ATLO Ames National Corporation - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$32.36
· of 52w range
· above low
· to high
$19.5652w low
$32.8652w high
Market Cap (MRQ)
$287M
P/E
22.0
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52W Range
$20–$33
Analyst Rating
HOLD
Price Target
$33
P/E
22.0
ROE
9.5%
Net Profit Margin
28.5%
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ATLO Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$32.36
Market Cap (MRQ)
$287M
P/E
22.0
Div Yield
2.5%
ROE
9.5%
52W Range
$20–$33
ATLO Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| July 18, 2005 | 3-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Free Cash Flow$21M2016-12-31 → 2025-12-31
Net margin28.5%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | ATLO | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 22.05Y avg ≈14.8 | ≈14.8 | 11.7 | Overvalued | |
| P/S | 4.35Y avg ≈3.2 | ≈3.2 | 3.5 | Fair value | |
| P/B (MRQ) | 1.35Y avg ≈1.1 | ≈1.1 | 1.3 | Undervalued | |
| Price / FCF (TTM) | 13.75Y avg ≈10.6 | ≈10.6 | · | · | |
| Price / Cash Flow (TTM) | 13.05Y avg ≈9.4 | ≈9.4 | 10.8 | Fair value | |
| Price / Tangible Book (MRQ) | 1.35Y avg ≈1.2 | ≈1.2 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | ATLO | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 35.7%5Y avg ≈33.6% | ≈33.6% | 33.1% | Top tier | |
| Net Profit Margin | 28.5%5Y avg ≈26.8% | ≈26.8% | 25.2% | Top tier | |
| ROA | 0.89%5Y avg ≈0.79% | ≈0.79% | 0.98% | Weak | |
| ROE | 9.5%5Y avg ≈9.4% | ≈9.4% | 11.6% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | ATLO | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 21.9%5Y avg ≈1.1% | ≈1.1% | · | · | |
| Revenue CAGR 3Y | 2.0%5Y avg ≈-3.5% | ≈-3.5% | · | · | |
| Revenue CAGR 5Y | 0.41% | · | · | · | |
| Net Income YoY | 86.2%5Y avg ≈8.9% | ≈8.9% | · | · | |
| Net Income CAGR 3Y | -0.46%5Y avg ≈-14.0% | ≈-14.0% | · | · | |
| Net Income CAGR 5Y | 0.19% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | ATLO | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.5%
Payout Ratio37.4%
Annualized Payout≈$0.96
5Y Div CAGR≈-4.4%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 1, 2026 | $0.24 | USD | ≈2.9% |
| Jun 1, 2026 | $0.24 | USD | ≈3.1% |
| Feb 27, 2026 | $0.24 | USD | ≈3.1% |
| Dec 1, 2025 | $0.20 | USD | ≈3.7% |
| Aug 29, 2025 | $0.20 | USD | ≈4.0% |
| May 30, 2025 | $0.20 | USD | ≈5.0% |
| Jan 31, 2025 | $0.20 | USD | ≈5.2% |
| Nov 1, 2024 | $0.20 | USD | ≈6.0% |
| Aug 1, 2024 | $0.27 | USD | ≈5.4% |
| Apr 30, 2024 | $0.27 | USD | ≈5.6% |
| Jan 31, 2024 | $0.27 | USD | ≈5.1% |
| Oct 31, 2023 | $0.27 | USD | ≈6.4% |
| Jul 31, 2023 | $0.27 | USD | ≈5.6% |
| Apr 28, 2023 | $0.27 | USD | ≈5.6% |
| Jan 31, 2023 | $0.27 | USD | ≈4.5% |
| Oct 31, 2022 | $0.27 | USD | ≈4.8% |
| Jul 29, 2022 | $0.27 | USD | ≈4.8% |
| Apr 28, 2022 | $0.27 | USD | ≈4.5% |
| Jan 31, 2022 | $0.26 | USD | ≈4.3% |
| Oct 29, 2021 | $0.26 | USD | ≈4.2% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
2.7%
Next Report
Oct 15, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 16, 2026 | $0.67 | $0.67 | -0.48% |
| March 31, 2026 | $0.67 | $0.63 | 5.9% | |
| Dec. 31, 2022 | $0.49 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $30M | $8M | $4M | $8M | $11M | $8M | $6M | $4M | $4M | $5M | |
| Interest Income | $87M | $83M | $74M | $62M | $60M | $63M | $56M | $50M | $46M | $44M | $43M | $41M | |
| Pretax Income | $24M | $12M | $13M | $25M | $31M | $23M | $21M | $21M | $21M | $23M | $21M | $21M | |
| Income Tax | $5M | $2M | $2M | $6M | $7M | $4M | $4M | $4M | $8M | $7M | $6M | $6M | |
| Net Income | $19M | $10M | $11M | $19M | $24M | $19M | $17M | $17M | $14M | $16M | $15M | $15M | |
| EPS (Basic) | $2.14 | $1.14 | $1.20 | $2.14 | $2.62 | $2.06 | $1.86 | $1.83 | $1.47 | $1.69 | $1.61 | $1.64 | |
| Shares (Basic) | 8,895,197 | 8,991,286 | 8,992,167 | 9,033,410 | 9,114,379 | 9,148,244 | 9,236,989 | 9,310,594 | 9,310,913 | 9,310,913 | 9,310,913 | 9,310,913 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $127M | $101M | $55M | $28M | $89M | $173M | $35M | $30M | $26M | $29M | $24M | $24M | |
| PP&E (Net) | $21M | $22M | $23M | $19M | $18M | $17M | $18M | $16M | $15M | $16M | $17M | $16M | |
| PP&E (Gross) | $42M | $41M | $41M | $37M | $35M | $34M | $33M | $30M | $29M | $29M | $29M | $27M | |
| Accum. Depreciation | $21M | $20M | $19M | $18M | $18M | $17M | $16M | $15M | $14M | $13M | $12M | $11M | |
| Goodwill | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $10M | $7M | $7M | $7M | $7M | |
| Intangibles | $791.0K | $1M | $1M | $2M | $3M | $3M | $4M | $3M | $1M | $1M | $1M | $2M | |
| Total Assets | $2.13B | $2.13B | $2.16B | $2.13B | $2.14B | $1.98B | $1.74B | $1.46B | $1.38B | $1.37B | $1.33B | $1.30B | |
| Deferred Tax | · | · | · | · | $0 | $2M | $0 | · | · | · | · | · | |
| Total Liabilities | $1.93B | $1.96B | $1.99B | $1.99B | $1.93B | $1.77B | $1.55B | $1.28B | $1.20B | $1.20B | $1.17B | $1.15B | |
| Long-term Debt | $18M | $20M | $3M | · | · | · | · | · | $13M | $13M | $13M | $23M | |
| Common Stock | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $19M | $19M | $19M | $19M | $19M | |
| Paid-in Capital | $12M | $14M | $14M | $14M | $16M | $17M | $19M | $20M | $21M | $21M | $21M | $21M | |
| Retained Earnings | $196M | $182M | $180M | $180M | $170M | $158M | $146M | $138M | $132M | $126M | $118M | $111M | |
| Stockholders' Equity | $208M | $175M | $166M | $149M | $208M | $209M | $188M | $173M | $171M | $165M | $161M | $155M | |
| Liabilities + Equity | $2.13B | $2.13B | $2.16B | $2.13B | $2.14B | $1.98B | $1.74B | $1.46B | $1.38B | $1.37B | $1.33B | $1.30B | |
| Shares Outstanding | 8,857,220 | 8,949,110 | 8,992,167 | 8,992,167 | 9,092,167 | 9,122,747 | 9,222,747 | 9,293,305 | 9,310,913 | 9,310,913 | 9,310,913 | 9,310,913 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | · | · | · | · | $733.0K | $-1M | $-32.2K | $-69.9K | $858.4K | $174.4K | $2M | $32.5K | |
| Amort. of Intangibles | $301.0K | $337.0K | $502.0K | $574.0K | $628.0K | $826.0K | $609.6K | $430.5K | $369.6K | $368.3K | $421.5K | $317.3K | |
| Operating Cash Flow | $21M | $14M | $19M | $21M | $30M | $30M | $20M | $21M | $19M | $21M | $23M | $20M | |
| CapEx | $642.0K | $298.0K | $5M | $3M | $2M | $1M | $780.4K | $616.5K | $518.2K | $267.8K | $2M | $2M | |
| Investing Cash Flow | $44M | $72M | $19M | $-127M | $-269M | $-184M | $-79M | $9M | $-17M | $-43M | $-34M | $16M | |
| Debt Issued | · | · | · | · | · | $0 | $3M | $13M | · | · | $4M | $10M | |
| Net Debt Issued | · | · | · | · | · | $0 | $-10M | $-24M | $-1M | $-4M | $-6M | $3M | |
| Stock Repurchased | $2M | $704.0K | $0 | $2M | $710.0K | $2M | $2M | $452.2K | · | · | · | · | |
| Net Stock Activity | $-2M | $-704.0K | $0 | $-2M | $-710.0K | $-2M | $-2M | $-452.2K | · | · | · | · | |
| Dividends Paid | $7M | $9M | $10M | $10M | $9M | $9M | $9M | $11M | $8M | $8M | $7M | $7M | |
| Financing Cash Flow | $-40M | $-40M | $-11M | $45M | $154M | $206M | $63M | $-25M | $-5M | $28M | $12M | $-36M | |
| Net Change in Cash | $26M | $46M | $27M | $-61M | $-84M | $51M | $4M | $4M | $-3M | $5M | $275.5K | $-539.8K | |
| Free Cash Flow | $21M | $14M | $14M | $18M | $29M | $28M | $19M | $20M | $18M | $21M | $20M | $18M | |
| Levered FCF | · | · | $-11M | $12M | $25M | $22M | $10M | $14M | $15M | $18M | $17M | $15M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 28.5% | 18.6% | 20.1% | 30.7% | 35.9% | 28.8% | 31.9% | 34.0% | 28.4% | 32.8% | 31.8% | 33.4% | |
| Pretax Margin | 35.7% | 22.3% | 23.9% | 40.0% | 46.1% | 35.5% | 39.1% | 42.8% | 44.1% | 47.0% | 44.1% | 45.7% | |
| ROA | 0.89% | 0.48% | 0.50% | 0.90% | 1.2% | 1.0% | 1.1% | 1.2% | 1.0% | 1.2% | 1.1% | 1.2% | |
| ROE | 9.5% | 5.7% | 6.9% | 13.5% | 11.4% | 9.1% | 9.2% | 10.0% | 8.0% | 9.4% | 9.3% | 9.9% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $23.47 | $19.52 | $18.44 | $16.58 | $22.85 | $22.96 | $20.34 | $18.60 | $18.34 | $17.73 | $17.32 | $16.61 | |
| Cash / Share | $14.31 | $11.31 | $6.13 | $3.10 | $9.80 | · | $3.75 | $3.27 | $2.84 | $3.17 | $2.58 | $2.55 | |
| Dividend / Share | $0.60 | $0.94 | $1.08 | $1.08 | $1.29 | $0.75 | $0.96 | $1.17 | · | · | $0.80 | $0.72 | |
| EPS (TTM) | $1.47 | $1.47 | $1.47 | $1.47 | $1.47 | $1.47 | $1.47 | $1.47 | $1.47 | $1.47 | $1.47 | $1.47 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 21.9% | 1.8% | -14.4% | -5.4% | 1.6% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 2.0% | -6.3% | -6.3% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 0.41% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 86.2% | -5.5% | -43.9% | -19.3% | 26.9% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | -0.46% | -24.7% | -16.9% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 0.19% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | -4.8% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $67M | $55M | $54M | $63M | $67M | $65M | $54M | $50M | $48M | $48M | $47M | $46M | |
| Net Income TTM | $19M | $10M | $11M | $19M | $24M | $19M | $17M | $17M | $14M | $16M | $15M | $15M | |
| Market Cap | $203M | $147M | $192M | $212M | $223M | $219M | $259M | $236M | $259M | $307M | $226M | $242M | |
| P/E | 15.6 | 11.2 | 14.5 | 16.1 | 16.7 | 16.3 | 19.1 | 17.3 | 18.9 | 22.4 | 16.5 | 17.6 | |
| P/S | 3.0 | 2.7 | 3.6 | 3.4 | 3.3 | 3.3 | 4.8 | 4.7 | 5.4 | 6.4 | 4.8 | 5.3 | |
| P/B | 1.0 | 0.8 | 1.2 | 1.4 | 1.1 | 1.0 | 1.4 | 1.4 | 1.5 | 1.9 | 1.4 | 1.6 | |
| P / Tangible Book | 1.0 | 0.9 | 1.3 | 1.6 | 1.2 | 1.1 | · | · | · | · | · | · | |
| P / Cash Flow | 9.5 | 10.3 | 10.0 | 10.0 | 7.3 | 7.4 | 12.8 | 11.4 | 13.8 | 14.3 | 10.0 | 12.4 | |
| P / FCF | 9.8 | 10.5 | 13.4 | 11.6 | 7.8 | 7.7 | 13.3 | 11.8 | 14.1 | 14.5 | 11.1 | 13.5 | |
| Dividend Yield | 3.5% | 6.2% | 5.1% | 4.6% | 4.2% | 4.1% | 3.4% | 4.6% | 3.1% | 2.5% | 3.2% | 2.7% | |
| Earnings Yield | 6.4% | 8.9% | 6.9% | 6.2% | 6.0% | 6.1% | 5.2% | 5.8% | 5.3% | 4.5% | 6.0% | 5.7% | |
| Payout Ratio | 37.4% | 88.9% | 89.8% | 50.1% | 39.3% | 48.1% | 51.1% | 63.5% | 59.1% | 49.1% | 48.4% | 42.7% | |
| Annual Payout | $7M | $9M | $10M | $10M | $9M | $9M | $9M | $11M | $8M | $8M | $7M | $7M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $9M | · | $8M | $7M | $6M | $4M | $2M | |
| Interest Income | $23M | $22M | $23M | $22M | $21M | $21M | $21M | $21M | $21M | $20M | $20M | $19M | $18M | $17M | $17M | $16M | |
| Pretax Income | $8M | $8M | $8M | $6M | $6M | $4M | $4M | $3M | $3M | $3M | $2M | $4M | $3M | $4M | $6M | $7M | |
| Income Tax | $2M | $2M | $2M | $1M | $1M | $794.0K | $825.0K | $397.0K | $385.0K | $416.0K | $340.0K | $597.0K | $464.0K | $671.0K | $1M | $1M | |
| Net Income | $6M | $6M | $7M | $5M | $5M | $3M | $4M | $2M | $2M | $2M | $2M | $3M | $3M | $3M | $4M | $6M | |
| EPS (Basic) | $0.67 | $0.67 | $0.73 | $0.51 | $0.51 | $0.39 | $0.39 | $0.25 | $0.24 | $0.26 | $0.23 | $0.33 | $0.28 | $0.36 | $0.49 | $0.62 | |
| Shares (Basic) | 8,857,220 | 8,857,220 | · | 8,894,152 | 8,900,515 | 8,917,386 | · | 8,992,167 | 8,992,167 | 8,992,167 | · | 8,992,167 | 8,992,167 | 8,992,167 | · | 8,992,167 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $107M | $118M | $127M | $108M | $95M | $163M | $101M | $59M | $63M | $111M | $55M | $90M | $93M | $87M | $28M | $29M | |
| PP&E (Net) | $21M | $21M | $21M | $21M | $21M | $21M | $22M | $22M | $22M | $22M | $23M | $22M | $21M | $20M | $19M | $18M | |
| PP&E (Gross) | · | · | $42M | · | · | · | $41M | · | · | · | $41M | · | · | · | $37M | · | |
| Accum. Depreciation | · | · | $21M | · | · | · | $20M | · | · | · | $19M | · | · | · | $18M | · | |
| Goodwill | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | |
| Intangibles | $654.0K | $722.0K | $791.0K | $861.0K | $938.0K | $1M | $1M | $1M | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $2M | |
| Total Assets | $2.12B | $2.14B | $2.13B | $2.11B | $2.09B | $2.18B | $2.13B | $2.12B | $2.13B | $2.19B | $2.16B | $2.15B | $2.17B | $2.19B | $2.13B | $2.09B | |
| Total Liabilities | $1.91B | $1.93B | $1.93B | $1.91B | $1.90B | $2.00B | $1.96B | $1.94B | $1.96B | $2.03B | $1.99B | $2.01B | $2.02B | $2.03B | $1.99B | $1.95B | |
| Long-term Debt | · | · | $18M | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Common Stock | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | |
| Paid-in Capital | $12M | $12M | $12M | $13M | $13M | $13M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | |
| Retained Earnings | $204M | $200M | $196M | $191M | $188M | $184M | $182M | $181M | $180M | $180M | $180M | $181M | $180M | $180M | $180M | $178M | |
| Stockholders' Equity | $213M | $208M | $208M | $201M | $193M | $183M | $175M | $183M | $167M | $166M | $166M | $147M | $155M | $159M | $149M | $137M | |
| Liabilities + Equity | $2.12B | $2.14B | $2.13B | $2.11B | $2.09B | $2.18B | $2.13B | $2.12B | $2.13B | $2.19B | $2.16B | $2.15B | $2.17B | $2.19B | $2.13B | $2.09B | |
| Shares Outstanding | 8,857,220 | 8,857,220 | 8,857,220 | 8,892,167 | 8,898,689 | 8,915,557 | 8,949,110 | 8,992,167 | 8,992,167 | 8,992,167 | 8,992,167 | 8,992,167 | 8,992,167 | 8,992,167 | 8,992,167 | 8,992,167 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $144.0K | |
| Amort. of Intangibles | $68.0K | $69.0K | $70.0K | $77.0K | $77.0K | $77.0K | $78.0K | $86.0K | $86.0K | $87.0K | $114.0K | $130.0K | $128.0K | $130.0K | $136.0K | $145.0K | |
| Operating Cash Flow | $3M | $8M | $7M | $3M | $4M | $7M | $6M | $3M | $4M | $1M | $6M | $2M | $4M | $6M | $6M | $4M | |
| CapEx | $273.0K | $405.0K | $231.0K | $101.0K | $115.0K | $195.0K | $67.0K | $67.0K | $100.0K | $64.0K | $1M | $1M | $1M | $2M | $1M | $315.0K | |
| Investing Cash Flow | $10M | $-22M | $-4M | $5M | $28M | $15M | $20M | $15M | $18M | $18M | $-20M | $10M | $17M | $11M | $-41M | $-22M | |
| Stock Repurchased | $0 | $0 | $733.0K | $122.0K | $279.0K | $550.0K | $704.0K | $0 | $0 | $0 | $0 | $0 | · | · | $0 | $0 | |
| Net Stock Activity | · | $0 | · | · | · | $-550.0K | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $-25M | $5M | $15M | $5M | $-100M | $40M | $16M | $-23M | $-70M | $37M | $-22M | $-16M | $-15M | $41M | $34M | $-27M | |
| Net Change in Cash | $-11M | $-9M | $19M | $13M | $-68M | $62M | $42M | $-4M | $-48M | $56M | $-35M | $-3M | $6M | $59M | $-1M | $-45M | |
| Free Cash Flow | · | $8M | · | · | · | $7M | · | · | · | $1M | · | · | · | $5M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-6M | · | · | · | $366.8K | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.1% | 32.7% | · | 27.5% | 28.0% | 22.3% | · | 16.4% | 16.2% | 17.6% | · | 22.4% | 18.8% | 23.0% | · | 34.8% | |
| Pretax Margin | 40.4% | 42.2% | · | 34.5% | 35.0% | 27.4% | · | 19.4% | 19.0% | 20.8% | · | 27.0% | 22.2% | 27.8% | · | 43.8% | |
| ROA | 0.28% | 0.28% | · | 0.22% | 0.21% | 0.16% | · | 0.10% | 0.10% | 0.11% | · | 0.14% | 0.12% | 0.15% | · | 0.27% | |
| ROE | 2.9% | 3.0% | · | 2.4% | 2.5% | 2.0% | · | 1.3% | 1.4% | 1.4% | · | 2.1% | 1.6% | 1.9% | · | 3.2% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $24.06 | $23.44 | · | $22.56 | $21.69 | $20.53 | · | $20.39 | $18.58 | $18.41 | · | $16.31 | $17.28 | $17.69 | · | $15.27 | |
| Cash / Share | $12.11 | $13.34 | · | $12.16 | $10.70 | $18.33 | · | $6.56 | $7.06 | $12.39 | · | $10.02 | $10.38 | $9.70 | · | $3.25 | |
| Dividend / Share | $0.24 | $0.24 | $0.20 | $0.20 | $0.00 | $0.20 | $0.20 | $0.20 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $73M | $70M | · | $63M | $60M | $57M | · | $53M | $53M | $53M | · | $56M | $59M | $61M | · | $64M | |
| Net Income TTM | $23M | $22M | · | $16M | $14M | $11M | · | $9M | $10M | $10M | · | $13M | $16M | $17M | · | $20M | |
| Market Cap | $262M | $250M | · | $180M | $158M | $156M | · | $164M | $184M | $181M | · | $149M | $162M | $187M | · | $199M | |
| P/S | 3.6 | 3.6 | · | 2.9 | 2.6 | 2.7 | · | 3.1 | 3.5 | 3.4 | · | 2.7 | 2.8 | 3.1 | · | 3.1 | |
| P/B | 1.2 | 1.2 | · | 0.9 | 0.8 | 0.9 | · | 0.9 | 1.1 | 1.1 | · | 1.0 | 1.0 | 1.2 | · | 1.5 | |
| P / Tangible Book | 1.3 | 1.3 | · | 1.0 | 0.9 | 0.9 | · | 1.0 | 1.2 | 1.2 | · | 1.1 | 1.1 | 1.3 | · | 1.6 | |
| P / Cash Flow | · | 29.9 | · | · | · | 21.9 | · | · | · | 132.6 | · | · | · | 28.8 | · | · | |
| Dividend Yield | 3.0% | 3.0% | · | 4.0% | 4.9% | 5.4% | · | 5.9% | 5.3% | 5.3% | · | 6.5% | 6.0% | 5.2% | · | 4.8% | |
| Payout Ratio | · | 35.7% | · | · | · | 51.8% | · | · | · | 105.4% | · | · | · | 75.9% | · | · | |
| Annual Payout | $8M | $7M | · | $7M | $8M | $8M | · | $10M | $10M | $10M | · | $10M | $10M | $10M | · | $10M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $19M | $10M | $11M | $19M | $24M |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $21M | $14M | $14M | $18M | $29M |
Institutional owners (13F) 103 filers · $118.1M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
103
Value held
$118.1M
New positions
16
Exited positions
4
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 16 (+3 vs prior Q) | 4 (-2 vs prior Q) | 52 (+22 vs prior Q) | 15 (-12 vs prior Q) | -22K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $20,228,108 | 683,151 | 17.13% | Shares |
| VANGUARD GROUP INC | $11,712,149 | 510,111 | 9.92% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $11,477,162 | 387,611 | 9.72% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $8,862,464 | 299,300 | 7.51% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $6,617,088 | 223,415 | 5.60% | Shares |
| STATE STREET CORP | $6,065,638 | 204,851 | 5.14% | Shares |
| AMERICAN CENTURY COMPANIES INC | $4,084,848 | 137,955 | 3.46% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $4,024,088 | 135,903 | 3.41% | Shares |
| Qube Research & Technologies Ltd | $2,523,749 | 85,233 | 2.14% | Shares |
| MARSHALL WACE, LLP | $2,475,931 | 83,618 | 2.10% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $2,383,013 | 80,480 | 2.02% | Shares |
| NORTHERN TRUST CORP | $2,202,865 | 74,396 | 1.87% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,841,268 | 62,184 | 1.56% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,794,396 | 60,601 | 1.52% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,752,142 | 59,174 | 1.48% | Shares |
| LPL Financial LLC | $1,733,552 | 58,546 | 1.47% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,664,243 | 56,205 | 1.41% | Shares |
| MORGAN STANLEY | $1,582,994 | 53,461 | 1.34% | Shares |
| AMES NATIONAL CORP | $1,313,838 | 46,557 | 1.11% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $1,279,567 | 43,214 | 1.08% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $1,275,421 | 43,074 | 1.08% | Shares |
| GOLDMAN SACHS GROUP INC | $1,255,227 | 42,392 | 1.06% | Shares |
| Trexquant Investment LP | $1,226,328 | 41,416 | 1.04% | Shares |
| CITADEL ADVISORS LLC | $1,152,540 | 38,924 | 0.98% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $974,067 | 32,897 | 0.83% | Shares |
| FIRST TRUST ADVISORS LP | $969,431 | 32,740 | 0.82% | Shares |
| CHANNEL WEALTH LLC | $926,319 | 31,284 | 0.78% | Shares |
| Bank of New York Mellon Corp | $908,073 | 30,668 | 0.77% | Shares |
| NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO | $907,250 | 30,640 | 0.77% | Shares |
| RBF Capital, LLC | $888,300 | 30,000 | 0.75% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $781,497 | 26,393 | 0.66% | Shares |
| Arkadios Wealth Advisors | $653,700 | 22,077 | 0.55% | Shares |
| NewEdge Advisors, LLC | $593,207 | 20,034 | 0.50% | Shares |
| IFG Advisory, LLC | $555,483 | 18,760 | 0.47% | Shares |
| Fourthstone LLC | $542,824 | 16,768 | 0.46% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $536,267 | 18,111 | 0.45% | Shares |
| Quadrature Capital Ltd | $493,628 | 16,671 | 0.42% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $462,864 | 15,632 | 0.39% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $441,929 | 14,925 | 0.37% | Shares |
| Nuveen, LLC | $436,777 | 14,751 | 0.37% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $431,062 | 14,558 | 0.37% | Shares |
| Compound Planning, Inc. | $394,049 | 13,308 | 0.33% | Shares |
| XTX Topco Ltd | $393,872 | 13,302 | 0.33% | Shares |
| Empowered Funds, LLC | $358,370 | 12,103 | 0.30% | Shares |
| Hillsdale Investment Management Inc. | $346,437 | 11,700 | 0.29% | Shares |
| MILLENNIUM MANAGEMENT LLC | $318,811 | 10,767 | 0.27% | Shares |
| Invesco Ltd. | $296,486 | 10,013 | 0.25% | Shares |
| Foster Group, Inc. | $294,046 | 9,931 | 0.25% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $284,612 | 9,612 | 0.24% | Shares |
| BANK OF AMERICA CORP /DE/ | $279,371 | 9,435 | 0.24% | Shares |
Company insiders 39 insiders · 7 officers · 23 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Justin C Clausen | Chief Financial Officer | April 25, 2025 P | 1,025 | 0 | 0 | $0 |
| John L Pierschbacher | CFO | May 16, 2023 P | 7,100 | 0 | 0 | $0 |
| John Patrick Nelson | President | Oct. 25, 2024 P | 17,650 | 0 | 0 | $0 |
| Michael A Wilson | Executive Vice President | June 3, 2025 P | 1,700 | 0 | 0 | $0 |
| Kevin G Deardorff | Senior Vice President | March 12, 2020 P | 2,292 | 0 | 0 | $0 |
| Terrill L Wycoff | Exec VP of subsidiary bank | Sept. 6, 2011 P | 60,158 | 0 | 0 | $0 |
| Daniel L Krieger | Chairman | July 23, 2009 S | 60,047 | 0 | 0 | $0 |
| Jeffery C Baker | Director | Sept. 9, 2026 P | 3,879 | 1 | 0 | $9,564 |
| Michelle R Cassabaum | Director | Aug. 31, 2026 P | 10,308 | 7 | 0 | $30,978 |
| Douglas W Beals | Director | Aug. 20, 2026 P | 3,275 | 2 | 0 | $20,812 |
| Patrick G Hagan | Director | May 15, 2026 P | 9,600 | 3 | 0 | $14,558 |
| Scot A. Trost | Director | Dec. 10, 2025 P | 1,000 | 1 | 0 | $4,576 |
| Kevin L Swartz | Director | Nov. 21, 2025 P | 5,380 | 1 | 0 | $4,160 |
| Horras Betty A Baudler | Director | June 2, 2025 P | 22,275 | 0 | 0 | $0 |
| David W. Benson | Director | Oct. 30, 2024 P | 9,300 | 0 | 0 | $0 |
| James R Larson II | Director | Feb. 7, 2024 P | 12,000 | 0 | 0 | $0 |
| Steven D Forth | Director | June 2, 2023 P | 3,620 | 0 | 0 | $0 |
| Lisa M Eslinger | Director | May 11, 2023 P | 2,853 | 0 | 0 | $0 |
| Thomas H Pohlman | Director | May 11, 2022 P | 13,035 | 0 | 0 | $0 |
| Richard O Parker | Director | Sept. 13, 2018 P | 10,141 | 0 | 0 | $0 |
| Robert L Cramer | Director | March 10, 2015 P | 16,116 | 0 | 0 | $0 |
| Warren R Madden | Director | May 5, 2014 P | 5,200 | 0 | 0 | $0 |
| Charles D Jons | Director | Aug. 10, 2012 G | 26,810 | 0 | 0 | $0 |
| Douglas C Gustafson | Director | Nov. 22, 2011 P | 29,350 | 0 | 0 | $0 |
| Larry A Raymon | Director | March 15, 2011 P | 2,460 | 0 | 0 | $0 |
| Marvin J Walter | Director | March 11, 2011 P | 14,625 | 0 | 0 | $0 |
| Fred C Samuelson | Director | Feb. 4, 2010 P | 500 | 0 | 0 | $0 |
| Richard Schreier | · | Aug. 14, 2026 P | 7,848 | 1 | 0 | $9,986 |
| Scott T Bauer | · | Dec. 2, 2025 P | 4,009 | 1 | 0 | $434 |
| Jeffrey K Putzier | · | Nov. 17, 2025 P | 3,827 | 1 | 0 | $4,250 |
| Dan E Johnson | · | June 11, 2025 P | 1,558 | 0 | 0 | $0 |
| Adam Snodgrass | · | May 21, 2025 P | 1,084 | 0 | 0 | $0 |
| Robert A Thomas | · | May 19, 2025 P | 2,300 | 0 | 0 | $0 |
| Stephen C Mcgill | · | May 13, 2022 P | 3,450 | 0 | 0 | $0 |
| Curtis A Hoff | · | Nov. 8, 2019 G | 3,000 | 0 | 0 | $0 |
| Harold E Thompson | · | Jan. 1, 2007 J | 1,201 | 0 | 0 | $0 |
| Leo E Herrick | · | Jan. 1, 2007 J | 483 | 0 | 0 | $0 |
| Robert W Stafford | · | Aug. 1, 2005 S | 273,446 | 0 | 0 | $0 |
| William D Tufford | · | Aug. 6, 2003 S | 35,000 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 19 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.07% | 31,016 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 7,822 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 1,033 SH | Oct. 2, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 262,636 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 51,994 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 39,515 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 5,668 SH | Oct. 2, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 29,453 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 8,221 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 12,248 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 635 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 280 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 966 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,511 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 98,517 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 280,413 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 785 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 88,438 SH | Sept. 11, 2026 | Daily |
ATLO Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 6 analysts
SELL
Median target
$33.00
+2.0%
0 0.0%
Strong Buy
0 0.0%
Buy
3 50.0%
Hold
1 16.7%
Sell
2 33.3%
Strong Sell
12-Month Price Target
1 analysts · 2026-09-29Mean target $33.00 +2.0%
Low$33.00
Mean$33.00
High$33.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| ATLO | $203M | 15.6 | 21.9% | 28.5% | 9.5% | · |
| OVLY | $252M | 10.4 | 6.7% | 29.3% | 12.2% | · |
| FRAF | $225M | 10.6 | 24.8% | 23.9% | 12.8% | · |
| QNBC | · | · | 16.9% | 24.2% | 11.6% | · |
| FUNC | $243M | 9.9 | 4.0% | 133.1% | 12.4% | · |
| NKSH | $214M | 13.5 | 9.8% | 193.6% | 8.9% | · |
| FXNC | $228M | 12.9 | 0.76% | 123.9% | 9.8% | · |
| LCNB | $233M | 10.1 | 13.3% | 25.1% | 8.6% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
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Source: SEC 10-Q filed Aug 7, 2026