FOTB
First Ottawa Bancshares, Inc.
Price Chart
Latest Quote
$219.99
+0.00 (+0.00%)
Current Price
| Previous Close | $219.99 |
| Open | $219.99 |
| Day High | $219.99 |
| Day Low | $217.00 |
| Volume | 154 |
Stock Information
| Quarterly Dividend / Yield | $1.70 / 0.77% |
| Shares Outstanding | 950K |
| Quarterly Dividend Yield | 0.77% |
| Quarterly Dividend | $1.70 |
| Total Debt | $51.95M |
| Cash Equivalents | $40.38M |
| Revenue | $75.61M |
| Net Income | $25.30M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $208.91M |
| P/E Ratio | 7.93 |
| EPS (TTM) | $27.74 |
| Exchange | OID |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $220.47M |
| Sales | $75.61M |
| Income | $25.30M |
| Book/sh | $604.21 |
| Cash/sh | $42.53 |
| Employees | 165 |
Financial Ratios
| EPS Growth TTM | 6.40% |
Returns & Margins
| ROA | 1.33% |
| ROE | 19.97% |
| Operating Margin | 51.07% |
| Profit Margin | 33.46% |
Ownership
| Institutional Ownership | 4.20% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.76 |
| P/B | 0.36 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $222.15 |
| SMA50 | $211.72 |
| SMA200 | $180.77 |
| RSI | 32.13 |
| ATR | 4.2243 |
| Volatility | 0.16 |
Performance History
| Week | -0.00% |
| Month | +0.37% |
| Quarter | +16.22% |
| 6 Months | +26.18% |
| YTD | +31.43% |
| Year | +58.41% |
| 3 Years | +140.72% |
| 5 Years | +227.40% |
| 10 Years | +355.01% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $219.99 | 0 |
| 2026-06-17 | $219.99 | 400 |
| 2026-06-16 | $220.00 | 100 |
| 2026-06-15 | $220.00 | 100 |
| 2026-06-12 | $220.00 | 100 |
| 2026-06-11 | $220.00 | 0 |
| 2026-06-10 | $220.00 | 100 |
| 2026-06-09 | $218.75 | 100 |
| 2026-06-08 | $216.30 | 200 |
| 2026-06-05 | $222.50 | 0 |
| 2026-06-04 | $222.50 | 100 |
| 2026-06-03 | $218.73 | 0 |
| 2026-06-02 | $218.73 | 1,500 |
| 2026-06-01 | $225.00 | 100 |
| 2026-05-29 | $228.30 | 100 |
| 2026-05-28 | $229.15 | 300 |
| 2026-05-27 | $229.15 | 1,100 |
| 2026-05-26 | $219.64 | 100 |
| 2026-05-22 | $227.15 | 0 |
| 2026-05-21 | $227.15 | 100 |
| 2026-05-20 | $225.91 | 100 |
| 2026-05-19 | $219.18 | 200 |
About First Ottawa Bancshares, Inc.
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, commercial construction and development loans, real estate loans, and letters of credit; and agriculture lending and farm management services. In addition, the company offers home equity loans and residential loans. First Ottawa Bancshares, Inc. was founded in 1865 and is based in Ottawa, Illinois.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $62,267,000 | $56,373,000 | $51,104,000 | $45,282,000 |
| Operating Revenue | $62,267,000 | $56,373,000 | $51,104,000 | $45,282,000 |
| Expenses | ||||
| Interest Expense | $44,716,000 | $30,689,000 | $7,724,000 | $3,291,000 |
| Operating Expense | $32,509,000 | $30,108,000 | $30,561,000 | $26,375,000 |
| Other Operating Expenses | $5,334,000 | $4,729,000 | $4,034,000 | $3,534,000 |
| Selling And Marketing Expense | $287,000 | $296,000 | $326,000 | $286,000 |
| General And Administrative Expense | $1,165,000 | $862,000 | $911,000 | $635,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $19,006,000 | $14,014,000 | $12,243,000 | $11,516,000 |
| Net Interest Income | $55,970,000 | $51,672,000 | $44,130,000 | $36,543,000 |
| Interest Income | $100,686,000 | $82,361,000 | $51,854,000 | $39,834,000 |
| Normalized Income | $19,006,000 | $14,014,000 | $12,254,126 | $11,588,850 |
| Net Income From Continuing And Discontinued Operation | $19,006,000 | $14,014,000 | $12,243,000 | $11,516,000 |
| Net Income Common Stockholders | $19,006,000 | $14,014,000 | $12,243,000 | $11,516,000 |
| Net Income | $19,006,000 | $14,014,000 | $12,243,000 | $11,516,000 |
| Net Income Including Noncontrolling Interests | $19,006,000 | $14,014,000 | $12,243,000 | $11,516,000 |
| Net Income Continuous Operations | $19,006,000 | $14,014,000 | $12,243,000 | $11,516,000 |
| Pretax Income | $26,058,000 | $19,185,000 | $16,553,000 | $15,807,000 |
| Special Income Charges | - | $0 | $-15,000 | $-100,000 |
| Per Share | ||||
| Diluted EPS | $20.79 | $15.56 | $13.95 | $13.61 |
| Basic EPS | $20.79 | $15.56 | $13.95 | $13.61 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $-3,874 | $-27,150 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $983,000 | $990,000 | $894,000 | $763,000 |
| Diluted Average Shares | $914,136 | $900,753 | $877,303 | $846,020 |
| Basic Average Shares | $914,136 | $900,753 | $877,303 | $846,020 |
| Diluted NI Availto Com Stockholders | $19,006,000 | $14,014,000 | $12,243,000 | $11,516,000 |
| Tax Provision | $7,052,000 | $5,171,000 | $4,310,000 | $4,291,000 |
| Selling General And Administration | $1,452,000 | $1,158,000 | $1,237,000 | $921,000 |
| Insurance And Claims | $2,051,000 | $1,649,000 | $1,145,000 | $824,000 |
| Rent And Landing Fees | $3,095,000 | $2,955,000 | $2,695,000 | $2,160,000 |
| Total Unusual Items | - | $0 | $-15,000 | $-100,000 |
| Total Unusual Items Excluding Goodwill | - | $0 | $-15,000 | $-100,000 |
| Write Off | - | $0 | $15,000 | $100,000 |
| Gain On Sale Of Security | - | $-139,000 | - | - |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $102,766,000 | $84,159,000 | $69,055,000 | $61,221,000 |
| Total Assets | $1,718,090,000 | $1,488,943,000 | $1,354,688,000 | $970,880,000 |
| Investmentin Financial Assets | $121,288,000 | $74,502,000 | $29,482,000 | $17,450,000 |
| Goodwill And Other Intangible Assets | $2,446,000 | $2,446,000 | $2,446,000 | $2,446,000 |
| Cash And Cash Equivalents | $29,550,000 | $27,616,000 | $52,814,000 | $19,181,000 |
| Cash Financial | $5,049,000 | $5,054,000 | $7,590,000 | $8,196,000 |
| Cash Cash Equivalents And Federal Funds Sold | $29,550,000 | $27,616,000 | $52,814,000 | $19,181,000 |
| Debt | ||||
| Net Debt | $57,950,000 | $125,884,000 | $136,986,000 | $39,319,000 |
| Total Debt | $87,500,000 | $153,500,000 | $189,800,000 | $58,500,000 |
| Long Term Debt And Capital Lease Obligation | $87,500,000 | $153,500,000 | $189,800,000 | $58,500,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,612,878,000 | $1,402,338,000 | $1,283,187,000 | $907,213,000 |
| Equity | ||||
| Common Stock Equity | $105,212,000 | $86,605,000 | $71,501,000 | $63,667,000 |
| Total Equity Gross Minority Interest | $105,212,000 | $86,605,000 | $71,501,000 | $63,667,000 |
| Stockholders Equity | $105,212,000 | $86,605,000 | $71,501,000 | $63,667,000 |
| Retained Earnings | $90,932,000 | $73,305,000 | $60,200,000 | $49,287,000 |
| Other | ||||
| Treasury Shares Number | $87,743 | $87,743 | - | - |
| Ordinary Shares Number | $924,330 | $904,506 | $902,344 | $902,344 |
| Share Issued | $1,012,073 | $992,249 | $902,344 | $902,344 |
| Tangible Book Value | $102,766,000 | $84,159,000 | $69,055,000 | $61,221,000 |
| Invested Capital | $192,712,000 | $240,105,000 | $261,301,000 | $122,167,000 |
| Total Capitalization | $192,712,000 | $240,105,000 | $261,301,000 | $122,167,000 |
| Treasury Stock | $4,830,000 | $4,830,000 | $4,830,000 | $4,830,000 |
| Additional Paid In Capital | $24,132,000 | $22,050,000 | $20,873,000 | $17,888,000 |
| Capital Stock | $1,012,000 | $992,000 | $980,000 | $944,000 |
| Common Stock | $1,012,000 | $992,000 | $980,000 | $944,000 |
| Investments And Advances | $121,288,000 | $74,502,000 | $29,482,000 | $17,450,000 |
| Available For Sale Securities | $121,288,000 | $74,502,000 | $29,482,000 | $17,450,000 |
| Goodwill | $2,446,000 | $2,446,000 | $2,446,000 | $2,446,000 |
| Net PPE | $9,389,000 | $9,948,000 | $10,437,000 | $9,821,000 |
| Accumulated Depreciation | $-14,611,000 | $-13,729,000 | $-12,984,000 | $-12,357,000 |
| Gross PPE | $24,000,000 | $23,677,000 | $23,421,000 | $22,178,000 |
| Other Properties | $9,326,000 | $9,135,000 | $8,938,000 | $7,894,000 |
| Buildings And Improvements | $13,259,000 | $13,127,000 | $13,068,000 | $12,869,000 |
| Land And Improvements | $1,415,000 | $1,415,000 | $1,415,000 | $1,415,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $18,542,000 | $23,091,000 | $17,712,000 | $23,056,000 |
| Operating Activities | ||||
| Operating Cash Flow | $18,960,000 | $23,554,000 | $19,222,000 | $23,581,000 |
| Investing Activities | ||||
| Capital Expenditure | $-418,000 | $-463,000 | $-1,510,000 | $-525,000 |
| Investing Cash Flow | $-228,447,000 | $-164,864,000 | $-361,483,000 | $-87,081,000 |
| Net Other Investing Changes | $1,849,000 | $1,568,000 | $-3,935,000 | $1,532,000 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $1,580,000 | $800,000 | $2,741,000 | $1,867,000 |
| Financing Cash Flow | $211,421,000 | $116,112,000 | $375,894,000 | $49,595,000 |
| Net Other Financing Charges | $277,220,000 | $152,966,000 | $243,183,000 | $149,507,000 |
| Cash Dividends Paid | $-1,379,000 | $-1,354,000 | $-1,330,000 | $-1,279,000 |
| Common Stock Dividend Paid | $-1,379,000 | $-1,354,000 | $-1,330,000 | $-1,279,000 |
| Net Common Stock Issuance | $1,580,000 | $800,000 | $2,741,000 | $1,867,000 |
| Common Stock Issuance | $1,580,000 | $800,000 | $2,741,000 | $1,867,000 |
| Repurchase Of Capital Stock | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-66,000,000 | $-42,300,000 | - | $-100,500,000 |
| Issuance Of Debt | $0 | $6,000,000 | $131,300,000 | $0 |
| End Cash Position | $29,550,000 | $27,616,000 | $52,814,000 | $19,181,000 |
| Beginning Cash Position | $27,616,000 | $52,814,000 | $19,181,000 | $33,086,000 |
| Changes In Cash | $1,934,000 | $-25,198,000 | $33,633,000 | $-13,905,000 |
| Net Issuance Payments Of Debt | $-66,000,000 | $-36,300,000 | $131,300,000 | $-100,500,000 |
| Net Long Term Debt Issuance | $-66,000,000 | $-36,300,000 | $131,300,000 | $-100,500,000 |
| Long Term Debt Payments | $-66,000,000 | $-42,300,000 | - | $-100,500,000 |
| Long Term Debt Issuance | $0 | $6,000,000 | $131,300,000 | $0 |
| Net Investment Purchase And Sale | $-25,349,000 | $-46,512,000 | $-53,232,000 | $-12,940,000 |
| Sale Of Investment | $19,971,000 | $11,232,000 | $10,289,000 | $6,712,000 |
| Purchase Of Investment | $-45,320,000 | $-57,744,000 | $-63,521,000 | $-19,652,000 |
| Net PPE Purchase And Sale | $-418,000 | $-463,000 | $-1,510,000 | $-525,000 |
| Purchase Of PPE | $-418,000 | $-463,000 | $-1,510,000 | $-525,000 |
| Change In Working Capital | $-5,200,000 | $2,808,000 | $2,556,000 | $-3,852,000 |
| Change In Payable | $-680,000 | $2,485,000 | $1,491,000 | $269,000 |
| Change In Receivables | $-4,520,000 | $323,000 | $1,065,000 | $-4,121,000 |
| Other Non Cash Items | $-955,000 | $-599,000 | $-2,667,000 | $-5,282,000 |
| Stock Based Compensation | $522,000 | $389,000 | $280,000 | - |
| Provisionand Write Offof Assets | $3,700,000 | $7,080,000 | $3,975,000 | $3,000,000 |
| Deferred Tax | $-819,000 | $-1,859,000 | $-861,000 | $225,000 |
| Depreciation And Amortization | $983,000 | $990,000 | $894,000 | $763,000 |
| Depreciation | $983,000 | $990,000 | $894,000 | $763,000 |
| Gain Loss On Sale Of PPE | $-7,000 | $-38,000 | $0 | - |
| Net Income From Continuing Operations | $19,006,000 | $14,014,000 | $12,243,000 | $11,516,000 |
| Gain Loss On Investment Securities | - | $139,000 | - | - |
| Common Stock Payments | - | - | - | $0 |
Fetched: 2026-02-02