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Ames National (ATLO)
NASDAQ:ATLO
US Market
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Ames National (ATLO) AI Stock Analysis

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ATLO

Ames National

(NASDAQ:ATLO)

Rating:68Neutral
Price Target:
$19.50
▲(4.61%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 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.
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 solid financial health with strong revenue and cash flow growth. While profitability margins are generally strong, there is a slight downward trend in EBIT and EBITDA margins which warrants monitoring. The balance sheet reflects a solid equity position and prudent leverage management, making it a stable entity within the regional banking sector.
Income Statement
75
Positive
Ames National has shown strong revenue growth with a TTM (Trailing-Twelve-Months) revenue increase of 1.49% from the previous year, indicating a positive growth trajectory. The net profit margin improved to 12.10% in the TTM, up from 11.05% in the prior year, showcasing enhanced profitability. Gross profit margin remains robust at 59.47% in the TTM. However, EBIT and EBITDA margins have slightly decreased compared to historical performance, which could be an area of concern if not addressed.
Balance Sheet
70
Positive
The balance sheet reflects a solid equity position with an equity ratio of 8.38% in the TTM, although this is a slight decrease from the previous year due to increased total assets. The debt-to-equity ratio stands at 0.45, indicating prudent leverage management in line with industry norms. Return on Equity (ROE) is strong at 6.21%, driven by consistent net income, though slightly down from the previous year due to increased equity base.
Cash Flow
80
Positive
Cash flow management is a strong point for Ames National, with healthy free cash flow growth of 40.14% in the TTM. The operating cash flow to net income ratio is 1.77, reflecting efficient conversion of income into cash. Free cash flow to net income ratio at 1.73 further underscores robust cash generation capabilities, supporting potential future investments or dividends.
Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
Total Debt
Total Liabilities
Stockholders Equity
Cash Flow
Free Cash Flow
Operating Cash Flow
Investing Cash Flow
Financing Cash Flow

Ames National Technical Analysis

Technical Analysis Sentiment
Positive
Last Price18.64
Price Trends
50DMA
17.82
Positive
100DMA
17.55
Positive
200DMA
17.34
Positive
Market Momentum
MACD
0.19
Negative
RSI
59.63
Neutral
STOCH
66.91
Neutral
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 18.64 is above the 20-day moving average (MA) of 18.26, above the 50-day MA of 17.82, and above the 200-day MA of 17.34, indicating a bullish trend. The MACD of 0.19 indicates Negative momentum. The RSI at 59.63 is Neutral, neither overbought nor oversold. The STOCH value of 66.91 is Neutral, 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 (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$167.81M10.459.64%3.36%12.41%34.20%
77
Outperform
$170.04M15.605.31%5.08%-12.65%
72
Outperform
$187.43M12.889.88%3.07%15.18%
69
Neutral
$150.94M9.3111.80%3.22%14.69%43.66%
68
Neutral
$166.19M12.147.60%4.67%6.86%44.54%
68
Neutral
¥747.59B10.977.55%3.22%7.82%14.69%
65
Neutral
$179.90M8.3912.26%2.40%8.14%134.03%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
ATLO
Ames National
18.61
-1.80
-8.82%
FSFG
First Savings Financial Group
25.81
4.85
23.14%
LARK
Landmark Bancorp
26.12
7.66
41.50%
MRBK
Meridian Bank
14.87
3.72
33.36%
FRAF
Franklin Financial Services
41.26
10.49
34.09%
BVFL
BV Financial, Inc.
15.90
1.70
11.97%
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