ATLO Ames National Corporation - Fundamental Analysis
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ATLO Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$24.27
52W High
$24.96
52W Low
$16.09
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
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.
Key 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%
Stock trades below growth-based intrinsic value ($52.80 vs. $24.27)
Low Price/Book ratio of 1.08, below sector average ROE-adjusted levels
Key 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)
Bearish technical trend (10/100) and proximity to 52-week high limit upside momentum
History of consistent earnings misses: 0 out of last 4 quarters beat estimates, average surprise -8.83%
AI Fair Value Estimate
Based on comprehensive analysis
$38.5
+58.6% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare ATLO against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
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