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ATLO vs MA

ATLO
Ames National Corporation
NEUTRAL
Price
$24.27
Market Cap
$215.8M
Sector
Financial Services
AI Confidence
65%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
ATLO
13.56
MA
30.28
Forward P/E
ATLO
--
MA
22.05
P/B Ratio
ATLO
1.08
MA
57.74
P/S Ratio
ATLO
3.56
MA
13.6
EV/EBITDA
ATLO
--
MA
22.13

Profitability

Gross Margin
ATLO
0.0%
MA
100.0%
Operating Margin
ATLO
37.89%
MA
57.73%
Profit Margin
ATLO
26.46%
MA
45.65%
ROE
ATLO
8.35%
MA
209.91%
ROA
ATLO
0.76%
MA
23.72%

Growth

Revenue Growth
ATLO
21.6%
MA
17.6%
Earnings Growth
ATLO
107.9%
MA
24.2%

Financial Health

Debt/Equity
ATLO
--
MA
2.56
Current Ratio
ATLO
--
MA
1.03
Quick Ratio
ATLO
--
MA
0.68

Dividends

Dividend Yield
ATLO
3.28%
MA
0.7%
Payout Ratio
ATLO
44.44%
MA
18.4%

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)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

ATLO vs MA: Head-to-Head Comparison

This page compares Ames National Corporation (ATLO) and Mastercard Incorporated (MA) 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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