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Ames National (ATLO)
NASDAQ:ATLO
US Market

Ames National (ATLO) AI Stock Analysis

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Ames National

(NASDAQ:ATLO)

Rating:67Neutral
Price Target:
$19.50
▲(4.95%Upside)
Ames National's overall score reflects solid financial performance and an attractive valuation with a strong dividend yield. The technical analysis suggests stable price trends with slight positive momentum. The company's prudent financial management and solid balance sheet position it as a stable option within the regional banking sector.

Ames National (ATLO) vs. SPDR S&P 500 ETF (SPY)

Ames National Business Overview & Revenue Model

Company DescriptionAmes National Corporation (ATLO) is a bank holding company based in Ames, Iowa. It operates through its subsidiaries, which are community banks providing a range of financial services primarily in Iowa. The company offers products including loans, deposits, mortgages, and wealth management services, catering to both individual and business clients. Ames National focuses on delivering personalized banking experiences through its local presence and customer-centric approach.
How the Company Makes MoneyAmes National Corporation generates revenue primarily through the interest income received from its lending activities. This includes interest from various loan products such as commercial, agricultural, and residential real estate loans. Additionally, the company earns income from service charges on deposit accounts, fees related to wealth management and fiduciary activities, and gains from the sale of loans. The corporation's earnings are also influenced by its investment securities portfolio, which provides interest and dividend income. Significant factors contributing to its earnings include interest rate fluctuations, loan demand, and economic conditions in its primary market of Iowa.

Ames National Financial Statement Overview

Summary
Ames National demonstrates a stable financial position with strong balance sheet metrics, highlighted by zero debt in 2024. The income statement reflects challenges with revenue growth but stable profitability margins. Cash flow generation remains positive, although there was a slight decline in operating cash flow recently. The overall financial health is robust, with strengths in balance sheet stability and cash flow management.
Income Statement
60
Neutral
Ames National's income statement shows moderate performance with stable net income despite fluctuations in revenue. The company experienced a significant decline in total revenue in 2024, leading to a negative revenue growth rate. However, the net profit margin remained relatively stable due to effective cost management.
Balance Sheet
75
Positive
The balance sheet indicates a strong financial position with zero total debt in 2024, improving its debt-to-equity ratio significantly. The equity ratio is healthy, showing a strong capital structure. The return on equity has declined, reflecting the reduction in net income.
Cash Flow
70
Positive
Cash flow analysis reveals consistent free cash flow generation. However, there was a decline in operating cash flow in 2024, which may impact future liquidity. The company has managed capital expenditures effectively, maintaining positive free cash flow to net income ratio.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue54.81M52.28M62.93M66.53M65.46M
Gross Profit54.81M53.84M62.93M66.53M65.46M
EBITDA0.000.0027.16M32.70M25.50M
Net Income10.22M10.82M19.29M23.91M18.85M
Balance Sheet
Total Assets2.13B2.16B2.13B2.14B1.98B
Cash, Cash Equivalents and Short-Term Investments668.04M800.39M828.99M937.05M788.52M
Total Debt46.95M110.59M39.12M3.00M3.00M
Total Liabilities1.96B1.99B1.99B3.00M4.73M
Stockholders Equity174.71M165.79M149.10M207.78M209.49M
Cash Flow
Free Cash Flow14.00M14.31M18.37M28.66M28.46M
Operating Cash Flow14.30M19.21M21.23M30.54M29.71M
Investing Cash Flow71.98M19.06M-127.38M-268.64M-245.34M
Financing Cash Flow-40.15M-11.05M44.91M154.13M205.83M

Ames National Technical Analysis

Technical Analysis Sentiment
Positive
Last Price18.58
Price Trends
50DMA
17.49
Positive
100DMA
17.54
Positive
200DMA
17.29
Positive
Market Momentum
MACD
0.21
Negative
RSI
58.91
Neutral
STOCH
86.52
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ATLO, the sentiment is Positive. The current price of 18.58 is above the 20-day moving average (MA) of 17.74, above the 50-day MA of 17.49, and above the 200-day MA of 17.29, indicating a bullish trend. The MACD of 0.21 indicates Negative momentum. The RSI at 58.91 is Neutral, neither overbought nor oversold. The STOCH value of 86.52 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ATLO.

Ames National Risk Analysis

Ames National disclosed 29 risk factors in its most recent earnings report. Ames National reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Ames National Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$166.88M14.905.63%4.10%-23.42%
73
Outperform
$166.88M14.905.63%4.10%-23.42%
70
Outperform
$157.18M10.5411.08%2.97%15.79%27.67%
70
Outperform
$157.18M10.5411.08%2.97%15.79%27.67%
67
Neutral
$16.89B11.799.73%3.75%11.97%-8.33%
67
Neutral
$165.65M14.656.52%4.30%8.65%14.91%
65
Neutral
$178.65M9.1811.31%2.46%6.76%161.37%
65
Neutral
$178.65M9.1811.31%2.46%6.76%161.37%
61
Neutral
$165.22M14.208.16%3.56%18.74%-16.38%
61
Neutral
$165.22M14.208.16%3.56%18.74%-16.38%
59
Neutral
$157.54M9.819.64%3.58%12.41%34.20%
59
Neutral
$157.54M9.819.64%3.58%12.41%34.20%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
ATLO
Ames National
18.28
-0.20
-1.08%
FSFG
First Savings Financial Group
25.82
8.52
49.25%
FSFG
First Savings Financial Group
25.82
8.52
49.25%
LARK
Landmark Bancorp
27.20
9.27
51.70%
LARK
Landmark Bancorp
27.20
9.27
51.70%
MRBK
Meridian Bank
13.98
3.64
35.20%
MRBK
Meridian Bank
13.98
3.64
35.20%
FRAF
Franklin Financial Services
36.92
10.58
40.17%
FRAF
Franklin Financial Services
36.92
10.58
40.17%
BVFL
BV Financial, Inc.
15.83
3.57
29.12%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 24, 2025