The business behind the dividend
| Measure | FOTB | Median | Formula |
|---|---|---|---|
| Return on equity | 3.1% | 10.6% | Net income ÷ shareholders’ equity |
| Return on capital employed | — | — | Operating income ÷ (equity + total debt) |
| Owner earnings | $1.24m | $120.90m | Net income + depreciation & amortisation − capital expenditure |
| Free cash flow | $5.26m | $155.08m | Operating cash flow − capital expenditure |
| Operating margin | — | — | Operating income ÷ revenue |
| Net margin | 7.1% | 10.1% | Net income ÷ revenue |
| Debt to equity | — | — | Total debt ÷ shareholders’ equity |
| Interest cover | — | — | Operating income ÷ interest expense |
| Current ratio | — | — | Current assets ÷ current liabilities |
| Long-term debt to working capital | — | — | Long-term debt ÷ (current assets − current liabilities) |
| Cash conversion | — | — | Operating cash flow ÷ net income |
| Accruals | -1.7% | -3.1% | (Net income − operating cash flow) ÷ total assets |
Not computed here: Cash conversion, Current ratio, Debt to equity, Long-term debt to working capital, Interest cover, Operating margin, Return on capital employed — why a blank is not a zero.
How it compares in banks & insurers
Among the 377 banks & insurers companies here measured on GAAP earnings, First Ottawa Bancshares pays out less than 267 of them. The median for that group is 30.6%, against this company’s 22.4%.
Closest on GAAP earnings
- C & F Financial (CFFI) 22.2%
- Gouverneur Bancorp (GOVB) 22.2%
- Northrim Bancorp (NRIM) 22.3%
- Bank7 (BSVN) 22.7%
Same sector and same denominator, so the figures are comparable. All 377 in banks & insurers →