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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$18.00 - $32.16
Previous CloseN/A
Volume1.84K
Average Volume (3M)22.55K
Market Cap
$270.94M
Enterprise Value$243.31
Total Cash (Recent Filing)$710.25M
Total Debt (Recent Filing)$54.93M
Price to Earnings (P/E)11.9
Beta0.45
Next EarningsN/A
EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.88%
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 PositionA materially lower debt-to-equity (≈0.26 TTM) meaningfully strengthens capital flexibility and reduces funding and regulatory stress. This durable improvement supports credit capacity for lending, cushions earnings in downturns and preserves optionality for shareholder returns.
Strong Free Cash Flow ConversionFCF roughly equals reported net income (~99%), indicating high earnings cash quality in the trailing period. Reliable cash generation supports dividends, organic balance-sheet growth and lowers reliance on external funding, an enduring strength for a community bank.
Confirmed Regular Dividend PolicyA declared quarterly cash dividend signals management confidence in earnings and capital stability. A consistent payout policy anchors investor expectations, imposes capital discipline and reflects durable profitability sufficient to sustain distributions over the medium term.
Bears Say
Multi-year Margin And Cash VolatilityManagement notes multi-year volatility in margins and cash conversion relative to 2021–2022 peaks, indicating earnings remain sensitive to rate, credit and portfolio mix swings. That structural variability complicates medium-term planning and reduces predictability of capital and payouts.
Uneven Operating Cash ConversionOperating cash flow covers only ~0.61x of net income in the trailing period and showed weaker coverage in prior years. Persistent uneven cash conversion can strain liquidity when losses rise, making dividend and loan-loss funding more dependent on volatile accounting earnings.
Limited Scale And Geographic ConcentrationWith roughly $2.1B assets and ~$208M equity and a community banking footprint concentrated in Iowa, the franchise faces scale limits and regional concentration risk. That constrains diversification, pricing power and ability to absorb localized economic shocks versus larger regional peers.
Ames National News
ATLO FAQ
What was Ames National’s price range in the past 12 months?
Ames National lowest stock price was $18.00 and its highest was $32.16 in the past 12 months.
What is Ames National’s market cap?
Ames National’s market cap is $270.94M.
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 $0.24 which represents an annual dividend yield of 2.88%. 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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Blogger Sentiment
Neutral
ATLO Sentiment 67%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $17.4K 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
2.88%
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.
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
0.22% Other Institutional Investors
75.50% Public Companies and
Individual Investors