Ames National (ATLO)
NASDAQ:ATLO
ATLO Stock Chart & Stats
$21.86
$0.10(0.61%)
At close: 4:00 PM EST
$21.86
$0.10(0.61%)
Day’s Range― - ―
52-Week Range$16.09 - $28.35
Previous CloseN/A
Volume1.84K
Average Volume (3M)22.55K
Market Cap
$244.55M
Enterprise Value$285.18M
Total Cash (Recent Filing)$676.43M
Total Debt (Recent Filing)$60.15M
Price to Earnings (P/E)7.9
Beta0.56
Next EarningsN/A
EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.49%
Share Statistics
EPS (TTM)N/A
Shares Outstanding8,857,220
10 Day Avg. Volume38,730
30 Day Avg. Volume22,548
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)0.99
Price to Sales (P/S)2.09
P/FCF Ratio9.90
Enterprise Value/Market Cap1.17
Enterprise Value/Revenue2.90
Enterprise Value/Gross Profit4.38
Enterprise Value/Ebitda11.56
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improved Leverage And CapitalMaterial de‑leveraging and a larger equity base materially improve financial flexibility and reduce leverage-driven risk. Lower debt and higher equity support regulatory ratios, reduce interest expense sensitivity, and create a durable capital buffer to fund lending, absorb losses, and sustain growth.
Earnings Recovery Driven By NIIA clear rebound in net income and margin reflects improving core earnings driven by higher net interest income and improved deposit costs. Sustained profitability strengthens internal capital generation, enables reinvestment in the franchise, and supports longer‑term lending and dividend capacity.
Consistent Capital Returns And Governance StepsDeclaring a cash dividend and advancing board nominations signal disciplined capital allocation and management confidence in recurring earnings. For a community bank, predictable dividends and clear governance actions support investor trust and indicate a durable commitment to returning excess capital.
Bears Say
Earnings Below Prior PeaksAlthough profitability has rebounded, margins and ROE remain meaningfully below 2020–2022 highs. This suggests earnings power is still recovering and is exposed to cyclicality, which can limit long‑term return potential and constrain capital accumulation in weaker rate or credit environments.
Volatile Cash GenerationHistoric swings in operating and free cash flow and inconsistent coverage metrics reduce confidence in cash quality. Volatility complicates capital planning and dividend visibility, and can impair the bank's ability to consistently fund loan growth or absorb credit stress without external actions.
Regional And Sector Concentration RiskA concentrated footprint with sizable agricultural exposure increases vulnerability to regional economic cycles and commodity price swings. Geographic and sector concentration can amplify credit losses or deposit volatility during localized downturns, limiting diversification benefits over time.
Ames National News
ATLO FAQ
What was Ames National’s price range in the past 12 months?
Ames National lowest stock price was $16.09 and its highest was $28.35 in the past 12 months.
What is Ames National’s market cap?
Ames National’s market cap is $244.55M.
When is Ames National’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Ames National’s earnings last quarter?
Currently, no data Available
Is Ames National overvalued?
According to Wall Street analysts Ames National’s price is currently Overvalued.
Does Ames National pay dividends?
Ames National pays a Quarterly dividend of $0.2 which represents an annual dividend yield of 3.49%. See more information on Ames National dividends here
What is Ames National’s EPS estimate?
Ames National’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Ames National have?
Ames National has 8,857,220 shares outstanding.
What happened to Ames National’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Ames National?
Currently, no hedge funds are holding shares in ATLO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Ames National Stock Smart Score
Neutral
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10
Blogger Sentiment
Neutral
ATLO Sentiment 50%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $12.9K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
46.48%
12-Months-Change
Fundamentals
Return on Equity
9.70%
Trailing 12-Months
Asset Growth
0.03%
Trailing 12-Months
Company Description
Ames National
Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, and Union counties in central, north-central, and south-central Iowa. The company accepts a range of deposits, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. It also provides loans, such as short-term and medium-term commercial and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; 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, the company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit of payroll and social security check, 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 based in Ames, Iowa.
Technical Analysis
National Bankshares
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Ownership Overview
1.19% Insiders
9.85% Mutual Funds
8.54% Other Institutional Investors
69.64% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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