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Company Analysis

Ames National Corporation ATLO

A comprehensive view of key metrics, scores, and financial health for Ames National Corporation

Overview of Ames National Corporation

ATLO NCM
Financial Services Banks - Regional Micro Cap
Ames National Corporation (ATLO), is a Micro Cap company, in the Banks - Regional industry, last closed at $26.65, about 12.7% overvalued vs fair value, +49.9% 1Y return, ranked 321/1004 in sector.
$26.65
0.04%
As of March 13, 2026
Previous close • Vol 90d: 20.1%
52-Week Range
Market Cap
$236.98M
Enterprise Value
$146.64M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.amesnational.com
HQ Ames, IA
Fiscal year Dec 31

Next Events

Earnings Apr 16 Estimated

Fair Value Snapshot

Bear Base Bull
$13
$23
$44
Current: $26.65 -13% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$82.6M
11.2%%
Interest Expense
$37.6M
Net Interest Income
$45.0M
0.8%%
Total Revenue
$54.8M
1.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.8%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.8M
95.8% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Ames National Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
47
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
37
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing ATLO's balance between Growth (15.5%), Profitability (48.3%), and Safety (36.2%). Growth 15% Safety 36% Profitability 48%

Click axes to expand details. Marker shows current allocation.

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Growth

10th percentile vs peers
10
Key Signals
Rev Growth YoY 1.8% 11p Asset Growth YoY -1.0% 14p Revenue CAGR 3Y -6.3% 3p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 10)
  • Rev Growth Yoy in bottom 20% of peers (1.8%)
  • Asset Growth Yoy in bottom 20% of peers (-1.0%)

Profitability

31th percentile vs peers
32
Key Signals
Strengths
Risks
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Safety

23th percentile vs peers
24
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Ames National Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$23.27
- - -
-12.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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