Ames National (ATLO)
NASDAQ:ATLO
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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$16.94 - $29.71
Previous CloseN/A
Volume1.84K
Average Volume (3M)22.55K
Market Cap
$254.65M
Enterprise Value$288.15M
Total Cash (Recent Filing)$710.25M
Total Debt (Recent Filing)$54.93M
Price to Earnings (P/E)11.9
Beta0.48
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 Cap1.13
Enterprise Value/Revenue2.89
Enterprise Value/Gross Profit4.16
Enterprise Value/Ebitda10.39
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
Improved Balance Sheet LeverageLeverage falling markedly to ~0.26 TTM from ~0.99 in 2023 and stable equity strengthen solvency. A conservative balance sheet reduces financial risk, supports lending capacity, cushions losses, and enables steady capital returns and selective growth over the medium term.
Strong Free Cash Flow ConversionTTM free cash flow nearly equals net income (~99%), demonstrating high cash realization. Reliable FCF supports the dividend policy and internal reinvestment, enhancing financial flexibility and reducing dependence on external funding across multiple quarters.
Earnings Recovery And Margin ExpansionRevenue and net income rebounded with TTM net margin ~21.6% and improving ROE (~10.7%), reflecting restored operating profitability. This sustained margin improvement increases resilience and funds dividends and capital initiatives if maintained across economic cycles.
Bears Say
Profitability Not Yet Back To PeakWhile profitability has recovered, margins and returns remain below 2021–2022 peaks and have shown multi-year volatility. This cyclical variability means earnings and capital returns could be less predictable, complicating long-term planning and investor expectations.
Uneven Cash Conversion HistoryTTM shows moderate operating cash flow coverage (~0.61x of net income) and earlier periods had weak coverage, indicating cash conversion can be inconsistent. Uneven cash flow timing raises risk for funding operations or dividends during downturns without tapping external sources.
Concentrated Regional ExposureBusiness is concentrated as a community bank focused primarily in Iowa with notable agricultural lending exposure. Geographic and sector concentration increases sensitivity to local economic or farm-income shocks, constraining diversification and multi-market growth options.
Ames National News
ATLO FAQ
What was Ames National’s price range in the past 12 months?
Ames National lowest stock price was $16.94 and its highest was $29.71 in the past 12 months.
What is Ames National’s market cap?
Ames National’s market cap is $254.65M.
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 $0.2 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
Analyst Consensus
Hold
Average Price Target:
$31.00 (41.81% Upside)
$31.00 (41.81% Upside)
Blogger Sentiment
Neutral
ATLO Sentiment 50%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $15.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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, 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.
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
0.96% Insiders
9.85% Mutual Funds
11.44% Other Institutional Investors
66.19% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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