Ottawa Savings Bancorp Inc
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 … Read more
Ottawa Savings Bancorp Inc (OTTW) - Net Assets
Latest net assets as of June 2025: $41.66 Million USD
Based on the latest financial reports, Ottawa Savings Bancorp Inc (OTTW) has net assets worth $41.66 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($346.81 Million) and total liabilities ($305.16 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $41.66 Million |
| % of Total Assets | 12.01% |
| Annual Growth Rate | 5.33% |
| 5-Year Change | -17.89% |
| 10-Year Change | 38.19% |
| Growth Volatility | 24.19 |
Ottawa Savings Bancorp Inc - Net Assets Trend (2003–2023)
This chart illustrates how Ottawa Savings Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Ottawa Savings Bancorp Inc (2003–2023)
The table below shows the annual net assets of Ottawa Savings Bancorp Inc from 2003 to 2023.
| Year | Net Assets | Change |
|---|---|---|
| 2023-12-31 | $41.64 Million | +0.42% |
| 2022-12-31 | $41.47 Million | -9.80% |
| 2021-12-31 | $45.97 Million | -4.68% |
| 2020-12-31 | $48.23 Million | -4.89% |
| 2019-12-31 | $50.71 Million | -4.00% |
| 2018-12-31 | $52.82 Million | +1.78% |
| 2017-12-31 | $51.90 Million | -0.07% |
| 2016-12-31 | $51.94 Million | +69.11% |
| 2015-12-31 | $30.71 Million | +1.92% |
| 2014-12-31 | $30.13 Million | +38.19% |
| 2013-12-31 | $21.80 Million | +2.45% |
| 2012-12-31 | $21.28 Million | +3.71% |
| 2011-12-31 | $20.52 Million | -6.01% |
| 2010-12-31 | $21.84 Million | -1.98% |
| 2009-12-31 | $22.28 Million | +1.26% |
| 2008-12-31 | $22.00 Million | +0.19% |
| 2007-12-31 | $21.96 Million | +12.32% |
| 2006-12-31 | $19.55 Million | +1.64% |
| 2005-12-31 | $19.23 Million | +74.76% |
| 2004-12-31 | $11.01 Million | -25.30% |
| 2003-12-31 | $14.73 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Ottawa Savings Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 48.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2023)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $21.80 Million | 52.35% |
| Other Components | $19.84 Million | 47.65% |
| Total Equity | $41.64 Million | 100.00% |
Ottawa Savings Bancorp Inc Competitors by Market Cap
The table below lists competitors of Ottawa Savings Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Allied Digital Services Limited
NSE:ADSL
|
$32.95 Million |
|
Sunjin Beauty Science Co. Ltd.
KQ:086710
|
$32.95 Million |
|
TMC Life Sciences Bhd
KLSE:0101
|
$32.96 Million |
|
Doral Group Renewable Energy Resources Ltd
TA:DORL
|
$32.97 Million |
|
REC Silicon ASA
PINK:RNWEF
|
$32.94 Million |
|
Savezone I C
KO:067830
|
$32.94 Million |
|
Kartonsan Karton Sanayi ve Ticaret AS
IS:KARTN
|
$32.93 Million |
|
Maiden Holdings Ltd
NASDAQ:MHLD
|
$32.93 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Ottawa Savings Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2022 to 2023, total equity changed from 41,466,920 to 41,639,619, a change of 172,699 (0.4%).
- Net income of 1,668,751 contributed positively to equity growth.
- Dividend payments of 1,087,820 reduced retained earnings.
- Share repurchases of 168,561 reduced equity.
Equity Change Factors (2022 to 2023)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $1.67 Million | +4.01% |
| Dividends Paid | $1.09 Million | -2.61% |
| Share Repurchases | $168.56K | -0.4% |
| Other Changes | $-239.67K | -0.58% |
| Total Change | $- | 0.42% |
Book Value vs Market Value Analysis
This analysis compares Ottawa Savings Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.86x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.28x to 0.86x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $10.90 | $14.00 | x |
| 2014-12-31 | $15.07 | $14.00 | x |
| 2015-12-31 | $10.24 | $14.00 | x |
| 2016-12-31 | $17.31 | $14.00 | x |
| 2017-12-31 | $15.04 | $14.00 | x |
| 2018-12-31 | $15.73 | $14.00 | x |
| 2019-12-31 | $16.05 | $14.00 | x |
| 2020-12-31 | $16.35 | $14.00 | x |
| 2021-12-31 | $16.31 | $14.00 | x |
| 2022-12-31 | $16.19 | $14.00 | x |
| 2023-12-31 | $16.31 | $14.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Ottawa Savings Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.01%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.97%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 8.74x
- Recent ROE (4.01%) is above the historical average (3.84%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2003 | 0.78% | 1.34% | 0.05x | 10.65x | $-1.36 Million |
| 2005 | 4.51% | 9.62% | 0.05x | 9.66x | $-1.06 Million |
| 2006 | 4.83% | 8.90% | 0.05x | 10.48x | $-1.01 Million |
| 2007 | 10.06% | 17.74% | 0.06x | 9.44x | $13.30K |
| 2008 | 2.17% | 3.96% | 0.06x | 9.36x | $-1.72 Million |
| 2009 | 1.06% | 2.07% | 0.06x | 9.01x | $-1.99 Million |
| 2012 | 3.17% | 7.87% | 0.05x | 8.41x | $-1.45 Million |
| 2013 | 4.26% | 12.21% | 0.04x | 7.82x | $-1.25 Million |
| 2014 | 2.67% | 11.19% | 0.03x | 7.36x | $-2.21 Million |
| 2015 | 2.51% | 9.20% | 0.04x | 6.95x | $-2.30 Million |
| 2016 | 2.43% | 13.54% | 0.04x | 4.43x | $-3.93 Million |
| 2017 | 1.57% | 8.08% | 0.04x | 4.92x | $-4.38 Million |
| 2018 | 3.78% | 18.68% | 0.04x | 5.54x | $-3.29 Million |
| 2019 | 3.82% | 17.34% | 0.04x | 5.93x | $-3.13 Million |
| 2020 | 5.14% | 19.73% | 0.04x | 6.38x | $-2.34 Million |
| 2021 | 6.32% | 21.76% | 0.04x | 7.45x | $-1.69 Million |
| 2022 | 5.97% | 19.45% | 0.04x | 8.63x | $-1.67 Million |
| 2023 | 4.01% | 15.97% | 0.03x | 8.74x | $-2.50 Million |
Industry Comparison
This section compares Ottawa Savings Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Ottawa Savings Bancorp Inc (OTTW) | $41.66 Million | 0.78% | 7.33x | $32.94 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |