ATLO Fundamental Analysis - AMES NATIONAL CORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to ATLO. ATLO was compared to 391 industry peers in the Banks industry. ATLO has a bad profitability rating. Also its financial health evaluation is rather negative. 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.

Each year in the past 5 years ATLO has been profitable.

Each year in the past 5 years ATLO had a positive operating cash flow.

1.2 Ratios

ATLO has a worse Return On Assets (0.65%) than 65.73% of its industry peers.

With a Return On Equity value of 7.09%, ATLO is not doing good in the industry: 60.87% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.65%
ROE	7.09%
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

Looking at the Profit Margin, with a value of 22.88%, ATLO is in line with its industry, outperforming 47.83% of the companies in the same industry.

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)	22.88%
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.

The number of shares outstanding for ATLO has been reduced compared to 1 year ago.

The number of shares outstanding for ATLO has been reduced compared to 5 years ago.

Compared to 1 year ago, ATLO has an improved debt to assets ratio.

2.2 Solvency

ATLO has a debt to FCF ratio of 2.14. This is a good value and a sign of high solvency as ATLO would need 2.14 years to pay back of all of its debts.

ATLO has a Debt to FCF ratio (2.14) which is comparable to the rest of the industry.

ATLO has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of ATLO (0.22) is worse than 60.36% of its industry peers.

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	0.22
Debt/FCF	2.14
Altman-Z	N/A

ROIC/WACCN/A

WACC16.21%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 43.42% 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.

Looking at the last year, ATLO shows a quite strong growth in Revenue. The Revenue has grown by 13.11% in the last year.

ATLO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.34% yearly.

EPS 1Y (TTM)43.42%

EPS 3Y-24.3%

EPS 5Y-9.38%

EPS Q2Q%108.65%

Revenue 1Y (TTM)13.11%

Revenue growth 3Y-6.26%

Revenue growth 5Y0.34%

Sales Q2Q%19.39%

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

Based on the Price/Earnings ratio of 12.86, the valuation of ATLO can be described as correct.

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

When comparing the Price/Earnings ratio of ATLO to the average of the S&P500 Index (27.31), we can say ATLO is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.86
Fwd PE	N/A

4.2 Price Multiples

ATLO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ATLO is cheaper than 72.12% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.87
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

With a Yearly Dividend Yield of 3.98%, ATLO has a reasonable but not impressive dividend return.

ATLO's Dividend Yield is a higher than the industry average which is at 3.55.

Compared to an average S&P500 Dividend Yield of 2.40, ATLO pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.98%

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

56.91% of the earnings are spent on dividend by ATLO. This is a bit on the high side, but may be sustainable.

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

DP56.91%

EPS Next 2YN/A

EPS Next 3YN/A

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AMES NATIONAL CORP

NASDAQ:ATLO (10/16/2025, 8:00:01 PM)

After market: 19.68 0 (0%)

19.68

-0.41 (-2.04%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-16 2025-10-16

Earnings (Next)01-22 2026-01-22

Inst Owners31.2%

Inst Owner Change0%

Ins Owners1.38%

Ins Owner Change2.28%

Market Cap174.96M

Analysts0

Price TargetN/A

Short Float %1.08%

Short Ratio6.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.98%

Yearly Dividend1.01

Dividend Growth(5Y)1.3%

DP56.91%

Div Incr Years0

Div Non Decr Years0

Ex-Date08-29 2025-08-29 (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	12.86
Fwd PE	N/A
P/S	2.93
P/FCF	8.87
P/OCF	8.67
P/B	0.91
P/tB	0.97
EV/EBITDA	N/A

EPS(TTM)1.53

EY7.77%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.22

FCFY11.27%

OCF(TTM)2.27

OCFY11.53%

SpS6.73

BVpS21.71

TBVpS20.21

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.65%
ROE	7.09%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.88%
GM	N/A
FCFM	32.98%

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-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	2.14
Debt/EBITDA	N/A
Cap/Depr	26.8%
Cap/Sales	0.74%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	144.15%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC16.21%

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)43.42%

EPS 3Y-24.3%

EPS 5Y-9.38%

EPS Q2Q%108.65%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)13.11%

Revenue growth 3Y-6.26%

Revenue growth 5Y0.34%

Sales Q2Q%19.39%

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 1Y19.91%

FCF growth 3Y-21.19%

FCF growth 5Y-6.31%

OCF growth 1Y-1.32%

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

More info and screens

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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