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AMES NATIONAL CORP

ATLONASDAQ
πŸ† #3453 by market capEarnings Oct 16US Equity
$31.65β–Ό $0.14 (βˆ’0.44%)
πŸŒ™ After hours$31.65β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 0.4%
7dβ–Ό 0.8%
14dβ–Ό 3.0%
30dβ–² 0.4%
ytdβ–² 38.3%
1yβ–² 53.3%
🏦Market Cap
$280M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+6.3%
Slowing
πŸ“ŠGross Margin
71.0%
High
πŸ’΅FCF Margin
21.3%
Strong
βš–οΈP/S Ratio
2.8x
Cheap
Otter Score
44
Weak

Trading Snapshot

Day Range
$31.51 – $31.82
52-Week Range
$19.56 – $32.86
Volume
$3.27B
Avg Volume
$3.30B
Shares Outstanding
8.9M
Next Earnings
Dec 10, 2026

Fundamentals Snapshot

Annual Revenue
$98M
Last Q Revenue
$26M
P/E Ratio
12.3
P/S Ratio
2.8x
EPS (TTM)
$2.59
Dividend Yield
2.89%
Dilution (1yr)
βˆ’0.3%

Why Investors Own ATLO

  • βœ“High-growth profile β€” revenue up -7.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 26% gross margin and 7% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

ATLO logo

AMES NATIONAL CORP

ATLO
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$98Mβ–² +6.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
66.3%β–² +13.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$23Mβ–² +89.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$21Mβ–² +47.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
8.9Mβ–Ό βˆ’0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$40Mβ–Ό βˆ’$48M YoY
StockOtter Β· stockotter.space

About AMES NATIONAL CORP

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
44/100

Analyst Price Target

β“˜
Average Target
$37.43
β–² +18.3% Upside
High Target$46.53
Low Target$30.81
Based on 9 analysts

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