Ottawa Bancorp (OTCMKTS:OTTW) & CFSB Bancorp (NASDAQ:CFSB) Critical Analysis

Ottawa Bancorp (OTCMKTS:OTTWGet Rating) and CFSB Bancorp (NASDAQ:CFSBGet Rating) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, valuation, dividends, earnings and risk.

Risk and Volatility

Ottawa Bancorp has a beta of 0.43, suggesting that its stock price is 57% less volatile than the S&P 500. Comparatively, CFSB Bancorp has a beta of 0.3, suggesting that its stock price is 70% less volatile than the S&P 500.

Insider and Institutional Ownership

1.8% of CFSB Bancorp shares are held by institutional investors. 7.8% of Ottawa Bancorp shares are held by insiders. Comparatively, 2.3% of CFSB Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Profitability

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

Net Margins Return on Equity Return on Assets
Ottawa Bancorp 16.53% N/A N/A
CFSB Bancorp N/A 0.21% 0.04%

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Ottawa Bancorp and CFSB Bancorp, as reported by MarketBeat.

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

Valuation & Earnings

This table compares Ottawa Bancorp and CFSB Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Ottawa Bancorp $14.98 million 2.18 $2.48 million $0.96 13.28
CFSB Bancorp $11.02 million 4.59 N/A N/A N/A

Ottawa Bancorp has higher revenue and earnings than CFSB Bancorp.

About Ottawa Bancorp

(Get Rating)

Ottawa Bancorp, Inc. operates as a holding company, which offers residential real estate mortgage loans and home equity lines of credit and to a lesser extent, non-residential real estate, multi-family and construction loans. It also provides commercial and industrial loans and other consumer loans. The firm operates through the following segments: Commercial, ´┐ŻNon-Residential Real Estate, ´┐ŻOne-to-four Family Residential, Multi-Family Residential, Consumer Direct, and Purchased Auto. The company was founded on August 21, 1871 and is headquartered in Ottawa, IL.

About CFSB Bancorp

(Get Rating)

CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company also offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. Further, it offers online and mobile banking, and online bill pay services. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. operates as a subsidiary of 15 Beach, MHC.

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