Stock Scorecard

Stock Summary for Ames National Corp (ATLO) - $20.86 as of 11/3/2025 12:22:05 PM EST

Total Score

19 out of 30

Safety Score

56 out of 100

Currently on the following lists
None
Tim's Recommendation
Possible Buy

Growth List Algorithm Criteria for ATLO

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for ATLO

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for ATLO

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for ATLO

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for ATLO (56 out of 100)

Stock Price Rating (Max of 10) 7
Historical Stock Price Rating (Max of 10) 7
Stock Price Trend (Max of 10) 7
Book Value (Max of 10) 7
Book Value to Price (Max of 10) 6
Analyst Buy Ratings (Max of 5) 0
Analyst Strong Buy Ratings (Max of 5) 0
Dividend Yield Percentage (Max of 10) 6
Operating Margin (Max of 10) 6
Trading Volume (Max of 10) 1
Price to Earnings (Max of 10) 9
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Latest News for for ATLO

Cleveland-Cliffs, Steel Dynamics And 3 Stocks To Watch Heading Into Monday - Ames National ( NASDAQ:ATLO ) , Crown Holdings ( NYSE:CCK ) 10/20/2025 7:46:00 AM
Blackboxstocks Inc. ( NASDAQ: BLBX ) Announces its Merger Target REalloys inks LOI for a 10-Year Offtake Agreement for 15% of Tanbreez Production with Critical Metals Corp. ( NASDAQ: CRML ) to Strengthen North American Rare Earth Independence 10/13/2025 12:30:00 PM
Blackboxstocks Inc. ( NASDAQ: BLBX ) Announces its Merger Target REalloys inks LOI for a 10-Year Offtake Agreement for 15% of Tanbreez Production with Critical Metals Corp. ( NASDAQ: CRML ) to Strengthen North American Rare Earth Independence - Critical Metals ( NASDAQ:CRML ) , Blackboxstocks ( NASDAQ:BLBX ) 10/13/2025 12:30:00 PM
UPDATE - Critical Metals Corp ( NASDAQ: CRML ) Secures Another Significant Tanbreez Offtake Agreement for 15% of its Production with Leading U.S. Vertically Integrated Rare Earth Company, REalloys Inc. 10/8/2025 3:45:00 PM
Energy Secretary Says Wrapping Earth With Solar Panels Would Produce 20% Of Global Energy, X Users Swiftly Community Note Official - Liberty Energy ( NYSE:LBRT ) 9/3/2025 7:41:00 AM
OLI Systems Secures $400K DOE Contract Extension to Advance Thermodynamic Modeling for Critical Materials 7/30/2025 1:00:00 PM
Ames National Grows Income in Q2 7/21/2025 4:10:00 PM
Blackboxstocks Provides Stockholder Update on Acquisition of Rare Earth Company 7/18/2025 12:30:00 PM
Blackboxstocks Provides Stockholder Update on Acquisition of Rare Earth Company - Blackboxstocks ( NASDAQ:BLBX ) 7/18/2025 12:30:00 PM
REalloys Inc., Signs Joint MOU with Saskatchewan Research Council Enabling Processing of Rare Earth Materials for High Performance Magnet Production in Q2 2025 5/19/2025 12:30:00 PM

Financial Details for ATLO

Company Overview
Ticker ATLO
Company Name Ames National Corp
Country USA
Description Ames National Corporation (ATLO) is a leading multi-bank holding company headquartered in Ames, Iowa, offering a diverse array of banking products and services tailored to meet the needs of central and north-central Iowa communities, including significant markets like Polk, Boone, and Story counties. The company prides itself on cultivating strong relationships and providing personalized financial solutions through its network of subsidiary banks. With a steadfast commitment to customer service, responsible banking practices, and regional economic development, Ames National Corporation is dedicated to enhancing the financial well-being of its clients while consistently achieving sound financial performance and sustainable growth.
Sector Name FINANCIAL SERVICES
Industry Name BANKS - REGIONAL
Most Recent Quarter 9/30/2025
Next Earnings Date N/A

Stock Price History
Last Day Price 20.86
Price 4 Years Ago 20.05
Last Day Price Updated 11/3/2025 12:22:05 PM EST
Last Day Volume 11,223
Average Daily Volume 20,465
52-Week High 21.48
52-Week Low 15.25
Last Price to 52 Week Low 36.79%

Valuation Measures
Trailing PE 11.58
Industry PE 18.55
Sector PE 23.44
5-Year Average PE 13.99
Free Cash Flow Ratio 1.82
Industry Free Cash Flow Ratio 11.10
Sector Free Cash Flow Ratio 31.96
Current Ratio Most Recent Quarter 0.41
Total Cash Per Share 11.49
Book Value Per Share Most Recent Quarter 22.56
Price to Book Ratio 0.92
Industry Price to Book Ratio 1.11
Sector Price to Book Ratio 2.29
Price to Sales Ratio Twelve Trailing Months 3.06
Industry Price to Sales Ratio Twelve Trailing Months 2.93
Sector Price to Sales Ratio Twelve Trailing Months 3.73
Analyst Buy Ratings N/A
Analyst Strong Buy Ratings N/A

Share Statistics
Total Shares Outstanding 8,892,200
Market Capitalization 185,491,292
Institutional Ownership 31.15%

Dividends
Ex-Dividend Date 8/29/2025
Previous Dividend Amount 0.2000
Current Dividend Amount 0.2000
Total Years Dividend Increasing 0
Trailing Annual Dividend Rate 0.80
Trailing Annual Dividend Yield 3.84%
Forward Annual Dividend Rate 0.80
Forward Annual Dividend Yield 3.84%
5-Year Dividend Payments Count 19
3-Year Average Dividend Yield 6.35%
5-Year Average Dividend Yield 5.57%
1-Year Dividend Growth Rate Percentage -20.79%
3-Year Dividend Growth Rate Percentage -11.00%
5-Year Dividend Growth Rate Percentage -6.12%
All-Time Dividend Growth Rate Percentage 3.06%
Dividend Payout Ratio 44.44%

Income Statement
Quarterly Earnings Growth YOY 106.90%
Annual Earnings Growth -5.54%
Reported EPS 12 Trailing Months 1.80
Reported EPS Past Year 0.90
Reported EPS Prior Year 1.14
Net Income Twelve Trailing Months 16,026,000
Net Income Past Year 10,218,000
Net Income Prior Year 10,817,000
Quarterly Revenue Growth YOY 21.60%
5-Year Revenue Growth 7.36%
Operating Margin Twelve Trailing Months 37.90%

Balance Sheet
Total Cash Most Recent Quarter 102,129,000
Total Cash Past Year 107,393,000
Total Cash Prior Year 64,005,000
Net Cash Position Most Recent Quarter 71,477,000
Net Cash Position Past Year 60,441,000
Long Term Debt Past Year 46,952,000
Long Term Debt Prior Year 110,588,000
Total Debt Most Recent Quarter 30,652,000
Equity to Debt Ratio Past Year 0.79
Equity to Debt Ratio Most Recent Quarter 0.94
Total Stockholder Equity Past Year 174,706,000
Total Stockholder Equity Prior Year 165,788,000
Total Stockholder Equity Most Recent Quarter 518,404,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 19,726,000
Free Cash Flow Per Share Twelve Trailing Months 2.22
Free Cash Flow Past Year 14,001,000
Free Cash Flow Prior Year 14,313,000

Options
Put/Call Ratio 0.00
Has Options Options Chain
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.26
MACD Signal 0.16
20-Day Bollinger Lower Band 16.77
20-Day Bollinger Middle Band 19.21
20-Day Bollinger Upper Band 21.66
Beta 0.43
RSI 58.55
50-Day SMA 17.84
150-Day SMA 17.89
200-Day SMA 18.28

System
Modified 10/31/2025 5:57:52 PM EST