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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$17.75 - $32.16
Previous CloseN/A
Volume1.84K
Average Volume (3M)22.55K
Market Cap
$257.21M
Enterprise Value$294.79M
Total Cash (Recent Filing)$710.25M
Total Debt (Recent Filing)$54.93M
Price to Earnings (P/E)12.1
Beta0.44
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 Cap1.15
Enterprise Value/Revenue2.96
Enterprise Value/Gross Profit4.26
Enterprise Value/Ebitda10.49
Forecast
1Y Price Target
$31.00Price Target Upside41.81% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Earnings Recovery / Strong Net MarginA sustained rebound to a ~21.6% TTM net margin indicates improved core profitability and pricing power in lending and fee businesses. This level of margin supports durable earnings, strengthens internal capital generation, and enhances the bank’s ability to weather credit cycles over the medium term.
Conservative Balance Sheet LeverageA markedly lower debt-to-equity (~0.26 TTM) and steady equity provide a conservative capital structure, reducing financial risk and increasing resilience to loan losses. Lower leverage expands capacity for organic lending growth and dividend support without immediate need for external capital.
Solid Cash Generation And Shareholder ReturnsFree cash flow nearly equaling net income (≈99%) signals high earnings quality and genuine cash generation. Consistent FCF plus a declared quarterly dividend demonstrates management’s ability to convert profits into distributable cash, supporting durable shareholder returns and disciplined capital allocation.
Bears Say
Multi-year Margin And Earnings VolatilityHistorical swings versus 2021–2022 peak profitability indicate earnings are not yet reliably stable across economic cycles. Persistent volatility in net interest margin and loan performance could complicate capital planning, hamper long-term return consistency, and stress dividends under adverse conditions.
Uneven Cash Conversion / Moderate Operating Cash CoverageA TTM operating cash flow to net income of ~0.61x and historically low coverage suggests cash conversion can be uneven. This intermittency can pressure liquidity and provisioning buffers in downturns, reducing flexibility for lending growth or maintaining dividends without drawing on reserves.
Limited Scale And Geographic ConcentrationA ~$2.1B asset base and concentrated Iowa community-banking footprint limit diversification and scale economies. Smaller scale can raise per-unit costs, constrain technology and product investments, and make earnings more sensitive to local economic cycles and competitive pressures from larger regional banks.
Ames National News
ATLO FAQ
What was Ames National’s price range in the past 12 months?
Ames National lowest stock price was $17.75 and its highest was $32.16 in the past 12 months.
What is Ames National’s market cap?
Ames National’s market cap is $257.21M.
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 Undervalued.
Does Ames National pay dividends?
Ames National pays a Quarterly dividend of $0.24 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
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$31.00 (41.81% Upside)
$31.00 (41.81% Upside)
Blogger Sentiment
Neutral
ATLO Sentiment 50%
Sector Average 67%
Sector Average 67%
Insider Transactions
Bought Shares
Worth $15.6K 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
10.65%
Trailing 12-Months
Asset Growth
-1.91%
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, 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.
ATLO Stock 12 Month Forecast
Average Price Target
$31.00
▲(41.81% Upside)
Technical Analysis
National Bankshares
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Ohio Valley Banc
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Peoples Bancorp Of North Carolina
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CB Financial Services
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Meridian Bank
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Ownership Overview
0.88% Insiders
9.89% Mutual Funds
0.12% Other Institutional Investors
75.78% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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