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Ames National Corporation ATLO R2K

Financial Services · Banks - Regional · United States
https://www.amesnational.com
Company Profile ↓
$29.52
+67.77% 1Y
Mkt Cap$261.47M
P/E12.15
P/B1.25
Div. Yield3.29%
52W High$30.85
52W Low$17.36
Book Value$23.43
EPS (TTM)$2.43

Company Overview

Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union Counties in central, north-central, and south-central Iowa. It accepts various deposit products, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. The company also provides loans, such as short-term and medium-term commercial, multi-family and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; consumer loans to finance consumer purchases, such as automobiles, trucks, recreational vehicles, household furnishings, boats, personal loans, and lines of credit; agricultural and business operating loans and lines of credit; and originates mortgage loans for sale into the secondary market. In addition, it offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit, and automated/video teller machine access services; and automatic drafts for various accounts, as well as wealth management services. Further, it provides farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and online, mobile, and private banking services. Ames National Corporation was founded in 1903 and is headquartered in Ames, Iowa.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 12.2, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 31.2%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.10.

Dividend Income

Offers a dividend yield of 3.29%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $66.83M (+21.9% YoY); net profit $19.03M.
  • Trailing 12 Months Year-on-year growth — revenue +28.0%, earnings +74.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.0%, profit CAGR 5.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.03%
1 Year:28.00%

Compounded Profit Growth

5 Years:5.11%
1 Year:74.30%

Stock Price Performance

1 Year:+67.77%
6 Months:+30.35%
3 Months:+3.45%
1 Month:-2.85%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 90% of range
$17.36 $30.85
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)51.07 · Neutral
Price Performance
1M-2.85%
3M+3.45%
6M+30.35%
1Y+67.77%
Valuation vs Sector

P/E of 12.15 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.2%.
  • Attractive dividend yield of 3.29%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.15
Industry PE
13.52
Forward P/E
10.47
PEG Ratio
1.03
Book Value
$23.43
Price to Book
1.25
P/S
3.75
EV/EBITDA
-
Dividend Yield
3.29%

Growth (CAGR)

Revenue 5Y
2.03%
Profit 5Y
5.11%
Revenue (YoY)
28.00%
Earnings (YoY)
74.30%

Profitability & Returns

ROCE
-
ROE
11.03%
ROA
1.00%
Profit Margin
31.18%
Op Margin
43.09%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.67
EPS (TTM)
$2.43

Balance Sheet & Liquidity

Debt/Equity
0.10
Quick Ratio
-
Current Ratio
-
Debt
$55.12M
Total Assets
$2.14B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.25%
Chg in Prom Hold
-
FII / Inst Holding
41.45%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$261.47M
Total Revenue (TTM)
$69.09M
EBITDA
-
Free Cash Flow
$20.70M
Operating Cash Flow
$22.58M
Shares Outstanding
8.86M
Gross Margin
0.00%
Payout Ratio
34.71%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ATLO Ames National Corporation R2K 29.52 12.15 $261.47M 3.29% - 11.03% 2.03% 5.11%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2014Dec 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------15.46M16.11M16.58M18.68M18.22M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------8.20M8.02M7.80M7.41M6.79M
Pretax Income -----------------------------------4.24M5.64M5.71M8.28M7.69M
Tax Provision -----------------------------------794.00K1.12M1.16M1.76M1.73M
Net Income 3.73M3.14M3.63M3.37M4.10M3.92M3.81M4.10M3.80M4.03M3.61M3.47M3.93M2.69M4.04M4.32M4.46M4.24M4.62M4.04M3.56M4.43M5.67M6.02M5.88M6.71M5.14M4.19M5.54M3.20M2.56M2.92M2.30M2.18M2.22M3.44M4.51M4.56M6.51M5.96M
Diluted EPS -----------------------------------0.390.510.510.730.67

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------62.93M53.84M54.81M66.83M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------8.31M29.68M37.63M31.43M
Pretax Income -------------25.16M12.89M12.24M23.87M
Tax Provision -------------5.87M2.07M2.02M4.84M
Net Income 9.01M12.97M13.92M14.18M13.95M15.25M15.01M15.73M13.70M17.01M17.19M18.85M-19.29M10.82M10.22M19.03M
Diluted EPS 0.951.371.48----------2.141.201.142.14

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --962.97M1.04B1.22B1.23B1.30B1.33B1.37B1.38B1.46B1.74B1.98B-2.13B2.16B2.13B2.13B
Current Assets ------------------
Cash & Equivalents ---22.83M34.81M24.27M23.73M24.01M29.48M26.40M30.38M34.62M173.10M-42.55M64.00M107.39M132.43M
Inventory ------------------
Receivables --------------11.28M12.95M13.86M14.07M
Total Liabilities --841.61M901.01M1.07B1.09B1.15B1.17B1.20B1.20B1.28B1.55B1.77B-1.99B1.99B1.96B1.93B
Current Liabilities ------------------
Long Term Debt --20.00M20.00M20.00M20.00M23.00M13.00M13.00M13.00M----39.12M110.59M46.95M21.35M
Total Debt --------------39.12M110.59M46.95M21.35M
Total Equity 103.84M112.34M121.36M134.56M144.74M142.11M154.67M161.25M165.11M170.75M172.87M187.58M209.49M-149.10M165.79M174.71M207.89M
Shares Outstanding --------------8.99M8.99M8.95M8.86M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 11.40M16.82M21.27M22.01M23.53M19.51M22.62M21.42M18.85M20.71M20.18M29.71M-21.23M19.21M14.30M21.34M
Investing Cash Flow -63.25M-54.31M-65.27M-76.96M-47.92M16.18M-34.38M-43.47M-16.90M8.64M-78.96M-184.26M--127.38M19.06M71.98M44.21M
Financing Cash Flow 45.95M34.16M51.35M66.92M13.86M-36.23M12.03M27.52M-5.03M-25.35M63.01M205.83M-44.91M-11.05M-40.15M-40.02M
Capital Expenditure 203.00K-362.51K-554.10K-863.38K-445.79K-1.59M-2.20M-267.76K-518.15K-616.54K-780.44K-1.25M--2.86M-4.89M-298.00K-642.00K
Free Cash Flow 11.60M16.46M20.72M21.15M23.08M17.92M20.43M21.15M18.33M20.09M19.40M28.46M-18.37M14.31M14.00M20.70M
Net Change in Cash --------------61.24M27.22M46.13M25.53M
Share Buybacks 002.02M00----452.22K1.81M1.99M710.00K2.30M0704.00K1.68M
Dividends Paid -5.47M4.06M4.70M5.40M5.87M6.52M7.26M7.73M8.10M10.80M8.78M9.07M9.39M9.68M9.71M9.08M7.11M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------30.7%20.1%18.6%28.5%
ROE % 8.0%10.7%10.3%9.8%9.8%9.9%9.3%9.5%8.0%9.8%9.2%9.0%-12.9%6.5%5.8%9.2%
ROCE % -----------------

Shareholding Pattern

Insiders
1.25%
Institutions
41.45%
Public Float
41.98%

Top Institutional Holders

#Holder% HeldSharesValue
1 Fourthstone LLC 7.71% 683.25K $20.01M
2 Blackrock Inc. 6.88% 609.16K $17.84M
3 Vanguard Capital Management LLC 4.52% 400.22K $11.72M
4 Dimensional Fund Advisors LP 3.08% 273.04K $7.99M
5 Geode Capital Management, LLC 2.29% 202.48K $5.93M
6 State Street Corporation 1.71% 151.77K $4.44M
7 Arrowstreet Capital, Limited Partnership 1.13% 100.39K $2.94M
8 Elizabeth Park Capital Advisors, Ltd. 0.91% 80.48K $2.36M
9 Northern Trust Corporation 0.79% 69.78K $2.04M
10 LPL Financial LLC 0.65% 57.18K $1.67M

Analyst View

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Latest News

Recent headlines for ATLO

Yahoo Finance hu, 02 Jul 2026

Are Options Traders Betting on a Big Move in Ames National Stock?

Investors need to pay close attention to ATLO stock based on the movements in the options market lately.

Yahoo Finance Sun, 26 Apr 2026

If EPS Growth Is Important To You, Ames National (NASDAQ:ATLO) Presents An Opportunity

For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...

Yahoo Finance Fri, 23 Jan 2026

Ames National: Q4 Earnings Snapshot

AMES, Iowa (AP) — Ames National Corp. ATLO) on Friday reported fourth-quarter profit of $6.5 million. The bank, based in Ames, Iowa, said it had earnings of 73 cents per share.

Yahoo Finance Sun, 19 Oct 2025

Ames National (ATLO) Profit Margin Surge Challenges Prolonged Bearish Narratives

Ames National (ATLO) posted a sharp earnings turnaround, reporting net profit margins of 23.7% compared to 18.6% a year earlier and annual EPS growth of 43.3%. This rebound follows a tough five-year stretch where earnings fell an average of…

Yahoo Finance Fri, 17 Oct 2025

Ames National: Q3 Earnings Snapshot

AMES, Iowa (AP) — Ames National Corp. ATLO) on Friday reported third-quarter earnings of $4.6 million. The Ames, Iowa-based bank said it had earnings of 51 cents per share.

Yahoo Finance Fri, 10 Oct 2025

Ames National (NASDAQ:ATLO) shareholders have earned a 21% return over the last year

We believe investing is smart because history shows that stock markets go higher in the long term. But not every stock...

ATLO — Frequently Asked Questions

What is the current share price of Ames National Corporation (ATLO)?

As of 2026-07-15 16:51 PDT, Ames National Corporation (ATLO) trades at $29.52 on NasdaqCM. Its 52-week range is $17.36 to $30.85.

What is the market capitalisation of ATLO?

Ames National Corporation (ATLO) has a market capitalisation of $261.47M on NasdaqCM.

What is the P/E ratio of ATLO?

ATLO trades at a trailing price-to-earnings (P/E) ratio of 12.15. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.25.

Does ATLO pay a dividend?

Ames National Corporation (ATLO) currently offers a dividend yield of 3.29%.

What is the return on equity (ROE) of ATLO?

ATLO has a return on equity (ROE) of 11.03%.

Is ATLO a good stock to buy?

This page provides a data-driven analysis of Ames National Corporation (ATLO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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