Head to Head Analysis: 1st Colonial Bancorp (OTCMKTS:FCOB) versus Ottawa Bancorp (OTCMKTS:OTTW)

Volatility and Risk

1st Colonial Bancorp has a beta of 0.11, suggesting that its stock price is 89% less volatile than the S&P 500. Comparatively, Ottawa Bancorp has a beta of 0.33, suggesting that its stock price is 67% less volatile than the S&P 500.

Insider & Institutional Ownership

13.4% of 1st Colonial Bancorp shares are owned by institutional investors. 7.8% of Ottawa Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Valuation and Earnings

This table compares 1st Colonial Bancorp and Ottawa Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
1st Colonial Bancorp	$46.18 million	1.98	$8.06 million	$1.58	12.02
Ottawa Bancorp	$17.43 million	1.95	$780,000.00	$0.79	18.75

1st Colonial Bancorp has higher revenue and earnings than Ottawa Bancorp. 1st Colonial Bancorp is trading at a lower price-to-earnings ratio than Ottawa Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares 1st Colonial Bancorp and Ottawa Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
1st Colonial Bancorp	15.95%	10.58%	0.98%
Ottawa Bancorp	9.05%	4.04%	0.46%

Summary

1st Colonial Bancorp beats Ottawa Bancorp on 8 of the 11 factors compared between the two stocks.

About 1st Colonial Bancorp

1st Colonial Bancorp, Inc. operates as the bank holding company for 1st Colonial Community Bank that provides a range of business and consumer financial services in New Jersey. The company offers various deposit products, including savings accounts, money market accounts, certificates of deposit, club accounts, and business and personal checking accounts. It also provides home equity loans, home equity lines of credit, personal and vehicle loans, residential and commercial mortgages, construction loans, business lines of credit, equipment and vehicle financing, real estate loans, working capital line of credit, and business acquisition loans, as well as small business administration loans. In addition, the company offers cash management services comprising remote deposit capture, ACH/wire transfer, night deposit drop, and merchant services; safe deposit boxes; and coin counting, online and mobile banking, debit card, and ATM services. The company was founded in 2000 and is headquartered in Mount Laurel, New Jersey.

About Ottawa Bancorp

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'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; business and construction loans; motor vehicle, home improvement, share, and personal unsecured loans, as well as home equity and small personal credit lines; mortgage loans; 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, safe deposit boxes, 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.