First Ottawa Bancshares, Inc.
FOTBFinancial Services · Stock · semiannual payer
Forward Yield
0.74%
Annual Dividend
$1.70
Payout Ratio
5%
5-Yr Growth
0.0%
Ex-Date
Jun 1, 2026
Frequency
Semiannual
Summary
As of September 2026, First Ottawa Bancshares, Inc. (FOTB) yields 0.74% ($1.70 per share annually), with a blended fair-value estimate of $397.38 — +74% upside, so it screens as undervalued. Dividend safety grade: A (82/100).
Is FOTB a good dividend stock?
YesFirst Ottawa Bancshares, Inc. (FOTB) pays a semiannual dividend yielding 0.74% ($1.70/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Comfortable payout ratio (5%)
- 178% total price return over 5 years
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 0.74%
- Payout Ratio
- 5%
- Annual Dividend
- $1.70
- 5-Yr Avg Growth
- 0.0%
- Ex-Dividend Date
- Jun 1, 2026
- Years of Growth
- 0
- Frequency
- semiannual
- Beta
- 0.15
- Market Cap
- $221.1M
- P/E Ratio
- 8.3
- 5-Yr Total Return
- 178%
- 52-Week Range
- $152.01 – $236.00
- Dividend Safety
- A · 82/100
- Ever Cut?
- No
Frequently Asked Questions
FOTB Price — Last 12 Months
Daily close
Price Return
1 Year
+46%
3 Years
+151%
5 Years
+178%
52-Week Range
$152.01 – $236.00
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is FOTB worth?
Undervaluedmedium confidenceOur blended fair-value estimate for First Ottawa Bancshares, Inc. is $397.38 per share, versus a market price of $228.80. That implies 74% of upside — a margin of safety of about 42%.
Fair Value
$397.38
Current Price
$228.80
Upside
+74%
Margin of Safety
42%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 0.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 0.0% stage-1 growth, 2.5% terminal growth, $27.73 EPS, $1.70 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
FOTB Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jun 1, 2026 | — | $0.8500 | regular |
| Dec 1, 2025 | — | $0.7500 | regular |
| Jun 2, 2025 | — | $0.7500 | regular |
| Dec 2, 2024 | — | $0.7500 | regular |
| May 31, 2024 | — | $0.7500 | regular |
| Nov 30, 2023 | — | $0.7500 | regular |
| May 31, 2023 | — | $0.7500 | regular |
| Nov 30, 2022 | — | $0.7500 | regular |
| May 31, 2022 | — | $0.7500 | regular |
| Nov 30, 2021 | — | $0.7500 | regular |
| May 28, 2021 | — | $0.7500 | regular |
| Nov 30, 2020 | — | $0.7500 | regular |
| May 29, 2020 | — | $0.7500 | regular |
| Nov 27, 2019 | — | $0.7500 | regular |
Income Calculator
At $1.70 / yr per share
