Ames National Valuation

ATLO Stock  USD 27.64  0.15  0.55%   
At this time, the firm appears to be undervalued. Ames National shows a prevailing Real Value of $30.65 per share. The current price of the firm is $27.64. Our model approximates the value of Ames National from analyzing the firm fundamentals such as profit margin of 0.26 %, and Return On Equity of 0.0835 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Ames National's valuation include:
Price Book
1.1712
Enterprise Value
139.1 M
Price Sales
3.7355
Trailing PE
11.8444
Enterprise Value Revenue
3.9627
Undervalued
Today
27.64
Please note that Ames National's price fluctuation is very steady at this time. Calculation of the real value of Ames National is based on 3 months time horizon. Increasing Ames National's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Ames National is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Ames Stock. However, Ames National's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  27.64 Real  30.65 Hype  27.92 Naive  28.49
The intrinsic value of Ames National's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Ames National's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
30.65
Real Value
31.97
Upside
Estimating the potential upside or downside of Ames National helps investors to forecast how Ames stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Ames National more accurately as focusing exclusively on Ames National's fundamentals will not take into account other important factors:
Bollinger
Band Projection (param)
LowerMiddle BandUpper
20.5023.5726.65
Details
Hype
Prediction
LowEstimatedHigh
26.6027.9229.24
Details
Potential
Annual Dividend
LowForecastedHigh
0.790.830.86
Details
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Ames National's intrinsic value based on its ongoing forecasts of Ames National's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Ames National's closest peers.

Ames National Cash

19.46 Million

About Ames National Valuation

We use absolute and relative valuation methodologies to arrive at the intrinsic value of Ames National. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Ames National based exclusively on its fundamental and basic technical indicators. By analyzing Ames National's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Ames National's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Ames National. We calculate exposure to Ames National's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Ames National's related companies.
Last ReportedProjected for Next Year
Gross Profit65.1 M46 M
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 

Ames National Quarterly Retained Earnings

195.99 Million

Ames National's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Ames National's value is low or high relative to the company's performance and growth projections. Determining the market value of Ames National can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Ames National represents a small ownership stake in the entity. As a stockholder of Ames, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

Ames National Dividends Analysis For Valuation

At this time, Ames National's Dividend Payout Ratio is very stable compared to the past year. As of the 6th of February 2026, Dividend Paid And Capex Coverage Ratio is likely to grow to 1.67, while Dividends Paid is likely to drop about 8.4 M. . As of the 6th of February 2026, Price Earnings Ratio is likely to grow to 18.13, while Retained Earnings are likely to drop about 118.2 M.
Last ReportedProjected for Next Year
Dividends Paid10.4 M8.4 M
Dividend Yield 0.03  0.03 
Dividend Payout Ratio 0.38  0.67 
Dividend Paid And Capex Coverage Ratio 1.37  1.67 
There are various types of dividends Ames National can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Ames shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Ames National directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Ames pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Ames National by the value of the dividends paid out.

Ames National Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
Common Stock Shares Outstanding8.9 M
Quarterly Earnings Growth Y O Y1.079

Ames National Current Valuation Indicators

Ames National's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Ames National's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Ames National, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Ames National's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Ames National's worth.
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 Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
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.