Financial Comparison: First Seacoast Bancorp (NASDAQ:FSEA) and Ottawa Bancorp (OTCMKTS:OTTW)

First Seacoast Bancorp (NASDAQ:FSEAGet Rating) and Ottawa Bancorp (OTCMKTS:OTTWGet Rating) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, risk, analyst recommendations, profitability, earnings, institutional ownership and valuation.

Volatility & Risk

First Seacoast Bancorp has a beta of 0.53, meaning that its stock price is 47% less volatile than the S&P 500. Comparatively, Ottawa Bancorp has a beta of 0.49, meaning that its stock price is 51% less volatile than the S&P 500.

Insider and Institutional Ownership

10.2% of First Seacoast Bancorp shares are owned by institutional investors. Comparatively, 4.3% of Ottawa Bancorp shares are owned by institutional investors. 1.4% of First Seacoast Bancorp shares are owned by company insiders. Comparatively, 7.8% of Ottawa Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares First Seacoast Bancorp and Ottawa Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Seacoast Bancorp 8.39% 2.55% 0.29%
Ottawa Bancorp 21.19% N/A N/A

Analyst Recommendations

This is a summary of recent ratings and target prices for First Seacoast Bancorp and Ottawa Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Seacoast Bancorp 0 0 0 0 N/A
Ottawa Bancorp 0 0 0 0 N/A

Earnings and Valuation

This table compares First Seacoast Bancorp and Ottawa Bancorp’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Seacoast Bancorp $17.74 million 3.66 $2.62 million $0.25 42.80
Ottawa Bancorp $15.36 million 2.44 $2.90 million $1.18 11.82

Ottawa Bancorp has lower revenue, but higher earnings than First Seacoast Bancorp. Ottawa Bancorp is trading at a lower price-to-earnings ratio than First Seacoast Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

First Seacoast Bancorp beats Ottawa Bancorp on 7 of the 11 factors compared between the two stocks.

About First Seacoast Bancorp

(Get Rating)

First Seacoast Bancorp operates as a holding company for First Seacoast Bank that provides various banking products and services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts; and time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. It operates through its wealth management office located in Dover, New Hampshire; four full-service banking offices in Strafford County, New Hampshire; and one full-service banking office in Rockingham County, New Hampshire. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp is a subsidiary of First Seacoast Bancorp, MHC.

About Ottawa Bancorp

(Get Rating)

Ottawa Bancorp, Inc. operates as the holding company for Ottawa Savings Bank, a savings bank that provides various financial services to individual and corporate customers in Illinois. The company's deposit products include saving, checking, money market, and interest-bearing accounts, as well as certificate of deposit. Its loan portfolio comprises commercial, non-residential real estate, one-to-four family residential, multi-family residential, consumer direct, and purchased auto loans; motor vehicle, home improvement, share, and personal unsecured loans, as well as home equity and small personal credit lines; and student loans. The company also provides cash management solutions, such as remote deposit capture, automated clearing house/payroll direct deposit, and merchant services, as well as commercial leasing services. In addition, it offers notary, lamination, night depository, document faxing, money gift envelopes, gift and travel cards, and coin counting, as well as debit and credit cards, and digital banking services. The company was formerly known as Ottawa Savings Bancorp, Inc. and changed its name to Ottawa Bancorp, Inc. in October 2016. Ottawa Bancorp, Inc. was founded in 1871 and is based in Ottawa, Illinois.

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