Comparing Ottawa Bancorp (OTCMKTS:OTTW) & Carver Bancorp (NASDAQ:CARV)

Earnings & Valuation

This table compares Carver Bancorp and Ottawa Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Carver Bancorp	$24.59 million	0.32	-$2.98 million	($1.92)	-0.81
Ottawa Bancorp	$17.43 million	2.05	$760,000.00	$0.40	37.50

Ottawa Bancorp has lower revenue, but higher earnings than Carver Bancorp. Carver 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.

Risk & Volatility

Carver Bancorp has a beta of 1.31, indicating that its share price is 31% more volatile than the S&P 500. Comparatively, Ottawa Bancorp has a beta of 0.29, indicating that its share price is 71% less volatile than the S&P 500.

Institutional & Insider Ownership

18.2% of Carver Bancorp shares are owned by institutional investors. 1.3% of Carver 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 large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Carver Bancorp	-24.99%	-59.15%	-1.34%
Ottawa Bancorp	4.35%	1.83%	0.21%

Summary

Ottawa Bancorp beats Carver Bancorp on 8 of the 11 factors compared between the two stocks.

About Carver Bancorp

Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that provides consumer and commercial banking services for consumers, businesses, non-profit organizations, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products, including demand, savings, and time deposits; passbook and statement accounts, and certificates of deposit; and individual retirement accounts. The company provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction, business and small business administration, and consumer and other loans. In addition, it offers other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill pay, and telephone banking, as well as check cashing, wire transfer, bill payment, reloadable prepaid card, and money order services. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.

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.