Ames National Stock Analysis

ATLO Stock  USD 27.95  0.31  1.12%   
Below is the normalized historical share price chart for Ames National extending back to August 11, 1997. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of Ames National stands at 27.95, as last reported on the 7th of February, with the highest price reaching 28.35 and the lowest price hitting 27.80 during the day.
IPO Date
15th of February 2000
200 Day MA
18.658
50 Day MA
20.5274
Beta
0.425
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Ames National holds a debt-to-equity ratio of 0.0806. At this time, Ames National's Long Term Debt To Capitalization is very stable compared to the past year. As of the 7th of February 2026, Total Debt To Capitalization is likely to grow to 0.23, while Long Term Debt is likely to drop about 27.5 M. With a high degree of financial leverage come high-interest payments, which usually reduce Ames National's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

Ames National's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. Ames National's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps Ames Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect Ames National's stakeholders.
For many companies, including Ames National, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for Ames National, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, Ames National's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.178
Price Sales
3.7774
Shares Float
8.7 M
Dividend Share
0.6
Earnings Share
1.8
At this time, Ames National's Other Stockholder Equity is very stable compared to the past year. As of the 7th of February 2026, Common Stock is likely to grow to about 19.9 M, while Total Stockholder Equity is likely to drop about 157.3 M. . At this time, Ames National's Price Fair Value is very stable compared to the past year.
Ames National is undervalued with Real Value of 29.82 and Hype Value of 28.01. The main objective of Ames National stock analysis is to determine its intrinsic value, which is an estimate of what Ames National is worth, separate from its market price. There are two main types of Ames National's stock analysis: fundamental analysis and technical analysis.
The Ames National stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Ames National is usually not traded on Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day ( substitute day ), Independence Day. Ames Stock trading window is adjusted to America/New York timezone.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Ames National. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.
To learn how to invest in Ames Stock, please use our How to Invest in Ames National guide.

Ames Stock Analysis Notes

About 31.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.18. Some equities with similar Price to Book (P/B) outperform the market in the long run. Ames National last dividend was issued on the 29th of August 2025. The entity had 3:1 split on the 18th of July 2005. 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. Ames National Corporation was founded in 1903 and is based in Ames, Iowa. Ames Natl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 261 people. For more info on Ames National please contact the company at 515 232 6251 or go to https://www.amesnational.com.

Ames National Investment Alerts

Ames National has a strong financial position based on the latest SEC filings
On 15th of December 2025 Ames National paid $ 0.2 per share dividend to its current shareholders
Latest headline from MacroaxisInsider: Insider Trading

Ames Largest EPS Surprises

Earnings surprises can significantly impact Ames National's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2010-10-15
2010-09-300.340.380.0411 
2010-01-22
2009-12-310.240.17-0.0729 
2010-07-16
2010-06-300.240.330.0937 
View All Earnings Estimates

Ames National Environmental, Social, and Governance (ESG) Scores

Ames National's ESG score is a quantitative measure that evaluates Ames National's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Ames National's operations that may have significant financial implications and affect Ames National's stock price as well as guide investors towards more socially responsible investments.

Ames Stock Institutional Investors

Shares
Renaissance Technologies Corp2025-06-30
49.1 K
Lpl Financial Corp2025-06-30
41.6 K
Northwestern Mutual Wealth Management Co2025-06-30
31 K
Rbf Llc2025-06-30
30 K
Bank Of New York Mellon Corp2025-06-30
29.3 K
Charles Schwab Investment Management Inc2025-06-30
25 K
Commonwealth Equity Services Inc2025-06-30
22.8 K
Ifg Advisory, Llc2025-06-30
21 K
Goss Wealth Management Llc2025-06-30
20.6 K
Blackrock Inc2025-06-30
649.2 K
Vanguard Group Inc2025-06-30
503.7 K
Note, although Ames National's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Ames Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 189.58 M.

Ames Profitablity

The company has Profit Margin (PM) of 0.26 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.38 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.38.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.01  0.01 
Return On Assets 0.01  0.01 
Return On Equity 0.09  0.11 

Management Efficiency

At this time, Ames National's Return On Tangible Assets are very stable compared to the past year. As of the 7th of February 2026, Return On Assets is likely to grow to 0.01, while Return On Capital Employed is likely to drop 0.01. At this time, Ames National's Return On Assets are very stable compared to the past year. As of the 7th of February 2026, Asset Turnover is likely to grow to 0.05, while Total Assets are likely to drop about 1.4 B. Ames National's management efficiency ratios could be used to measure how well Ames National manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 23.30  12.36 
Tangible Book Value Per Share 21.82  11.82 
Enterprise Value Over EBITDA 9.91  13.31 
Price Book Value Ratio 0.99  1.69 
Enterprise Value Multiple 9.91  13.31 
Price Fair Value 0.99  1.69 
Enterprise Value220.1 M176.8 M
The decision-making processes within Ames National are key to its success in a competitive market. By evaluating these processes, we assess the stock's potential for future gains.
Dividend Yield
0.0282
Operating Margin
0.3788
Profit Margin
0.2646
Forward Dividend Yield
0.0376
Beta
0.425

Technical Drivers

As of the 7th of February, Ames National shows the risk adjusted performance of 0.2852, and Mean Deviation of 0.9855. Ames National technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

Ames National Price Movement Analysis

The output start index for this execution was twenty-nine with a total number of output elements of thirty-two.

Ames National Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Ames National insiders, such as employees or executives, is commonly permitted as long as it does not rely on Ames National's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Ames National insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Ames National Outstanding Bonds

Ames National issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Ames National uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Ames bonds can be classified according to their maturity, which is the date when Ames National has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Ames National Predictive Daily Indicators

Ames National intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Ames National stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Ames National Corporate Filings

F5
5th of February 2026
The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners
ViewVerify
F5
3rd of February 2026
The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners
ViewVerify
F4
2nd of February 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
23rd of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
22nd of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
10th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
3rd of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
24th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

Ames National Forecast Models

Ames National's time-series forecasting models are one of many Ames National's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Ames National's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Ames National Bond Ratings

Ames National financial ratings play a critical role in determining how much Ames National have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Ames National's borrowing costs.
Piotroski F Score
7
StrongView
Beneish M Score
(8.44)
Unlikely ManipulatorView

Ames National Debt to Cash Allocation

As Ames National follows its natural business cycle, the capital allocation decisions will not magically go away. Ames National's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
Ames National currently holds 60.15 M in liabilities with Debt to Equity (D/E) ratio of 0.08, which may suggest the company is not taking enough advantage from borrowing. Note, when we think about Ames National's use of debt, we should always consider it together with its cash and equity.

Ames National Total Assets Over Time

Ames National Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Ames National uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Ames National Debt Ratio

    
  5.57   
It appears that most of the Ames National's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Ames National's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Ames National, which in turn will lower the firm's financial flexibility.

Ames National Corporate Bonds Issued

Ames Short Long Term Debt Total

Short Long Term Debt Total

68.22 Million

At this time, Ames National's Short and Long Term Debt Total is very stable compared to the past year.

About Ames Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Ames National prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Ames shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Ames National. By using and applying Ames Stock analysis, traders can create a robust methodology for identifying Ames entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.24  0.37 
Operating Profit Margin 0.24  0.37 
Net Profit Margin 0.19  0.28 
Gross Profit Margin 0.66  0.59 

Be your own money manager

As an investor, your ultimate goal is to build wealth. Optimizing your investment portfolio is an essential element in this goal. Using our stock analysis tools, you can find out how much better you can do when adding Ames National to your portfolios without increasing risk or reducing expected return.

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When determining whether Ames National offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Ames National's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Ames National Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Ames National Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Ames National. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.
To learn how to invest in Ames Stock, please use our How to Invest in Ames National guide.
You can also try the Portfolio Manager module to state of the art Portfolio Manager to monitor and improve performance of your invested capital.
Will Regional Banks sector continue expanding? Could Ames diversify its offerings? Factors like these will boost the valuation of Ames National. If investors know Ames will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Ames National data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth
1.079
Dividend Share
0.6
Earnings Share
1.8
Revenue Per Share
6.786
Quarterly Revenue Growth
0.216
The market value of Ames National is measured differently than its book value, which is the value of Ames that is recorded on the company's balance sheet. Investors also form their own opinion of Ames National's value that differs from its market value or its book value, called intrinsic value, which is Ames National's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because Ames National's market value can be influenced by many factors that don't directly affect Ames National's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Understanding that Ames National's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Ames National represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. Meanwhile, Ames National's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.