ATLO Fundamental Analysis - AMES NATIONAL CORP

Fundamental Rating

ATLO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 394 industry peers in the Banks industry. Both the profitability and financial health of ATLO have multiple concerns. ATLO is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

ATLO had positive earnings in the past year.

In the past year ATLO had a positive cash flow from operations.

ATLO had positive earnings in each of the past 5 years.

ATLO had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.52%, ATLO is doing worse than 75.13% of the companies in the same industry.

The Return On Equity of ATLO (6.20%) is worse than 68.78% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.52%
ROE	6.2%
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

1.3 Margins

ATLO has a Profit Margin of 19.86%. This is in the lower half of the industry: ATLO underperforms 63.20% of its industry peers.

In the last couple of years the Profit Margin of ATLO has declined.

ATLO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.86%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 less shares outstanding

Compared to 5 years ago, ATLO has less shares outstanding

ATLO has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of ATLO is 2.45, which is a good value as it means it would take ATLO, 2.45 years of fcf income to pay off all of its debts.

ATLO has a Debt to FCF ratio (2.45) which is comparable to the rest of the industry.

A Debt/Equity ratio of 0.26 indicates that ATLO is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.26, ATLO is doing worse than 66.75% of the companies in the same industry.

Although ATLO does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.

		Industry Rank	Sector Rank
Debt/Equity	0.26
Debt/FCF	2.45
Altman-Z	N/A

ROIC/WACCN/A

WACC16.85%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 14.70% over the past year.

Measured over the past years, ATLO shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.38% on average per year.

ATLO shows a small growth in Revenue. In the last year, the Revenue has grown by 7.90%.

The Revenue has been growing slightly by 0.34% on average over the past years.

EPS 1Y (TTM)14.7%

EPS 3Y-24.3%

EPS 5Y-9.38%

EPS Q2Q%50.7%

Revenue 1Y (TTM)7.9%

Revenue growth 3Y-6.26%

Revenue growth 5Y0.34%

Sales Q2Q%18.18%

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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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.26, ATLO is valued correctly.

ATLO's Price/Earnings is on the same level as the industry average.

ATLO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.48.

		Industry Rank	Sector Rank
PE	14.26
Fwd PE	N/A

4.2 Price Multiples

80.20% of the companies in the same industry are more expensive than ATLO, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	8.23
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. Dividend

5.1 Amount

ATLO has a Yearly Dividend Yield of 4.35%, which is a nice return.

Compared to an average industry Dividend Yield of 3.31, ATLO pays a better dividend. On top of this ATLO pays more dividend than 82.49% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.34, ATLO pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.35%

5.2 History

The dividend of ATLO has a limited annual growth rate of 1.30%.

ATLO has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)1.3%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

74.28% of the earnings are spent on dividend by ATLO. This is not a sustainable payout ratio.

The Dividend Rate of ATLO has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP74.28%

EPS Next 2YN/A

EPS Next 3YN/A

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AMES NATIONAL CORP

NASDAQ:ATLO (7/17/2025, 8:03:45 PM)

After market: 18.11 0 (0%)

18.11

+0.06 (+0.33%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-18 2025-04-18

Earnings (Next)07-17 2025-07-17

Inst Owners30.44%

Inst Owner Change0%

Ins Owners1.36%

Ins Owner Change2.25%

Market Cap161.54M

Analysts0

Price TargetN/A

Short Float %0.86%

Short Ratio5.69

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.35%

Yearly Dividend1.01

Dividend Growth(5Y)1.3%

DP74.28%

Div Incr Years0

Div Non Decr Years0

Ex-Date05-30 2025-05-30 (0.2)

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 Rank	Sector Rank
PE	14.26
Fwd PE	N/A
P/S	2.82
P/FCF	8.23
P/OCF	8.06
P/B	0.88
P/tB	0.95
EV/EBITDA	N/A

EPS(TTM)1.27

EY7.01%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.2

FCFY12.15%

OCF(TTM)2.25

OCFY12.41%

SpS6.41

BVpS20.52

TBVpS19.02

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.52%
ROE	6.2%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.86%
GM	N/A
FCFM	34.31%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.26
Debt/FCF	2.45
Debt/EBITDA	N/A
Cap/Depr	25.64%
Cap/Sales	0.75%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	172.76%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC16.85%

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)14.7%

EPS 3Y-24.3%

EPS 5Y-9.38%

EPS Q2Q%50.7%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)7.9%

Revenue growth 3Y-6.26%

Revenue growth 5Y0.34%

Sales Q2Q%18.18%

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 1Y16.37%

FCF growth 3Y-21.19%

FCF growth 5Y-6.31%

OCF growth 1Y-3.38%

OCF growth 3Y-22.29%

OCF growth 5Y-6.66%

AMES NATIONAL CORP (ATLO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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