NASDAQ: ATLO
Ames National Corp Stock

$18.09-0.31 (-1.68%)
Updated Jul 11, 2025
ATLO Price
$18.09
Fair Value Price
$26.19
Market Cap
$161.28M
52 Week Low
$15.69
52 Week High
$22.03
P/E
14.24x
P/B
0.88x
P/S
2.8x
PEG
N/A
Dividend Yield
3.7%
Revenue
$55.81M
Earnings
$11.36M
Gross Margin
100%
Operating Margin
24.65%
Profit Margin
20.4%
Debt to Equity
10.93
Operating Cash Flow
$20M
Beta
0.4
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

ATLO Overview

Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, and Union counties in central, north-central, and south-central Iowa. The company accepts a range of deposits, 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 and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; 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 of payroll and social security check, 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 based in Ames, Iowa.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine ATLO's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
F
ATLO
Ranked
#96 of 297

Top Ranked Stocks in Industry

View Top Bank Stocks

Be the first to know about important ATLO news, forecast changes, insider trades & much more!

Overview

Due Diligence Score

Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how ATLO scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

ATLO ($18.09) is undervalued by 30.93% relative to our estimate of its Fair Value price of $26.19 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
ATLO ($18.09) is significantly undervalued by 30.93% relative to our estimate of its Fair Value price of $26.19 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
ATLO was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more ATLO due diligence checks available for Premium users.

Valuation

ATLO fair value

Fair Value of ATLO stock based on Discounted Cash Flow (DCF)

Price
$18.09
Fair Value
$26.19
Undervalued by
30.93%
ATLO ($18.09) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ATLO ($18.09) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ATLO was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

ATLO price to earnings (PE)

For valuing profitable companies with steady earnings

Company
14.24x
Industry
12.62x
Market
30.99x
ATLO is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ATLO is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

ATLO price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
0.88x
Industry
1.22x
ATLO is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

ATLO's financial health

Profit margin

Revenue
$14.5M
Net Income
$3.4M
Profit Margin
23.7%
ATLO's Earnings (EBIT) of $13.76M... subscribe to Premium to read more.
Interest Coverage Financials
ATLO's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.2B
Liabilities
$2.0B
Debt to equity
10.93
ATLO's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
ATLO's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$7.1M
Investing
$15.5M
Financing
$39.6M
ATLO's operating cash flow ($20.05M)... subscribe to Premium to read more.
Debt Coverage Financials

ATLO vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
ATLOC$161.28M-1.68%14.24x0.88x
OVBCC$163.05M-0.06%12.91x1.05x
PEBKC$163.35M+0.30%9.47x1.18x
HNVRC$164.31M-1.17%17.22x0.84x
BVFLC$164.99M-1.26%14.64x0.83x

Ames National Stock FAQ

What is Ames National's quote symbol?

(NASDAQ: ATLO) Ames National trades on the NASDAQ under the ticker symbol ATLO. Ames National stock quotes can also be displayed as NASDAQ: ATLO.

If you're new to stock investing, here's how to buy Ames National stock.

What is the 52 week high and low for Ames National (NASDAQ: ATLO)?

(NASDAQ: ATLO) Ames National's 52-week high was $22.03, and its 52-week low was $15.69. It is currently -17.88% from its 52-week high and 15.3% from its 52-week low.

How much is Ames National stock worth today?

(NASDAQ: ATLO) Ames National currently has 8,915,557 outstanding shares. With Ames National stock trading at $18.09 per share, the total value of Ames National stock (market capitalization) is $161.28M.

Ames National stock was originally listed at a price of $17.33 in Feb 15, 2000. If you had invested in Ames National stock at $17.33, your return over the last 25 years would have been 4.37%, for an annualized return of 0.17% (not including any dividends or dividend reinvestments).

How much is Ames National's stock price per share?

(NASDAQ: ATLO) Ames National stock price per share is $18.09 today (as of Jul 11, 2025).

What is Ames National's Market Cap?

(NASDAQ: ATLO) Ames National's market cap is $161.28M, as of Jul 12, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Ames National's market cap is calculated by multiplying ATLO's current stock price of $18.09 by ATLO's total outstanding shares of 8,915,557.
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.