First Ottawa Bancshares, Inc. (FOTB)
Financials · OID
Price as at 1 Oct 2026, 10:11 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
First Ottawa Bancshares, Inc. trades at $229.00, which is 113% below the $488.36 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 48 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 8.0 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
FOTB dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.850 | 1 |
| 2025 | $1.50 | 2 |
| 2024 | $1.50 | 2 |
| 2023 | $1.50 | 2 |
| 2022 | $1.50 | 2 |
| 2021 | $1.50 | 2 |
| 2020 | $1.50 | 2 |
| 2019 | $1.50 | 2 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
FOTB passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
FOTB peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is First Ottawa Bancshares, Inc. (FOTB) undervalued?
Against our fair value estimate of $488.36, FOTB at $229.00 is 113% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
What is FOTB's P/E ratio?
FOTB trades at 8.0 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does First Ottawa Bancshares, Inc. (FOTB) pay a dividend?
Yes. First Ottawa Bancshares, Inc. yields 0.80% at the current share price. It has paid $1.60 per share over the trailing twelve months. It has paid a dividend in each of the last 7 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its FOTB data?
Fundamentals for FOTB come from company filings and exchange data, as listed on OID; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 10:11 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for FOTB, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.