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ATLO NASDAQ US

Ames National Corporation - Common Stock

Financials · Banking Website · IPO Mar 2000
$28.36
▼ $-0.05 (-0.18%)
Vol 69K
11
Quality Score
ok
Deep Check
1/5 fail
Mkt Cap
$204.2M
P/E
12.7
ROE
8.5%
Margin
23.4%
D/E
21.30
Beta
0.39
Div Yield
3.48%
52W
$16–$24

Price Chart

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Earnings

Beat rate: 0.0%
Quarter EPS Est EPS Act Surprise
Dec 2022 — $0.49 —

Quarterly Revenue & Earnings

Quarter 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue $14.7M $15.5M $16.1M $16.6M $18.7M
Net Income $3.5M $3.4M $4.5M $4.6M $6.5M

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 7.5% 7.5% 7.5% 7.5% 8.5% 8.5%
P/E (TTM) 11.58 12.42 13.08 13.57 12.00 12.74
Net Margin — 23.4% 23.4% 23.4% 23.4% 23.4%
Gross Margin — — — — — —
D/E Ratio 21.89 21.89 21.89 21.89 21.30 21.30
Current Ratio — — — — — —

Key Ratios

ROA (TTM)
0.8%
P/S (TTM)
3.01
P/B
0.8
EPS (TTM)
$1.80
CF/Share
$1.66
Rev Growth 3Y
+3.1%
52W High
$24.36
52W Low
$16.04
$16.04 52-Week Range $24.36

Financial Health

Free Cash Flow
$7.2M
Net Debt
-$111.1M
Cash
$132.4M
Total Debt
$21.4M
As of Dec 31, 2025

How does ATLO compare to Banking peers?

Peer group: Micro-cap Banking (All) · 289 companies

ATLO ACNB AFBI AMAL AROW

ATLO valuation vs Banking peers

P/E ratio
12.7
▲ 1% above peers (12.6)
vs Peers
vs Industry
Fair value
P/S ratio
3.0
▲ 30% above peers (2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
0.9
▼ 19% below peers (1.1)
vs Peers
vs Industry
Undervalued
Div yield
3.5%
▲ 17% above peers (3.0%)
vs Peers
vs Industry
Below avg

ATLO profitability vs Banking peers

ROE
8.5%
▼ 5% below peers (9.0%)
vs Peers
vs Industry
In line
Net margin
23.4%
▼ 18% below peers (28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.8%
▼ 21% below peers (1.0%)
vs Peers
vs Industry
Weak

ATLO financial health vs Banking peers

D/E ratio
21.3
▲ 54% above peers (13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼ 0% below peers (0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.4
▼ 44% below peers (0.7)
vs Peers
vs Industry
More volatile

ATLO fundamentals radar

ATLO Peer median Industry

ATLO profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

ATLO vs peers: key metrics

Insider Activity

Neutral
Buys
0
Sells
0
CASSABAUM MICHELLE R
Director · Feb 27
205 shs
CASSABAUM MICHELLE R
Director · Jan 30
280 shs
Last 90 days

Top Holders

Top 5: 23.15%
Blackrock Inc.
7.12%
$17.4M
Vanguard Group Inc
5.76%
$14.1M
Fourthstone LLC
4.95%
$12.1M
Dimensional Fund Advisors LP
3.00%
$7.3M
Geode Capital Management, L…
2.32%
$5.7M
As of Dec 31, 2025

Dividends

$0.84
/ year
Feb 27, 2026 $0.2400
Dec 01, 2025 $0.2000
Aug 29, 2025 $0.2000
May 30, 2025 $0.2000
Jan 31, 2025 $0.2000
Nov 01, 2024 $0.2000
Aug 01, 2024 $0.2700
Apr 30, 2024 $0.2700

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