Is Ames National Corporation (ATLO) Overvalued?
We dive into why Ames National Corporation (ATLO) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union Counties in central, north-central, and south-central Iowa. It accepts various deposit products, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. The company also provides loans, such as short-term and medium-term commercial, multi-family and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; consumer loans to finance consumer purchases, such as automobiles, trucks, recreational vehicles, household furnishings, boats, personal loans, and lines of credit; agricultural and business operating loans and lines of credit; and originates mortgage loans for sale into the secondary market. In addition, it offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit, and automated/video teller machine access services; and automatic drafts for various accounts, as well as wealth management services. Further, it provides farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and online, mobile, and private banking services. Ames National Corporation was founded in 1903 and is headquartered in Ames, Iowa.
Commentary & Analysis
What You Need to Know About Ames National Corporation's Q3 Earnings
Ames National Corporation's fiscal Q3 earnings report was released on Friday, July 17. Let's dive in to see if (ATLO) missed or beat analyst's expectations.Michael Rose
What You Need to Know About Ames National Corporation's Q2 Earnings
Ames National Corporation's fiscal Q2 earnings report was released on Friday, April 24. Let's dive in to see if (ATLO) missed or beat analyst's expectations.Michael Rose
Does Ames National Corporation (ATLO) Have Momentum?
With data as of December 9, 2025, we examine if Ames National Corporation(ATLO) is consistently building momentum based on AAII's A+ Investor Momentum and Value Scores and Grades.Tudor Pop
Why Ames National Corporation’s (ATLO) Stock Is Down 5.25%
As of Thursday, February 01, Ames National Corporation’s ATLO share price has dipped by 5.25%, which has investors questioning if this is right time to buy.Jenna Brashear
Financial Summary
| Share Statistics | ATLO | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $281.3 | $745.4 | 30% |
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| Shares Out (Mil) | 8.9 | 15.3 | 19% |
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| Institutional Ownership | 96.1% | 83.2% | 69% |
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| Float (Mil) | 8.7 | 21.8 | 17% |
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| Beta | 0.30 | 0.42 | 18% |
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| Avg Daily Volume (000s) | 36 | 45 | 25% |
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| Price Change (52-week) |
65.0% | 94.6% | 83% |
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| Growth | ATLO | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 1.9% | 7.7% | 23% |
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| Net Income (5yr) | 0.1% | 11.1% | 40% |
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| EPS (5yr) | 0.7% | 10.1% | 32 |
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| Dividends (5yr) | (9.7%) | 3.6% | 77% |
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| Cash Flow (5yr) | (12.5%) | (17.1%) | 57% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 1 | |
| Current EPS | $0.680 | $2.720 | $2.820 | |
| Month Ago EPS | $0.660 | $2.700 | $2.820 | |
| # Rev Up | 1 | 1 | na | |
| # Rev Down | 0 | 0 | na | |
| Three Months Ago EPS | $0.660 | $2.700 | $2.820 | |
| Year/Year Chg | 1.5% | 27.2% | na | |
| Financials | ATLO | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $72 | $196 | 23% |
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| Net Income (TTM) (Mil) | $23 | $55 | 50% |
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| EPS (TTM) | $2.589 | $2.600 | 76% |
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| Operating Cash Flow (TTM) (Mil) | $22 | $35 | 42% |
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| Net Cash Flow (TTM) (Mil) | $12 | $2 | 58% |
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| Long-Term Debt (Q1) (Mil) | $17 | $100 | 31% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | ATLO | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.32 | 1.25 | 33% |
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| P/E | 12.3 | 12.4 | 26% |
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| Dividend Yield | 3.0% | 2.2% | 85% |
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| PEG (5yr hist) | 17.5 | 1.1 | 97% |
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| Ratios | ATLO | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 31.9% | 29.1% | 90% |
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| ROA | 1.1% | 1.1% | 48% |
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| ROE | 11.3% | 11.3% | 61% |
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| Liabilities to Assets | 90.0% | 89.7% | 86% |
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| F-Score | 5 | 4 | 50% |
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Ames National Corporation did not pass any screens on 8/21/2026.
