_id

690db290ccc777a4e85d0c79

Ticker

ATLO

Name

Ames National Corporation

Exchange

NASDAQ

Address

323 Sixth Street, Ames, IA, United States, 50010

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://www.amesnational.com

Description

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. The company accepts various deposit products, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. It 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, the company 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 incorporated in 1903 and is headquartered in Ames, Iowa.

Last Close

23.73

Volume

18495

Current Price

23.88

Change

0.6321112515802721

Last Updated

2025-11-28T12:30:54.095Z

Image

-

Ipo Date

2000-02-15T00:00:00.000Z

Market Cap

189580992

Next Dividend Date

2025-12-15T00:00:00.000Z

Dividend Frequency

Quarterly

Dividend Rate

0.2

Dividend Yield

3.350083752093803

Sentiment

-

Sentiment Sources

0

Rating

-

Target Price

-

Strong Buy

-

Buy

-

Hold

-

Sell

-

Strong Sell

-

Current Quarter

2025-09-30

Revenue

24387000

Cost Of Revenue

8431000

Gross Profit

15956000

Operating Expenses

10241000

Operating Income

5715000

Interest Expense

7804000

Pretax Income

5715000

Net Income

4559000

Eps

0.5112484757304439

Dividends Per Share

1779000

Shares Outstanding

8892167

Income Tax Expense

1156000

EBITDA

6124000

Operating Margin

23.434616804034935

Total Other Income Expense Net

15588000

Cash

113839000

Short Term Investments

202068000

Receivables

15001000

Inventories

-

Total Current Assets

330908000

Property Plant Equipment

21008000

Total Assets

2107999000

Payables

2485000

Short Term Debt

40623000

Long Term Debt

23502000

Total Liabilities

1907407000

Equity

200592000

Depreciation

409000

Change In Working Capital

-2232000

Cash From Operations

2751000

Capital Expenditures

101000

Cash From Investing

-

Cash From Financing

5125000

Net Change In Cash

12950000

PE

11.8444

PB

1.0615935714285714

ROE

2.272772593124352

ROA

0.21627144984414126

FCF

2650000

Fcf Percent

0.1086644523721655

Piotroski FScore

3

Health Score

43

Deep Value Investing Score

8.5

Defensive Investing Score

8

Dividend Investing Score

4

Economic Moat Investing Score

7.3

Garp Investing Score

3

Growth Investing Score

3

Momentum Investing Score

4

Net Net Investing Score

3.5

Quality Investing Score

4.5

Value Investing Score

6

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

24387000

Quarters > 0 > income Statement > cost Of Revenue

8431000

Quarters > 0 > income Statement > gross Profit

15956000

Quarters > 0 > income Statement > operating Expenses

10241000

Quarters > 0 > income Statement > operating Income

5715000

Quarters > 0 > income Statement > interest Expense

7804000

Quarters > 0 > income Statement > pretax Income

5715000

Quarters > 0 > income Statement > net Income

4559000

Quarters > 0 > income Statement > eps

0.5112484757304439

Quarters > 0 > income Statement > dividends Per Share

1779000

Quarters > 0 > income Statement > shares Outstanding

8917386

Quarters > 0 > income Statement > income Tax Expense

1156000

Quarters > 0 > income Statement > EBITDA

6124000

Quarters > 0 > income Statement > operating Margin

23.434616804034935

Quarters > 0 > income Statement > total Other Income Expense Net

15588000

Quarters > 0 > balance Sheet > cash

113839000

Quarters > 0 > balance Sheet > short Term Investments

202068000

Quarters > 0 > balance Sheet > receivables

15001000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

330908000

Quarters > 0 > balance Sheet > property Plant Equipment

21008000

Quarters > 0 > balance Sheet > total Assets

2107999000

Quarters > 0 > balance Sheet > payables

2485000

Quarters > 0 > balance Sheet > short Term Debt

40623000

Quarters > 0 > balance Sheet > long Term Debt

23502000

Quarters > 0 > balance Sheet > total Liabilities

1907407000

Quarters > 0 > balance Sheet > equity

200592000

Quarters > 0 > cash Flow > net Income

4559000

Quarters > 0 > cash Flow > depreciation

409000

Quarters > 0 > cash Flow > change In Working Capital

-2232000

Quarters > 0 > cash Flow > cash From Operations

2751000

Quarters > 0 > cash Flow > capital Expenditures

101000

Quarters > 0 > cash Flow > cash From Investing

-

Quarters > 0 > cash Flow > cash From Financing

5125000

Quarters > 0 > cash Flow > net Change In Cash

12950000

Quarters > 0 > ratios > PE

0.5112484757304439

Quarters > 0 > ratios > PB

1.0615935714285714

Quarters > 0 > ratios > ROE

2.272772593124352

Quarters > 0 > ratios > ROA

0.21627144984414126

Quarters > 0 > ratios > FCF

2650000

Quarters > 0 > ratios > Piotroski FScore

3

Quarters > 0 > ratios > fcf Percent

0.1086644523721655

Quarters > 0 > health Score

43

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

24126000

Quarters > 1 > income Statement > cost Of Revenue

8127000

Quarters > 1 > income Statement > gross Profit

15999000

Quarters > 1 > income Statement > operating Expenses

10363000

Quarters > 1 > income Statement > operating Income

5636000

Quarters > 1 > income Statement > interest Expense

8019000

Quarters > 1 > income Statement > pretax Income

5636000

Quarters > 1 > income Statement > net Income

4511000

Quarters > 1 > income Statement > eps

0.5058657324018496

Quarters > 1 > income Statement > dividends Per Share

1780000

Quarters > 1 > income Statement > shares Outstanding

8917386

Quarters > 1 > income Statement > income Tax Expense

1125000

Quarters > 1 > income Statement > EBITDA

6034000

Quarters > 1 > income Statement > operating Margin

23.36068971234353

Quarters > 1 > income Statement > total Other Income Expense Net

-

Quarters > 1 > balance Sheet > cash

102129000

Quarters > 1 > balance Sheet > short Term Investments

644702000

Quarters > 1 > balance Sheet > receivables

12166000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

758997000

Quarters > 1 > balance Sheet > property Plant Equipment

21239000

Quarters > 1 > balance Sheet > total Assets

2092844000

Quarters > 1 > balance Sheet > payables

2472000

Quarters > 1 > balance Sheet > short Term Debt

40061000

Quarters > 1 > balance Sheet > long Term Debt

30652000

Quarters > 1 > balance Sheet > total Liabilities

1899815000

Quarters > 1 > balance Sheet > equity

193029000

Quarters > 1 > cash Flow > net Income

4511000

Quarters > 1 > cash Flow > depreciation

398000

Quarters > 1 > cash Flow > change In Working Capital

-1714000

Quarters > 1 > cash Flow > cash From Operations

4013000

Quarters > 1 > cash Flow > capital Expenditures

115000

Quarters > 1 > cash Flow > cash From Investing

27908000

Quarters > 1 > cash Flow > cash From Financing

-100101000

Quarters > 1 > cash Flow > net Change In Cash

-68180000

Quarters > 1 > ratios > PE

0.5058657324018496

Quarters > 1 > ratios > PB

1.103187488304866

Quarters > 1 > ratios > ROE

2.336954550870595

Quarters > 1 > ratios > ROA

0.21554401570303378

Quarters > 1 > ratios > FCF

3898000

Quarters > 1 > ratios > Piotroski FScore

3

Quarters > 1 > ratios > fcf Percent

0.1615684323965846

Quarters > 1 > health Score

48

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

23665000

Quarters > 2 > income Statement > cost Of Revenue

9165000

Quarters > 2 > income Statement > gross Profit

14500000

Quarters > 2 > income Statement > operating Expenses

10263000

Quarters > 2 > income Statement > operating Income

4237000

Quarters > 2 > income Statement > interest Expense

8203000

Quarters > 2 > income Statement > pretax Income

4237000

Quarters > 2 > income Statement > net Income

3443000

Quarters > 2 > income Statement > eps

0.38609969334062694

Quarters > 2 > income Statement > dividends Per Share

1782000

Quarters > 2 > income Statement > shares Outstanding

8917386

Quarters > 2 > income Statement > income Tax Expense

794000

Quarters > 2 > income Statement > EBITDA

4631000

Quarters > 2 > income Statement > operating Margin

17.904077751954365

Quarters > 2 > income Statement > total Other Income Expense Net

-

Quarters > 2 > balance Sheet > cash

168557000

Quarters > 2 > balance Sheet > short Term Investments

640416000

Quarters > 2 > balance Sheet > receivables

12240000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

821213000

Quarters > 2 > balance Sheet > property Plant Equipment

21445000

Quarters > 2 > balance Sheet > total Assets

2184293000

Quarters > 2 > balance Sheet > payables

2555000

Quarters > 2 > balance Sheet > short Term Debt

45774000

Quarters > 2 > balance Sheet > long Term Debt

35802000

Quarters > 2 > balance Sheet > total Liabilities

2001237000

Quarters > 2 > balance Sheet > equity

183056000

Quarters > 2 > cash Flow > net Income

3443000

Quarters > 2 > cash Flow > depreciation

394000

Quarters > 2 > cash Flow > change In Working Capital

2437000

Quarters > 2 > cash Flow > cash From Operations

7118000

Quarters > 2 > cash Flow > capital Expenditures

195000

Quarters > 2 > cash Flow > cash From Investing

15464000

Quarters > 2 > cash Flow > cash From Financing

39582000

Quarters > 2 > cash Flow > net Change In Cash

62164000

Quarters > 2 > ratios > PE

0.38609969334062694

Quarters > 2 > ratios > PB

1.1632898002796956

Quarters > 2 > ratios > ROE

1.8808452058386504

Quarters > 2 > ratios > ROA

0.1576253735190288

Quarters > 2 > ratios > FCF

6923000

Quarters > 2 > ratios > Piotroski FScore

4

Quarters > 2 > ratios > fcf Percent

0.2925417282907247

Quarters > 2 > health Score

53

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

23877000

Quarters > 3 > income Statement > cost Of Revenue

8998000

Quarters > 3 > income Statement > gross Profit

14879000

Quarters > 3 > income Statement > operating Expenses

10541000

Quarters > 3 > income Statement > operating Income

4338000

Quarters > 3 > income Statement > interest Expense

9128000

Quarters > 3 > income Statement > pretax Income

4338000

Quarters > 3 > income Statement > net Income

3513000

Quarters > 3 > income Statement > eps

0.3925530024773413

Quarters > 3 > income Statement > dividends Per Share

1798000

Quarters > 3 > income Statement > shares Outstanding

8949110

Quarters > 3 > income Statement > income Tax Expense

825000

Quarters > 3 > income Statement > EBITDA

4774000

Quarters > 3 > income Statement > operating Margin

18.168111571805504

Quarters > 3 > income Statement > total Other Income Expense Net

-436000

Quarters > 3 > balance Sheet > cash

107393000

Quarters > 3 > balance Sheet > short Term Investments

194787000

Quarters > 3 > balance Sheet > receivables

13864000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

316044000

Quarters > 3 > balance Sheet > property Plant Equipment

21567000

Quarters > 3 > balance Sheet > total Assets

2133180000

Quarters > 3 > balance Sheet > payables

3208000

Quarters > 3 > balance Sheet > short Term Debt

52412000

Quarters > 3 > balance Sheet > long Term Debt

46952000

Quarters > 3 > balance Sheet > total Liabilities

1958474000

Quarters > 3 > balance Sheet > equity

174706000

Quarters > 3 > cash Flow > net Income

3513000

Quarters > 3 > cash Flow > depreciation

436000

Quarters > 3 > cash Flow > change In Working Capital

1648000

Quarters > 3 > cash Flow > cash From Operations

5940000

Quarters > 3 > cash Flow > capital Expenditures

67000

Quarters > 3 > cash Flow > cash From Investing

20352000

Quarters > 3 > cash Flow > cash From Financing

15966000

Quarters > 3 > cash Flow > net Change In Cash

42258000

Quarters > 3 > ratios > PE

0.3925530024773413

Quarters > 3 > ratios > PB

1.2232249997138047

Quarters > 3 > ratios > ROE

2.010806726729477

Quarters > 3 > ratios > ROA

0.16468371164177426

Quarters > 3 > ratios > FCF

5873000

Quarters > 3 > ratios > Piotroski FScore

4

Quarters > 3 > ratios > fcf Percent

0.2459689240691879

Quarters > 3 > health Score

53

Valuation > metrics > PE

11.8444

Valuation > metrics > PB

1.0615935714285714

Valuation > final Score

100

Valuation > verdict

Fair

Profitability > metrics > ROE

2.272772593124352

Profitability > metrics > ROA

1.377724322168095

Profitability > metrics > Net Margin

0.18694386353385

Profitability > final Score

37

Profitability > verdict

Weak

Risk > metrics > Debt Equity

9.508888689479141

Risk > metrics > Interest Coverage

0.7323167606355715

Risk > final Score

9

Risk > verdict

High

Liquidity > metrics > Current Ratio

7.676254987473323

Liquidity > metrics > Quick Ratio

7.676254987473323

Liquidity > final Score

100

Liquidity > verdict

Great

Prev Valuations > 0

100

Prev Valuations > 1

100

Prev Valuations > 2

100

Prev Profitabilities > 0

35

Prev Profitabilities > 1

27

Prev Profitabilities > 2

29

Prev Risks > 0

9

Prev Risks > 1

8

Prev Risks > 2

8

Prev Liquidities > 0

100

Prev Liquidities > 1

100

Prev Liquidities > 2

100

Updated At

2025-12-14T00:14:57.492Z