Cortland Bancorp (OTCMKTS:CLDB) and Ottawa Savings Bancorp (NASDAQ:OTTW) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their profitability, dividends, risk, earnings, analyst recommendations, valuation and institutional ownership.
Valuation and Earnings
This table compares Cortland Bancorp and Ottawa Savings Bancorp’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Cortland Bancorp||$33.46 million||2.94||$8.84 million||N/A||N/A|
|Ottawa Savings Bancorp||$13.38 million||3.35||$1.99 million||N/A||N/A|
Cortland Bancorp has higher revenue and earnings than Ottawa Savings Bancorp.
Cortland Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 1.9%. Ottawa Savings Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.8%.
Volatility and Risk
Cortland Bancorp has a beta of 0.13, meaning that its stock price is 87% less volatile than the S&P 500. Comparatively, Ottawa Savings Bancorp has a beta of 0.41, meaning that its stock price is 59% less volatile than the S&P 500.
This is a breakdown of recent recommendations for Cortland Bancorp and Ottawa Savings Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Ottawa Savings Bancorp||0||0||0||0||N/A|
Institutional & Insider Ownership
1.6% of Cortland Bancorp shares are owned by institutional investors. Comparatively, 23.2% of Ottawa Savings Bancorp shares are owned by institutional investors. 9.5% of Cortland Bancorp shares are owned by insiders. Comparatively, 7.0% of Ottawa Savings Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
This table compares Cortland Bancorp and Ottawa Savings Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Ottawa Savings Bancorp||14.90%||3.82%||0.72%|
Cortland Bancorp beats Ottawa Savings Bancorp on 7 of the 11 factors compared between the two stocks.
Cortland Bancorp Company Profile
Cortland Bancorp operates as the bank holding company for The Cortland Savings and Banking Company that provides commercial and retail banking services in Northeastern Ohio and Western Pennsylvania. Its deposit products include demand deposits, savings, money market, time deposit, and checking accounts. The company's loan portfolio comprises commercial loans consisting of commercial, financial loans, real estate construction and development loans, commercial real estate loans, small business lending, and trade financing; and consumer loans, such as residential real estate, home equity, and installment loans. It also provides brokerage and investment services; asset management services; night depository services, automated teller services, safe deposit boxes, and other services; and Internet and mobile banking options. As of February 4, 2019, it operated through 14 offices located in the Summit, Trumbull, Mahoning, Portage, and Ashtabula counties in Northeast Ohio. The company was founded in 1892 and is headquartered in Cortland, Ohio.
Ottawa Savings Bancorp Company Profile
Ottawa Bancorp, Inc. operates as the holding company for Ottawa Savings Bank, a chartered savings bank that provides various financial services to individual and corporate customers in Illinois. The company offers various deposit accounts, including checking, money market, regular savings, club savings, certificate, and various retirement accounts. It also provides one-to-four family residential, multi-family and non-residential real estate, commercial, and construction loans; and consumer loans comprising auto, share, and personal unsecured loans, as well as home equity lines of credit. 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 headquartered in Ottawa, Illinois.
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