23.27 USD
-0.46 (-1.94%)
23.27 USD
0 (0%)
Taking everything into account, ATLO scores 3 out of 10 in our fundamental rating. ATLO was compared to 388 industry peers in the Banks industry. ATLO may be in some trouble as it scores bad on both profitability and health. ATLO does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year ATLO was profitable.
In the past year ATLO had a positive cash flow from operations.
ATLO had positive earnings in each of the past 5 years.
In the past 5 years ATLO always reported a positive cash flow from operatings.
1.2 Ratios
ATLO's Return On Assets of 0.76% is on the low side compared to the rest of the industry. ATLO is outperformed by 61.60% of its industry peers.
With a Return On Equity value of 7.99%, ATLO perfoms like the industry average, outperforming 41.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 7.99% | ||
| ROIC | N/A |
ROA(3y)0.63%
ROA(5y)0.79%
ROE(3y)8.44%
ROE(5y)9.16%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ATLO has a Profit Margin (25.48%) which is in line with its industry peers.
In the last couple of years the Profit Margin of ATLO has declined.
The Operating Margin and Gross Margin are not available for ATLO so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.48% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.65%
PM growth 5Y-10.19%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ATLO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ATLO has less shares outstanding
Compared to 5 years ago, ATLO has less shares outstanding
The debt/assets ratio for ATLO has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of ATLO is 2.21, which is a good value as it means it would take ATLO, 2.21 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.21, ATLO perfoms like the industry average, outperforming 45.36% of the companies in the same industry.
ATLO has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
ATLO has a Debt to Equity ratio (0.21) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ATLO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 82.63%, which is quite impressive.
ATLO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.38% yearly.
The Revenue has grown by 17.98% in the past year. This is quite good.
ATLO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.34% yearly.
EPS 1Y (TTM)82.63%
EPS 3Y-24.3%
EPS 5Y-9.38%
EPS Q2Q%107.87%
Revenue 1Y (TTM)17.98%
Revenue growth 3Y-6.26%
Revenue growth 5Y0.34%
Sales Q2Q%22.93%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.93, which indicates a correct valuation of ATLO.
The rest of the industry has a similar Price/Earnings ratio as ATLO.
When comparing the Price/Earnings ratio of ATLO to the average of the S&P500 Index (26.39), we can say ATLO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.93 | ||
| Fwd PE | N/A |
4.2 Price Multiples
63.66% of the companies in the same industry are more expensive than ATLO, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
ATLO has a Yearly Dividend Yield of 3.37%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.74, ATLO pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, ATLO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.37% |
5.2 History
The dividend of ATLO has a limited annual growth rate of 1.30%.
ATLO has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.3%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
ATLO pays out 44.55% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP44.55%
EPS Next 2YN/A
EPS Next 3YN/A
23.27
-0.46 (-1.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners33.27%
Inst Owner Change6.71%
Ins Owners1.39%
Ins Owner Change1%
Market Cap206.87M
Revenue(TTM)62.90M
Net Income(TTM)16.03M
Analysts0
Price TargetN/A
Short Float %1.33%
Short Ratio5.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.37% |
Yearly Dividend1.01
Dividend Growth(5Y)1.3%
DP44.55%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.93 | ||
| Fwd PE | N/A | ||
| P/S | 3.29 | ||
| P/FCF | 10.69 | ||
| P/OCF | 10.44 | ||
| P/B | 1.03 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.8
EY7.74%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.18
FCFY9.35%
OCF(TTM)2.23
OCFY9.58%
SpS7.08
BVpS22.56
TBVpS21.07
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 7.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.48% | ||
| GM | N/A | ||
| FCFM | 30.75% |
ROA(3y)0.63%
ROA(5y)0.79%
ROE(3y)8.44%
ROE(5y)9.16%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.65%
PM growth 5Y-10.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.21 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 29.2% | ||
| Cap/Sales | 0.76% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 120.7% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.41%
ROIC/WACCN/A
Cap/Depr(3y)146.89%
Cap/Depr(5y)117.52%
Cap/Sales(3y)4.73%
Cap/Sales(5y)3.78%
Profit Quality(3y)121.52%
Profit Quality(5y)127.03%
High Growth Momentum
Growth
EPS 1Y (TTM)82.63%
EPS 3Y-24.3%
EPS 5Y-9.38%
EPS Q2Q%107.87%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.98%
Revenue growth 3Y-6.26%
Revenue growth 5Y0.34%
Sales Q2Q%22.93%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y37.29%
FCF growth 3Y-21.19%
FCF growth 5Y-6.31%
OCF growth 1Y4.11%
OCF growth 3Y-22.29%
OCF growth 5Y-6.66%
AMES NATIONAL CORP / ATLO FAQ
Can you provide the ChartMill fundamental rating for AMES NATIONAL CORP?
ChartMill assigns a fundamental rating of 3 / 10 to ATLO.
What is the valuation status for ATLO stock?
ChartMill assigns a valuation rating of 2 / 10 to AMES NATIONAL CORP (ATLO). This can be considered as Overvalued.
What is the profitability of ATLO stock?
AMES NATIONAL CORP (ATLO) has a profitability rating of 3 / 10.
Can you provide the financial health for ATLO stock?
The financial health rating of AMES NATIONAL CORP (ATLO) is 3 / 10.