross Margin

64.62%

N/A

Market Cap

$222.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.28M

N/A

Employees

174

N/A

Net Income

$6.79M

+19.4%

EBITDA

$9.22M

+18.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$35.97M

-29.4%

Total Debt

$64.85M

-17.1%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$64.85M

-17.1%

Short Term Debt

$0.00

N/A

Return on Assets

1.28%

N/A

Return on Invested Capital

15.67%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About FOTB

What is the current price of First Ottawa Bancshares?

First Ottawa Bancshares is trading at $226.50 per share.

What is the 52-week range for First Ottawa Bancshares?

Over the past 52 weeks, First Ottawa Bancshares has traded between $152.01 and $236.00.

How much debt does First Ottawa Bancshares have?

As of the most recent reporting period, First Ottawa Bancshares reported total debt of $64.85M.

How much cash does First Ottawa Bancshares have on hand?

First Ottawa Bancshares does not have cash on hand data available.

What is First Ottawa Bancshares’s dividend yield?

First Ottawa Bancshares currently has a dividend yield of 0.70%.

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