ATLO
NEUTRAL
$24.27
Live
Ames National Corporation · NASDAQ
$16.09
52W Range
$24.96
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$215.81M
P/E
13.56
ROE
8.3%
Profit margin
26.5%
Debt/Equity
N/A
Dividend yield
3.28%
AI Analysis
AI-powered fundamental assessment
Confidence
65%
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 analysis across 5 key categories
Overall
60
Moderate
65
72
50
42
70
AI Verdict
Neutral with upside potential if fundamentals improve
Key drivers: Below-average financial health score, Above-average profitability, Strong growth metrics, Moderate valuation discount, Lack of analyst coverage
Confidence
70%
Value
65/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($24.27) below Graham Number ($30.14) implies margin of safety
- P/E of 13.56 below sector average of 21.99
Watchpoints
- Price/Sales of 3.56 is high relative to traditional bank peers
- No PEG ratio due to inconsistent growth expectations
Future
72/100
Ref Growth rates
Positives
- Exceptional YoY earnings growth of 107.90%
- Q/Q earnings growth of 105.60% indicates strong near-term momentum
Watchpoints
- No forward P/E or analyst targets to validate sustainability
- Historical earnings progression shows volatility and frequent misses
Past
50/100
Ref Historical trends
Positives
- 1Y price return of +43.4% outperforms sector average
- Consistent dividend payments with 3.28% yield
Watchpoints
- 0 out of last 4 quarters beat EPS estimates
- Long-term 5Y return of +26.8% underperforms financial sector averages
Health
42/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- No debt reported (though D/E is N/A, possibly indicating low leverage)
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- ROA of 0.76% is very low for a bank
- No Altman Z-Score available for distress risk analysis
Dividend
70/100
Ref Yield, Payout
Positives
- Dividend yield of 3.28% is attractive in current rate environment
- Payout ratio of 44.44% is sustainable for a regional bank
Watchpoints
- No 5-year average yield data to assess consistency
- Dividend strength score of 50/100 suggests only moderate reliability
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$24.27
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ATLO and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ATLO
Ames National Corporation
Primary
|
+26.8% | +16.5% | +43.4% | +34.4% | +5.2% | +3.1% |
|
OVBC
Ohio Valley Banc Corp.
Peer
|
+135.3% | +113.3% | +58.0% | +26.9% | +9.2% | +1.0% |
|
KINS
Kingstone Companies, Inc.
Peer
|
+94.8% | +1089.7% | -7.4% | +5.8% | -0.3% | +3.7% |
|
MFIN
Medallion Financial Corp.
Peer
|
+43.1% | +54.0% | +15.4% | -1.6% | -2.2% | +5.2% |
|
LIEN
Chicago Atlantic BDC, Inc.
Peer
|
-2.3% | +70.6% | -2.4% | -3.3% | -4.1% | -3.5% |
ATL
Ames National Corporation
Primary
5Y
+26.8%
3Y
+16.5%
1Y
+43.4%
6M
+34.4%
1M
+5.2%
1W
+3.1%
OVB
Ohio Valley Banc Corp.
Peer
5Y
+135.3%
3Y
+113.3%
1Y
+58.0%
6M
+26.9%
1M
+9.2%
1W
+1.0%
KIN
Kingstone Companies, Inc.
Peer
5Y
+94.8%
3Y
+1089.7%
1Y
-7.4%
6M
+5.8%
1M
-0.3%
1W
+3.7%
MFI
Medallion Financial Corp.
Peer
5Y
+43.1%
3Y
+54.0%
1Y
+15.4%
6M
-1.6%
1M
-2.2%
1W
+5.2%
LIE
Chicago Atlantic BDC, Inc.
Peer
5Y
-2.3%
3Y
+70.6%
1Y
-2.4%
6M
-3.3%
1M
-4.1%
1W
-3.5%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
13.56
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.08
P/S Ratio
3.56
EV/Revenue
2.74
EV/EBITDA
N/A
Market Cap
$215.81M
Profitability
Profit margins and return metrics
Profit Margin
26.46%
Operating Margin
37.89%
Gross Margin
N/A
ROE
8.35%
ROA
0.76%
Growth
Revenue and earnings growth rates
Revenue Growth
+21.6%
Earnings Growth
+107.9%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+105.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$12.89
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-29
$N/A
2015-05-07
$0.39
-3.9% surprise
2015-03-12
$0.34
-18.5% surprise
2014-10-17
$0.4
-4.1% surprise
Financial Services Sector Comparison
Comparing ATLO against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
13.56
This Stock
vs
36.01
Sector Avg
-62.3%
(Discount)
Return on Equity (ROE)
8.35%
This Stock
vs
-0.73%
Sector Avg
-1239.1%
(Below Avg)
Profit Margin
26.46%
This Stock
vs
91.62%
Sector Avg
-71.1%
(Weaker)
Revenue Growth
21.6%
This Stock
vs
35.27%
Sector Avg
-38.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ATLO
Ames National Corporation
|
NEUTRAL | $215.81M | 13.56 | 8.3% | 26.5% | $24.27 | |
|
OVBC
Ohio Valley Banc Corp.
|
NEUTRAL | $215.34M | 13.81 | 9.7% | 24.5% | $45.71 | Compare |
|
KINS
Kingstone Companies, Inc.
|
BULLISH | $218.31M | 5.24 | 43.0% | 19.1% | $15.08 | Compare |
|
MFIN
Medallion Financial Corp.
|
BULLISH | $212.24M | 5.07 | 11.7% | 12.2% | $9.02 | Compare |
|
LIEN
Chicago Atlantic BDC, Inc.
|
NEUTRAL | $210.63M | 6.32 | 11.0% | 61.3% | $9.23 | Compare |
ATLO
Ames National Corporation
NEUTRAL
Mkt Cap
$216M
P/E
13.6
ROE
8.3%
Price
$24.27
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-10 | TROST SCOT A | Director | Purchase | 200 | $4,576 |
| 2025-12-02 | BAUER SCOTT T | Officer of Subsidiary Company | Purchase | 20 | $434 |
| 2025-11-21 | SWARTZ KEVIN L | Director | Purchase | 200 | $4,160 |
| 2025-11-17 | PUTZIER JEFFREY K | Officer of Subsidiary Company | Purchase | 200 | $4,250 |
| 2025-11-13 | BEALS DOUGLAS W | Director | Purchase | 500 | $10,685 |
| 2025-10-31 | CASSABAUM MICHELLE R | Director | Purchase | 44 | $916 |
| 2025-10-24 | HAGAN PATRICK G | Director | Purchase | 300 | $6,255 |
| 2025-08-29 | CASSABAUM MICHELLE R | Director | Purchase | 278 | $5,513 |
| 2025-07-31 | CASSABAUM MICHELLE R | Director | Purchase | 164 | $3,000 |
TROST SCOT A
Director
2025-12-10
200 shares
·
$4,576
BAUER SCOTT T
Officer of Subsidiary Company
2025-12-02
20 shares
·
$434
SWARTZ KEVIN L
Director
2025-11-21
200 shares
·
$4,160
PUTZIER JEFFREY K
Officer of Subsidiary Company
2025-11-17
200 shares
·
$4,250
BEALS DOUGLAS W
Director
2025-11-13
500 shares
·
$10,685
CASSABAUM MICHELLE R
Director
2025-10-31
44 shares
·
$916
HAGAN PATRICK G
Director
2025-10-24
300 shares
·
$6,255
CASSABAUM MICHELLE R
Director
2025-08-29
278 shares
·
$5,513
CASSABAUM MICHELLE R
Director
2025-07-31
164 shares
·
$3,000
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning ATLO from our newsroom.
Newest → oldest
No matching news yet.