AMES NATIONAL CORP (ATLO) Stock Fundamental Analysis

NASDAQ:ATLO • US0310011004

27.01 USD
-0.75 (-2.7%)
At close: Feb 27, 2026
27.01 USD
0 (0%)
After Hours: 2/27/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ATLO. ATLO was compared to 379 industry peers in the Banks industry. ATLO may be in some trouble as it scores bad on both profitability and health. ATLO is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

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.
  • Each year in the past 5 years ATLO has been profitable.
  • In the past 5 years ATLO always reported a positive cash flow from operatings.
ATLO Yearly Net Income VS EBIT VS OCF VS FCFATLO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

  • ATLO's Return On Assets of 0.76% is on the low side compared to the rest of the industry. ATLO is outperformed by 63.32% of its industry peers.
  • ATLO has a Return On Equity of 7.99%. This is comparable to the rest of the industry: ATLO outperforms 41.69% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 7.99%
ROIC N/A
ROA(3y)0.63%
ROA(5y)0.79%
ROE(3y)8.44%
ROE(5y)9.16%
ROIC(3y)N/A
ROIC(5y)N/A
ATLO Yearly ROA, ROE, ROICATLO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • ATLO has a Profit Margin of 25.48%. This is comparable to the rest of the industry: ATLO outperforms 58.31% of its industry peers.
  • In the last couple of years the Profit Margin of ATLO has declined.
  • 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) 25.48%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.65%
PM growth 5Y-10.19%
GM growth 3YN/A
GM growth 5YN/A
ATLO Yearly Profit, Operating, Gross MarginsATLO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • ATLO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ATLO has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ATLO has been reduced compared to 5 years ago.
  • The debt/assets ratio for ATLO has been reduced compared to a year ago.
ATLO Yearly Shares OutstandingATLO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
ATLO Yearly Total Debt VS Total AssetsATLO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • ATLO has a debt to FCF ratio of 2.21. This is a good value and a sign of high solvency as ATLO would need 2.21 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 2.21, ATLO perfoms like the industry average, outperforming 45.65% of the companies in the same industry.
  • A Debt/Equity ratio of 0.21 indicates that ATLO is not too dependend on debt financing.
  • The Debt to Equity ratio of ATLO (0.21) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.21
Altman-Z N/A
ROIC/WACCN/A
WACC14.46%
ATLO Yearly LT Debt VS Equity VS FCFATLO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ATLO Yearly Current Assets VS Current LiabilitesATLO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 82.63% over the past year.
  • ATLO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.38% yearly.
  • The Revenue has grown by 17.98% in the past year. This is quite good.
  • ATLO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.34% yearly.
EPS 1Y (TTM)82.63%
EPS 3Y-24.3%
EPS 5Y-9.38%
EPS Q2Q%107.87%
Revenue 1Y (TTM)17.98%
Revenue growth 3Y-6.26%
Revenue growth 5Y0.34%
Sales Q2Q%22.93%

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.
ATLO Yearly Revenue VS EstimatesATLO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 15.01, ATLO is valued correctly.
  • Based on the Price/Earnings ratio, ATLO is valued a bit more expensive than the industry average as 71.50% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.10, ATLO is valued a bit cheaper.
Industry RankSector Rank
PE 15.01
Fwd PE N/A
ATLO Price Earnings VS Forward Price EarningsATLO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • ATLO's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.37
EV/EBITDA N/A
ATLO Per share dataATLO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • ATLO has a Yearly Dividend Yield of 3.46%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.74, ATLO pays a bit more dividend than its industry peers.
  • ATLO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.46%

5.2 History

  • The dividend of ATLO has a limited annual growth rate of 1.30%.
  • ATLO has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)1.3%
Div Incr Years0
Div Non Decr Years0
ATLO Yearly Dividends per shareATLO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 44.55% of the earnings are spent on dividend by ATLO. This is a bit on the high side, but may be sustainable.
DP44.55%
EPS Next 2YN/A
EPS Next 3YN/A
ATLO Yearly Income VS Free CF VS DividendATLO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
ATLO Dividend Payout.ATLO Dividend Payout, showing the Payout Ratio.ATLO Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

AMES NATIONAL CORP

NASDAQ:ATLO (2/27/2026, 8:00:02 PM)

After market: 27.01 0 (0%)

27.01

-0.75 (-2.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners33.43%
Inst Owner Change9.58%
Ins Owners1.39%
Ins Owner Change1.05%
Market Cap239.31M
Revenue(TTM)62.90M
Net Income(TTM)16.03M
Analysts0
Price TargetN/A
Short Float %2.28%
Short Ratio6.24
Dividend
Industry RankSector Rank
Dividend Yield 3.46%
Yearly Dividend1.01
Dividend Growth(5Y)1.3%
DP44.55%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-27
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 15.01
Fwd PE N/A
P/S 3.8
P/FCF 12.37
P/OCF 12.07
P/B 1.19
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)1.8
EY6.66%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.18
FCFY8.08%
OCF(TTM)2.24
OCFY8.28%
SpS7.1
BVpS22.64
TBVpS21.14
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.28
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 7.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.48%
GM N/A
FCFM 30.75%
ROA(3y)0.63%
ROA(5y)0.79%
ROE(3y)8.44%
ROE(5y)9.16%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.65%
PM growth 5Y-10.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.21
Debt/EBITDA N/A
Cap/Depr 29.2%
Cap/Sales 0.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 120.7%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.46%
ROIC/WACCN/A
Cap/Depr(3y)146.89%
Cap/Depr(5y)117.52%
Cap/Sales(3y)4.73%
Cap/Sales(5y)3.78%
Profit Quality(3y)121.52%
Profit Quality(5y)127.03%
High Growth Momentum
Growth
EPS 1Y (TTM)82.63%
EPS 3Y-24.3%
EPS 5Y-9.38%
EPS Q2Q%107.87%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.98%
Revenue growth 3Y-6.26%
Revenue growth 5Y0.34%
Sales Q2Q%22.93%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y37.29%
FCF growth 3Y-21.19%
FCF growth 5Y-6.31%
OCF growth 1Y4.11%
OCF growth 3Y-22.29%
OCF growth 5Y-6.66%

AMES NATIONAL CORP / ATLO FAQ

Can you provide the ChartMill fundamental rating for AMES NATIONAL CORP?

ChartMill assigns a fundamental rating of 3 / 10 to ATLO.


Can you provide the valuation status for AMES NATIONAL CORP?

ChartMill assigns a valuation rating of 1 / 10 to AMES NATIONAL CORP (ATLO). This can be considered as Overvalued.


What is the profitability of ATLO stock?

AMES NATIONAL CORP (ATLO) has a profitability rating of 3 / 10.


What are the PE and PB ratios of AMES NATIONAL CORP (ATLO) stock?

The Price/Earnings (PE) ratio for AMES NATIONAL CORP (ATLO) is 15.01 and the Price/Book (PB) ratio is 1.19.


Is the dividend of AMES NATIONAL CORP sustainable?

The dividend rating of AMES NATIONAL CORP (ATLO) is 5 / 10 and the dividend payout ratio is 44.55%.