Ames National Corporation (ATLO)

Ames National Corporation is a multi-bank holding company based in Ames, Iowa, and its common stock is listed on NASDAQ under the symbol ATLO. Through its banking operations, the company serves customers across central, north-central, and south-central Iowa, including Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union counties. Its banking products include deposit accounts such as checking, savings, money market, and certificates of deposit, alongside a range of lending activities. These lending services cover commercial, agricultural, real estate, consumer, equipment, vehicle, and home improvement loans, as well as mortgage loans originated for sale into the secondary market. The company also provides cash management, merchant card processing, wire transfer, direct deposit, ATM and video teller access, safe deposit boxes, automatic drafts, and online, mobile, and private banking services. In addition, Ames National offers wealth management, farm management, investment, and custodial services for individuals, businesses, and nonprofit organizations. Founded in 1903, it is headquartered in Ames, Iowa.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-ATLO
$39.12
16.1% Upside
Fair
$34
0.9% Upside
Fair
Good
2.8%
11.7x
1.5x
3.9x
298.5 M
10.5%
98.3%
-1.8
34.0%
82.5%
Valuation • Fair Value

Ames National Corporation (NASDAQ-ATLO) Fair Value by Valuation Model

Review the available estimates for Ames National Corporation (NASDAQ-ATLO), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$39.12

Estimated upside of 16.1% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$31.89

Classic Ben Graham valuation formula reference.

DDM Fair Value

$55.04

Dividend discount model valuation reference.

Comps Fair Value

$28.51

Comparable-company valuation reference.

Analyst Price Target

$34

Analysts imply upside of 0.9%.

How to read these valuation models

Use the 6 available valuation references for Ames National Corporation (NASDAQ-ATLO) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Ames National Corporation (NASDAQ-ATLO)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

76.367 M

Current operating scale indicator.

Revenue Forecast

73.158 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Ames National Corporation (NASDAQ-ATLO) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Ames National Corporation (NASDAQ-ATLO)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Altman Z-Score

-1.8

Lower score that deserves closer risk review.

FCF / Net Income

82.5%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Ames National Corporation (NASDAQ-ATLO). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Dividend Profile for Ames National Corporation (NASDAQ-ATLO)

Review the dividend metrics currently supported by the latest data.

Dividend Yield

2.8%

Current income yield reference.

Payout Ratio

34.0%

Dividend payout reference.

How to read events and dividends

Review the currently available dividend data for Ames National Corporation (NASDAQ-ATLO). No upcoming company event date is included in the latest data.

Stock Forecast • Technical Outlook

Ames National Corporation (NASDAQ-ATLO) Stock Forecast & Technical Outlook

Review Ames National Corporation (NASDAQ-ATLO) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Ames National Corporation (NASDAQ-ATLO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Ames National Corporation (NASDAQ-ATLO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Ames National Corporation (NASDAQ-ATLO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Ames National Corporation (NASDAQ-ATLO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Ames National Corporation (NASDAQ-ATLO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Ames National Corporation (NASDAQ-ATLO)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Ames National Corporation (NASDAQ-ATLO) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ • Fast Investor Answers

Ames National Corporation (NASDAQ-ATLO) Stock FAQ

Data-supported answers about Ames National Corporation (NASDAQ-ATLO), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$39.12
Estimated upside 16.1%
Valuation Rating
Undervalued
Estimated upside of 16.1%
Analyst Target
$34
Implied upside 0.9%
Financial Health
Good
Current financial-health read

The current fair value estimate for Ames National Corporation (NASDAQ-ATLO) is $39.12. This implies an estimated upside of 16.1% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 16.1% versus the current market price.

The available analyst price target for Ames National Corporation (NASDAQ-ATLO) is $34. The analyst target implies estimated upside of 0.9%.

The current financial health read for Ames National Corporation (NASDAQ-ATLO) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

Based on the current data, dividend yield is 2.8%.

The current P/E ratio listed for Ames National Corporation (NASDAQ-ATLO) is 11.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Ames National Corporation is 298.5 M.

The ticker symbol for Ames National Corporation is NASDAQ-ATLO, and the stock is listed on NASDAQ.

Ames National Corporation (NASDAQ-ATLO) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Ames National Corporation is 10.5%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Ames National Corporation is 98.3%. Free float helps investors understand how much of the share base is available for public trading.