ATLO
Ames National Corporation
Price Chart
Latest Quote
$29.87
-0.25 (-0.83%)
Current Price
| Previous Close | $30.12 |
| Open | $30.32 |
| Day High | $30.74 |
| Day Low | $29.79 |
| Volume | 74,456 |
Stock Information
| Quarterly Dividend / Yield | $0.96 / 3.21% |
| Shares Outstanding | 8.86M |
| Quarterly Dividend Yield | 3.21% |
| Quarterly Dividend | $0.96 |
| Total Debt | $55.12M |
| Cash Equivalents | $124.26M |
| Revenue | $69.09M |
| Net Income | $21.54M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $264.57M |
| P/E Ratio | 12.34 |
| EPS (TTM) | $2.42 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $195.43M |
| Sales | $69.09M |
| Income | $21.54M |
| Book/sh | $23.43 |
| Cash/sh | $14.03 |
| Employees | 259 |
Financial Ratios
| EPS Growth TTM | 73.10% |
Returns & Margins
| ROA | 1.00% |
| ROE | 11.03% |
| Operating Margin | 43.09% |
| Profit Margin | 31.18% |
Ownership
| Insider Ownership | 1.25% |
| Institutional Ownership | 41.46% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.59 |
| PEG | 1.03 |
| P/S | 3.83 |
| P/B | 1.27 |
Analyst Data
| Recommendation | none |
| Target Price | $31.00 |
Technical Indicators
| SMA20 | $29.13 |
| SMA50 | $28.55 |
| SMA200 | $24.35 |
| RSI | 69.75 |
| ATR | 0.6403 |
| Shares Float | 8.02M |
| Short Float | 2.62% |
| Short Ratio | 3.84 |
| Volatility | 0.30 |
| Rel Volume | 1.10 |
Performance History
| Week | -0.93% |
| Month | +9.49% |
| Quarter | +12.35% |
| 6 Months | +27.24% |
| YTD | +33.62% |
| Year | +73.73% |
| 3 Years | +80.51% |
| 5 Years | +49.75% |
| 10 Years | +75.55% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-16 | $29.87 | 82,000 |
| 2026-06-15 | $30.12 | 72,400 |
| 2026-06-12 | $30.39 | 85,800 |
| 2026-06-11 | $30.11 | 65,800 |
| 2026-06-10 | $30.16 | 55,700 |
| 2026-06-09 | $30.15 | 115,700 |
| 2026-06-08 | $29.91 | 102,100 |
| 2026-06-05 | $29.81 | 155,100 |
| 2026-06-04 | $29.17 | 76,000 |
| 2026-06-03 | $28.56 | 51,100 |
| 2026-06-02 | $29.06 | 152,500 |
| 2026-06-01 | $28.50 | 62,200 |
| 2026-05-29 | $28.50 | 57,500 |
| 2026-05-28 | $28.51 | 34,400 |
| 2026-05-27 | $28.46 | 34,500 |
| 2026-05-26 | $28.56 | 42,300 |
| 2026-05-22 | $28.55 | 62,700 |
| 2026-05-21 | $28.55 | 78,400 |
| 2026-05-20 | $28.09 | 44,800 |
| 2026-05-19 | $27.63 | 63,300 |
| 2026-05-18 | $27.68 | 80,100 |
About Ames National Corporation
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.
đ° Latest News
If EPS Growth Is Important To You, Ames National (NASDAQ:ATLO) Presents An Opportunity
Simply Wall St. âĸ 2026-04-26T13:23:55Z
Ames National: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-23T21:36:20ZAmes National (ATLO) Profit Margin Surge Challenges Prolonged Bearish Narratives
Simply Wall St. âĸ 2025-10-19T07:10:49Z
Ames National: Q3 Earnings Snapshot
Associated Press Finance âĸ 2025-10-17T20:18:32ZAmes National (NASDAQ:ATLO) shareholders have earned a 21% return over the last year
Simply Wall St. âĸ 2025-10-10T10:43:59Z
Ames National: Q2 Earnings Snapshot
Associated Press Finance âĸ 2025-08-08T18:38:35ZAmes National Second Quarter 2025 Earnings: EPS: US$0.51 (vs US$0.24 in 2Q 2024)
Simply Wall St. âĸ 2025-07-21T10:04:01Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $66,832,000 | $54,813,000 | $53,840,000 | $62,931,000 |
| Operating Revenue | $66,832,000 | $54,813,000 | $53,840,000 | $62,931,000 |
| Expenses | ||||
| Interest Expense | $31,431,000 | $37,631,000 | $29,676,000 | $8,309,000 |
| General And Administrative Expense | $27,202,000 | $26,309,000 | $24,759,000 | $23,517,000 |
| Professional Expense And Contract Services Expense | $2,083,000 | $2,605,000 | $2,081,000 | $1,888,000 |
| Other Non Interest Expense | $9,351,000 | $9,722,000 | $9,855,000 | $9,720,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $19,027,000 | $10,218,000 | $10,817,000 | $19,293,000 |
| Net Interest Income | $55,662,000 | $44,976,000 | $44,625,000 | $53,244,000 |
| Interest Income | $87,093,000 | $82,607,000 | $74,301,000 | $61,553,000 |
| Normalized Income | $19,027,000 | $10,218,000 | $10,817,000 | $19,293,000 |
| Net Income From Continuing And Discontinued Operation | $19,027,000 | $10,218,000 | $10,817,000 | $19,293,000 |
| Net Income Common Stockholders | $19,027,000 | $10,218,000 | $10,817,000 | $19,293,000 |
| Net Income | $19,027,000 | $10,218,000 | $10,817,000 | $19,293,000 |
| Net Income Including Noncontrolling Interests | $19,027,000 | $10,218,000 | $10,817,000 | $19,293,000 |
| Net Income Continuous Operations | $19,027,000 | $10,218,000 | $10,817,000 | $19,293,000 |
| Pretax Income | $23,866,000 | $12,241,000 | $12,889,000 | $25,161,000 |
| Depreciation Amortization Depletion Income Statement | $301,000 | $337,000 | $502,000 | $574,000 |
| Depreciation And Amortization In Income Statement | $301,000 | $337,000 | $502,000 | $574,000 |
| Amortization Of Intangibles Income Statement | $301,000 | $337,000 | $502,000 | $574,000 |
| Per Share | ||||
| Diluted EPS | $2.14 | $1.14 | $1.20 | $2.14 |
| Basic EPS | $2.14 | $1.14 | $1.20 | $2.14 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,590,000 | $1,692,000 | $1,752,000 | $1,998,000 |
| Diluted Average Shares | $8,891,121 | $8,963,158 | $9,014,167 | $9,015,421 |
| Basic Average Shares | $8,891,121 | $8,963,158 | $9,014,167 | $9,015,421 |
| Diluted NI Availto Com Stockholders | $19,027,000 | $10,218,000 | $10,817,000 | $19,293,000 |
| Tax Provision | $4,839,000 | $2,023,000 | $2,072,000 | $5,868,000 |
| Gain On Sale Of Security | $0 | $-165,000 | $35,000 | $37,000 |
| Amortization | $301,000 | $337,000 | $502,000 | $574,000 |
| Selling General And Administration | $27,202,000 | $26,309,000 | $24,759,000 | $23,517,000 |
| Insurance And Claims | $1,026,000 | $1,164,000 | $1,095,000 | $608,000 |
| Salaries And Wages | $26,176,000 | $25,145,000 | $23,664,000 | $22,909,000 |
| Occupancy And Equipment | $2,992,000 | $3,007,000 | $2,965,000 | $2,945,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-14
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $194,679,000 | $161,190,000 | $151,935,000 | $134,743,000 |
| Total Assets | $2,133,540,000 | $2,133,180,000 | $2,155,481,000 | $2,134,926,000 |
| Goodwill And Other Intangible Assets | $13,215,000 | $13,516,000 | $13,853,000 | $14,355,000 |
| Other Intangible Assets | $791,000 | $1,092,000 | $1,429,000 | $1,931,000 |
| Receivables | $14,067,000 | $13,864,000 | $12,953,000 | $11,275,000 |
| Accounts Receivable | $14,067,000 | $13,864,000 | $12,953,000 | $11,275,000 |
| Cash And Cash Equivalents | $132,431,000 | $107,393,000 | $64,005,000 | $42,553,000 |
| Cash Financial | $20,481,000 | $19,525,000 | $24,105,000 | $20,819,000 |
| Cash Cash Equivalents And Federal Funds Sold | $132,431,000 | $107,393,000 | $64,005,000 | $42,553,000 |
| Other Receivables | - | - | $12,953,000 | $11,275,000 |
| Debt | ||||
| Total Debt | $21,352,000 | $46,952,000 | $110,588,000 | $39,120,000 |
| Long Term Debt And Capital Lease Obligation | $21,352,000 | $46,952,000 | $110,588,000 | $39,120,000 |
| Long Term Debt | $21,352,000 | $46,952,000 | $110,588,000 | $39,120,000 |
| Net Debt | - | - | $46,583,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,925,646,000 | $1,958,474,000 | $1,989,693,000 | $1,985,828,000 |
| Payables And Accrued Expenses | $2,562,000 | $4,998,000 | $7,138,000 | $3,094,000 |
| Payables | $2,562,000 | $4,998,000 | $7,138,000 | $3,094,000 |
| Dividends Payable | $0 | $1,790,000 | $2,428,000 | $2,428,000 |
| Accounts Payable | $2,562,000 | $3,208,000 | $4,710,000 | $666,000 |
| Equity | ||||
| Common Stock Equity | $207,894,000 | $174,706,000 | $165,788,000 | $149,098,000 |
| Total Equity Gross Minority Interest | $207,894,000 | $174,706,000 | $165,788,000 | $149,098,000 |
| Stockholders Equity | $207,894,000 | $174,706,000 | $165,788,000 | $149,098,000 |
| Gains Losses Not Affecting Retained Earnings | $-17,948,000 | $-39,063,000 | $-46,887,000 | $-63,070,000 |
| Other Equity Adjustments | $-17,948,000 | $-39,063,000 | $-46,887,000 | $-63,070,000 |
| Retained Earnings | $195,993,000 | $182,236,000 | $180,438,000 | $179,931,000 |
| Other | ||||
| Ordinary Shares Number | $8,857,220 | $8,949,110 | $8,992,167 | $8,992,167 |
| Share Issued | $8,857,220 | $8,949,110 | $8,992,167 | $8,992,167 |
| Tangible Book Value | $194,679,000 | $161,190,000 | $151,935,000 | $134,743,000 |
| Invested Capital | $229,246,000 | $221,658,000 | $276,376,000 | $188,218,000 |
| Total Capitalization | $229,246,000 | $221,658,000 | $276,376,000 | $188,218,000 |
| Additional Paid In Capital | $12,135,000 | $13,635,000 | $14,253,000 | $14,253,000 |
| Capital Stock | $17,714,000 | $17,898,000 | $17,984,000 | $17,984,000 |
| Common Stock | $17,714,000 | $17,898,000 | $17,984,000 | $17,984,000 |
| Investments And Advances | $360,554,000 | $355,713,000 | $736,389,000 | $786,438,000 |
| Goodwill | $12,424,000 | $12,424,000 | $12,424,000 | $12,424,000 |
| Net PPE | $20,920,000 | $21,567,000 | $22,549,000 | $18,895,000 |
| Accumulated Depreciation | $-20,789,000 | $-19,898,000 | $-18,501,000 | $-18,308,000 |
| Gross PPE | $41,709,000 | $41,465,000 | $41,050,000 | $37,203,000 |
| Machinery Furniture Equipment | $8,622,000 | $8,585,000 | $8,334,000 | $8,324,000 |
| Buildings And Improvements | $28,869,000 | $28,662,000 | $28,506,000 | $23,679,000 |
| Land And Improvements | $4,218,000 | $4,218,000 | $4,210,000 | $3,994,000 |
| Other Short Term Investments | $360,554,000 | $355,713,000 | $736,389,000 | $786,438,000 |
| Available For Sale Securities | - | $453,726,000 | - | - |
| Treasury Shares Number | - | - | $0 | - |
| Construction In Progress | - | - | $0 | $1,206,000 |
| Current Accrued Expenses | - | - | - | $5,647,000 |
Fetched: 2026-06-14
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $20,697,000 | $14,001,000 | $14,313,000 | $18,373,000 |
| Operating Activities | ||||
| Operating Cash Flow | $21,339,000 | $14,299,000 | $19,207,000 | $21,231,000 |
| Cash Flow From Continuing Operating Activities | $21,339,000 | $14,299,000 | $19,207,000 | $21,231,000 |
| Operating Gains Losses | $-544,000 | $-359,000 | $-397,000 | $-719,000 |
| Investing Activities | ||||
| Capital Expenditure | $-642,000 | $-298,000 | $-4,894,000 | $-2,858,000 |
| Investing Cash Flow | $44,212,000 | $71,980,000 | $19,062,000 | $-127,384,000 |
| Cash Flow From Continuing Investing Activities | $44,212,000 | $71,980,000 | $19,062,000 | $-127,384,000 |
| Net Other Investing Changes | $4,215,000 | $-715,000 | $1,527,000 | $-1,191,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-1,684,000 | $-704,000 | $0 | $-2,300,000 |
| Financing Cash Flow | $-40,025,000 | $-40,153,000 | $-11,052,000 | $44,908,000 |
| Cash Flow From Continuing Financing Activities | $-40,025,000 | $-40,153,000 | $-11,052,000 | $44,908,000 |
| Cash Dividends Paid | $-7,113,000 | $-9,082,000 | $-9,712,000 | $-9,675,000 |
| Common Stock Dividend Paid | $-7,113,000 | $-9,082,000 | $-9,712,000 | $-9,675,000 |
| Net Common Stock Issuance | $-1,684,000 | $-704,000 | $0 | $-2,300,000 |
| Other | ||||
| Repayment Of Debt | $-22,400,000 | $-177,088,000 | $-186,962,000 | $-3,300,000 |
| Issuance Of Debt | $2,800,000 | $131,452,000 | $269,850,000 | $4,000,000 |
| Interest Paid Supplemental Data | $32,077,000 | $39,133,000 | $25,632,000 | $8,560,000 |
| Income Tax Paid Supplemental Data | $4,515,000 | $626,000 | $1,813,000 | $4,969,000 |
| End Cash Position | $126,753,000 | $101,227,000 | $55,101,000 | $27,884,000 |
| Beginning Cash Position | $101,227,000 | $55,101,000 | $27,884,000 | $89,129,000 |
| Changes In Cash | $25,526,000 | $46,126,000 | $27,217,000 | $-61,245,000 |
| Common Stock Payments | $-1,684,000 | $-704,000 | $0 | $-2,300,000 |
| Net Issuance Payments Of Debt | $-25,600,000 | $-63,636,000 | $71,468,000 | $36,120,000 |
| Net Short Term Debt Issuance | $-6,000,000 | $-18,000,000 | $-11,420,000 | $35,420,000 |
| Net Long Term Debt Issuance | $-19,600,000 | $-45,636,000 | $82,888,000 | $700,000 |
| Long Term Debt Payments | $-22,400,000 | $-177,088,000 | $-186,962,000 | $-3,300,000 |
| Long Term Debt Issuance | $2,800,000 | $131,452,000 | $269,850,000 | $4,000,000 |
| Net Investment Purchase And Sale | $20,248,000 | $97,015,000 | $69,568,000 | $-45,185,000 |
| Sale Of Investment | $139,375,000 | $112,358,000 | $75,986,000 | $96,130,000 |
| Purchase Of Investment | $-119,127,000 | $-15,343,000 | $-6,418,000 | $-141,315,000 |
| Net PPE Purchase And Sale | $-642,000 | $-298,000 | $-4,894,000 | $-2,733,000 |
| Purchase Of PPE | $-642,000 | $-298,000 | $-4,894,000 | $-2,858,000 |
| Change In Working Capital | $-368,000 | $345,000 | $2,874,000 | $-3,078,000 |
| Change In Other Current Assets | $-314,000 | $1,327,000 | $-365,000 | $-1,439,000 |
| Change In Payables And Accrued Expense | $149,000 | $-71,000 | $4,917,000 | $-488,000 |
| Change In Accrued Expense | $795,000 | $1,431,000 | $873,000 | $-801,000 |
| Change In Payable | $-646,000 | $-1,502,000 | $4,044,000 | $313,000 |
| Change In Account Payable | $-646,000 | $-1,502,000 | $4,044,000 | $313,000 |
| Change In Receivables | $-203,000 | $-911,000 | $-1,678,000 | $-1,151,000 |
| Other Non Cash Items | $-82,000 | $212,000 | $315,000 | $383,000 |
| Amortization Of Securities | $-37,000 | $844,000 | $1,524,000 | $2,133,000 |
| Deferred Tax | $716,000 | $755,000 | $1,533,000 | $1,989,000 |
| Deferred Income Tax | $716,000 | $755,000 | $1,533,000 | $1,989,000 |
| Depreciation Amortization Depletion | $1,590,000 | $1,692,000 | $1,752,000 | $1,998,000 |
| Depreciation And Amortization | $1,590,000 | $1,692,000 | $1,752,000 | $1,998,000 |
| Amortization Cash Flow | $301,000 | $337,000 | $502,000 | $574,000 |
| Amortization Of Intangibles | $301,000 | $337,000 | $502,000 | $574,000 |
| Depreciation | $1,289,000 | $1,355,000 | $1,250,000 | $1,424,000 |
| Gain Loss On Investment Securities | $0 | $165,000 | $-35,000 | $-37,000 |
| Net Income From Continuing Operations | $19,027,000 | $10,218,000 | $10,817,000 | $19,293,000 |
| Sale Of PPE | - | - | $0 | $125,000 |
| Gain Loss On Sale Of PPE | - | - | $0 | $-76,000 |
| Short Term Debt Issuance | - | - | - | $35,420,000 |
| Change In Other Current Liabilities | - | - | - | $-488,000 |
| Net Business Purchase And Sale | - | - | - | - |
| Purchase Of Business | - | - | - | - |
Fetched: 2026-06-14