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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

Ames National Corporation (ATLO)

Financial Services Banks - Regional
30.60 $
+0.7% vs. previous close
Closing price · As of: 31. Jul 2026
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Risk & Weakness

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Basics

Market Cap
0.3$B
Shares Outstanding
9Mio.
Float
90.6%
Beta
0.3

Performance

Perf. 1M
4.70%
Perf. 3M
9.10%
Perf. 6M
31.60%
YTD Performance (%)
36.70%
52-Week-High Distance
-5.9%
Perf. 1Y
79.49%
Perf. 3Y
97.80%
Perf. 5Y
57.35%

Valuation

P/E
Forward P/E
12.8
PEG
1.0
P/B
P/S
2.7
EV/EBITDA
0.0
Price/FCF
12.0

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
31.2%
Return on Equity
11.0%
Return on Assets
1.0%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
Altman Z″
9.69
very solid
Piotroski
9 out of 9

Growth

Sales Growth Last Quarter
28.00%
EPS Growth Last Quarter
74.30%
Sales Growth (Year)
6.29%
Forward Sales Growth
Forward EPS Growth
4.40%

Dividend

Dividend Yield
3.25%
Dividend Per Share (TTM)
0.88$
Payout Ratio
36.3%
Years Without a Cut
0Years
Increase Streak
0Years

Quality & Screener

Stage
2
RS Rating
80
EPS Rating
82
very solid
Piotroski
9 out of 9
Fundamental Rating
B (69 out of 100)
Altman Z″
9.69

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Analysts & Price Target

Current Price 30.60 $
Price Target (average) 31.00 $

The price target sits 1.3% above the current price.

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Next Reporting Date

14. Aug 2026 · Q2 2026
Expected Earnings per Share
0.65 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Sales Per Quarter ($M)
2024: Q4 · 23.9 $M Q4 2025: Q1 · 23.7 $M Q1 2025: Q2 · 24.1 $M Q2 2025: Q3 · 24.4 $M Q3 2025: Q4 · 26.1 $M Q4 2026: Q1 · 25.0 $M Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.40 $ Q4 2025: Q1 · 0.39 $ Q1 2025: Q2 · 0.51 $ Q2 2025: Q3 · 0.51 $ Q3 2025: Q4 · 0.74 $ Q4 2026: Q1 · 0.67 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 14.7 % Q4 2025: Q1 · 14.5 % Q1 2025: Q2 · 18.7 % Q2 2025: Q3 · 18.7 % Q3 2025: Q4 · 25.0 % Q4 2026: Q1 · 23.8 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 5.9 $M Q4 2025: Q1 · 7.1 $M Q1 2025: Q2 · 4.0 $M Q2 2025: Q3 · 2.8 $M Q3 2025: Q4 · 7.5 $M Q4 2026: Q1 · 8.4 $M Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 5.9 $M Q4 2025: Q1 · 6.9 $M Q1 2025: Q2 · 3.9 $M Q2 2025: Q3 · 2.6 $M Q3 2025: Q4 · 7.9 $M Q4 2026: Q1 · 8.0 $M Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 7.8 % Q4 2025: Q1 · 6.2 % Q1 2025: Q2 · 4.2 % Q2 2025: Q3 · 5.5 % Q3 2025: Q4 · 9.2 % Q4 2026: Q1 · 5.6 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · 64.2 % Q4 2025: Q1 · 49.4 % Q1 2025: Q2 · 106.5 % Q2 2025: Q3 · 105.6 % Q3 2025: Q4 · 85.4 % Q4 2026: Q1 · 73.1 % Q1
Price Change in Quarter (%)
2024: Q4 · -8.8 % Q4 2025: Q1 · 7.8 % Q1 2025: Q2 · 2.8 % Q2 2025: Q3 · 14.7 % Q3 2025: Q4 · 14.6 % Q4 2026: Q1 · 24.0 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.40 64.20 24 7.80 14.70 6 6
2025: Q1 0.39 49.40 24 6.20 14.50 7 7
2025: Q2 0.51 106.50 24 4.20 18.70 4 4
2025: Q3 0.51 105.60 24 5.50 18.70 3 3
2025: Q4 0.74 85.40 26 9.20 25.00 8 8
2026: Q1 0.67 73.10 25 5.60 23.80 8 8
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Ames National Corporation ist eine Multi-Bank-Holding, die hauptsächlich in den Countys Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor und Union im zentralen, nördlich-zentralen und südlich-zentralen Iowa Bankprodukte und -dienstleistungen anbietet. Das Unternehmen nimmt verschiedene Einlagenprodukte an, darunter…

Employees259
HeadquartersAmes, IA
Websiteamesnational.com
IPO Date15. Feb 2000

Management

Management
Name Title Birth Year
John P. Nelson President, CEO & Director 1967
Scott T. Bauer President & Director of First National Bank 1963
Michael A. Wilson Chief Lending Officer 1965
Justin C. Clausen CFO & Secretary 1988
Timothy J. Lupardus Senior VP & Chief Information Officer
Lori J. Hill Valuation Services Coordinator & Administrative Officer
Dena M. Gray-Fisher VP & Marketing Director
Jennifer J. Hanson VP & Human Resources Director
Joel L. Regenwether Senior VP & Operations Project Manager
Richard J. Schreier President & Director of Reliance State Bank 1968

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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