AMES NATIONAL CORP (ATLO) Fundamental Analysis & Valuation

NASDAQ:ATLO • US0310011004

Current stock price

28.51 USD
+0.15 (+0.53%)
Last:

This ATLO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. ATLO Profitability Analysis

1.1 Basic Checks

  • In the past year ATLO was profitable.
  • 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.
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 2025 10M 20M 30M

1.2 Ratios

  • With a Return On Assets value of 0.89%, ATLO perfoms like the industry average, outperforming 42.37% of the companies in the same industry.
  • With a Return On Equity value of 9.15%, ATLO perfoms like the industry average, outperforming 48.68% of the companies in the same industry.
Industry RankSector Rank
ROA 0.89%
ROE 9.15%
ROIC N/A
ROA(3y)0.62%
ROA(5y)0.78%
ROE(3y)7.18%
ROE(5y)9.19%
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 2025 2 4 6 8 10

1.3 Margins

  • ATLO has a Profit Margin of 28.47%. This is in the better half of the industry: ATLO outperforms 67.89% of its industry peers.
  • In the last couple of years the Profit Margin of ATLO has remained more or less at the same level.
  • ATLO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.47%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.43%
PM growth 5Y-0.23%
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 2025 10 20 30

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3

2. ATLO Health Analysis

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
  • The number of shares outstanding for ATLO has been reduced compared to 5 years ago.
  • ATLO has a better debt/assets ratio than last year.
ATLO Yearly Shares OutstandingATLO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of ATLO is 1.97, which is an excellent value as it means it would take ATLO, only 1.97 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 1.97, ATLO perfoms like the industry average, outperforming 48.68% of the companies in the same industry.
  • A Debt/Equity ratio of 0.20 indicates that ATLO is not too dependend on debt financing.
  • ATLO has a Debt to Equity ratio (0.20) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.97
Altman-Z N/A
ROIC/WACCN/A
WACC14.73%
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 2025 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 2025 50M 100M 150M

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

3

3. ATLO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 88.30% over the past year.
  • ATLO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.76% yearly.
  • The Revenue has grown by 21.93% in the past year. This is a very strong growth!
  • ATLO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.42% yearly.
EPS 1Y (TTM)88.3%
EPS 3Y-0.02%
EPS 5Y0.76%
EPS Q2Q%87.95%
Revenue 1Y (TTM)21.93%
Revenue growth 3Y2.03%
Revenue growth 5Y0.42%
Sales Q2Q%26.65%

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 2025 20M 40M 60M

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1

4. ATLO Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.32 indicates a correct valuation of ATLO.
  • Based on the Price/Earnings ratio, ATLO is valued a bit more expensive than 61.84% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.17. ATLO is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.32
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ATLO is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.2
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)17.63
EPS Next 2YN/A
EPS Next 3YN/A

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

5

5. ATLO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.48%, ATLO has a reasonable but not impressive dividend return.
  • ATLO's Dividend Yield is a higher than the industry average which is at 2.73.
  • ATLO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.48%

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
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

  • 37.38% of the earnings are spent on dividend by ATLO. This is a low number and sustainable payout ratio.
  • ATLO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.38%
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 2025 5M 10M 15M 20M 25M
ATLO Dividend Payout.ATLO Dividend Payout, showing the Payout Ratio.ATLO Dividend Payout.PayoutRetained Earnings

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ATLO Fundamentals: All Metrics, Ratios and Statistics

AMES NATIONAL CORP

NASDAQ:ATLO (4/6/2026, 4:04:29 PM)

28.51

+0.15 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners37.34%
Inst Owner Change0%
Ins Owners1.42%
Ins Owner Change1.01%
Market Cap252.60M
Revenue(TTM)66.83M
Net Income(TTM)19.03M
Analysts0
Price TargetN/A
Short Float %2.52%
Short Ratio5.32
Dividend
Industry RankSector Rank
Dividend Yield 3.48%
Yearly Dividend1.01
Dividend Growth(5Y)1.3%
DP37.38%
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 13.32
Fwd PE N/A
P/S 3.78
P/FCF 12.2
P/OCF 11.84
P/B 1.22
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)2.14
EY7.51%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.34
FCFY8.19%
OCF(TTM)2.41
OCFY8.45%
SpS7.54
BVpS23.46
TBVpS21.97
PEG (NY)N/A
PEG (5Y)17.63
Graham Number33.61
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 9.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.47%
GM N/A
FCFM 30.97%
ROA(3y)0.62%
ROA(5y)0.78%
ROE(3y)7.18%
ROE(5y)9.19%
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-2.43%
PM growth 5Y-0.23%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.97
Debt/EBITDA N/A
Cap/Depr 40.38%
Cap/Sales 0.96%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 108.78%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.73%
ROIC/WACCN/A
Cap/Depr(3y)112.44%
Cap/Depr(5y)114.63%
Cap/Sales(3y)3.53%
Cap/Sales(5y)3.59%
Profit Quality(3y)126.04%
Profit Quality(5y)118.59%
High Growth Momentum
Growth
EPS 1Y (TTM)88.3%
EPS 3Y-0.02%
EPS 5Y0.76%
EPS Q2Q%87.95%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)21.93%
Revenue growth 3Y2.03%
Revenue growth 5Y0.42%
Sales Q2Q%26.65%
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 1Y47.83%
FCF growth 3Y4.06%
FCF growth 5Y-6.17%
OCF growth 1Y49.23%
OCF growth 3Y0.17%
OCF growth 5Y-6.4%

AMES NATIONAL CORP / ATLO Fundamental Analysis FAQ

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

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


What is the valuation status of AMES NATIONAL CORP (ATLO) stock?

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


How profitable is AMES NATIONAL CORP (ATLO) stock?

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


Can you provide the financial health for ATLO stock?

The financial health rating of AMES NATIONAL CORP (ATLO) is 3 / 10.


Can you provide the dividend sustainability for ATLO stock?

The dividend rating of AMES NATIONAL CORP (ATLO) is 5 / 10 and the dividend payout ratio is 37.38%.