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ATLO vs JPM

ATLO
Ames National Corporation
NEUTRAL
Price
$24.27
Market Cap
$215.8M
Sector
Financial Services
AI Confidence
65%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
ATLO
13.56
JPM
14.69
Forward P/E
ATLO
--
JPM
12.62
P/B Ratio
ATLO
1.08
JPM
2.32
P/S Ratio
ATLO
3.56
JPM
4.72
EV/EBITDA
ATLO
--
JPM
--

Profitability

Gross Margin
ATLO
0.0%
JPM
0.0%
Operating Margin
ATLO
37.89%
JPM
41.06%
Profit Margin
ATLO
26.46%
JPM
33.91%
ROE
ATLO
8.35%
JPM
16.13%
ROA
ATLO
0.76%
JPM
1.35%

Growth

Revenue Growth
ATLO
21.6%
JPM
2.5%
Earnings Growth
ATLO
107.9%
JPM
-3.6%

Financial Health

Debt/Equity
ATLO
--
JPM
--
Current Ratio
ATLO
--
JPM
--
Quick Ratio
ATLO
--
JPM
--

Dividends

Dividend Yield
ATLO
3.28%
JPM
2.11%
Payout Ratio
ATLO
44.44%
JPM
28.97%

AI Verdict

ATLO NEUTRAL

Ames National Corporation (ATLO) shows a mixed financial profile with a weak Piotroski F-Score of 4/9 indicating marginal financial health, and no available Altman Z-Score limits distress risk assessment. The stock trades below its growth-based intrinsic value of $52.80 but above the conservative Graham Number of $30.14, suggesting moderate undervaluation with quality concerns. Strong profitability metrics like a 26.46% profit margin and 37.88% operating margin are offset by weak returns on equity and assets (ROE: 8.35%, ROA: 0.76%) and a bearish technical trend. Earnings and revenue growth are robust year-over-year, but historical earnings misses and lack of analyst coverage raise caution.

Strengths
High profitability with 26.46% net profit margin and 37.88% operating margin
Attractive dividend yield of 3.28% with sustainable 44.44% payout ratio
Significant YoY earnings growth of 107.90% and revenue growth of 21.60%
Risks
Weak Piotroski F-Score of 4/9 suggests suboptimal financial stability
No Altman Z-Score available, creating uncertainty around bankruptcy risk
Very low ROA of 0.76% and ROE of 8.35%, below sector averages (17.66% avg ROE)
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

ATLO vs JPM: Head-to-Head Comparison

This page compares Ames National Corporation (ATLO) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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