AMES NATIONAL CORP (ATLO)

US0310011004 - Common Stock

19.74  +0.42 (+2.17%)

After market: 19.74 0 (0%)

Fundamental Rating

2

ATLO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. ATLO may be in some trouble as it scores bad on both profitability and health. ATLO has a expensive valuation and it also scores bad on growth.



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2

1. Profitability

1.1 Basic Checks

In the past year ATLO was profitable.
In the past year ATLO had a positive cash flow from operations.
In the past 5 years ATLO has always been profitable.
ATLO had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of ATLO (0.50%) is worse than 78.10% of its industry peers.
ATLO has a worse Return On Equity (6.53%) than 71.53% of its industry peers.
Industry RankSector Rank
ROA 0.5%
ROE 6.53%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.89%
ROE(3y)10.32%
ROE(5y)9.83%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 20.09%, ATLO is doing worse than 66.18% of the companies in the same industry.
ATLO's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for ATLO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.09%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.31%
PM growth 5Y-9.99%
GM growth 3YN/A
GM growth 5YN/A

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2

2. Health

2.1 Basic Checks

ATLO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ATLO has about the same amount of shares outstanding.
Compared to 5 years ago, ATLO has less shares outstanding
Compared to 1 year ago, ATLO has a worse debt to assets ratio.

2.2 Solvency

ATLO has a debt to FCF ratio of 3.77. This is a good value and a sign of high solvency as ATLO would need 3.77 years to pay back of all of its debts.
ATLO's Debt to FCF ratio of 3.77 is on the low side compared to the rest of the industry. ATLO is outperformed by 61.31% of its industry peers.
ATLO has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.33, ATLO is doing worse than 62.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.77
Altman-Z N/A
ROIC/WACCN/A
WACC13.67%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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1

3. Growth

3.1 Past

The earnings per share for ATLO have decreased strongly by -43.56% in the last year.
ATLO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.05% yearly.
ATLO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.44%.
Measured over the past years, ATLO shows a small growth in Revenue. The Revenue has been growing by 1.48% on average per year.
EPS 1Y (TTM)-43.56%
EPS 3Y-16.42%
EPS 5Y-8.05%
EPS growth Q2Q-51.46%
Revenue 1Y (TTM)-14.44%
Revenue growth 3Y-6.31%
Revenue growth 5Y1.48%
Revenue growth Q2Q-13.17%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 16.31, which indicates a correct valuation of ATLO.
Based on the Price/Earnings ratio, ATLO is valued expensively inside the industry as 81.02% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 24.92, ATLO is valued a bit cheaper.
Industry RankSector Rank
PE 16.31
Fwd PE N/A

4.2 Price Multiples

ATLO's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ATLO is more expensive than 66.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 12.4
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

ATLO has a Yearly Dividend Yield of 5.59%, which is a nice return.
Compared to an average industry Dividend Yield of 3.82, ATLO pays a better dividend. On top of this ATLO pays more dividend than 87.59% of the companies listed in the same industry.
ATLO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 5.59%

5.2 History

The dividend of ATLO decreases each year by -1.45%.
ATLO has been paying a dividend for at least 10 years, so it has a reliable track record.
ATLO has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-1.45%
Div Incr Years4
Div Non Decr Years4

5.3 Sustainability

89.77% of the earnings are spent on dividend by ATLO. This is not a sustainable payout ratio.
The Dividend Rate of ATLO has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP89.77%
EPS Next 2YN/A
EPS Next 3YN/A

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AMES NATIONAL CORP

NASDAQ:ATLO (4/26/2024, 7:00:00 PM)

After market: 19.74 0 (0%)

19.74

+0.42 (+2.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap177.46M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 5.59%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 16.31
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 6.53%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 20.09%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-43.56%
EPS 3Y-16.42%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-14.44%
Revenue growth 3Y-6.31%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y