AMES NATIONAL CORP (ATLO) Stock Fundamental Analysis
NASDAQ:ATLO - Nasdaq - US0310011004 - Common Stock - Currency: USD
We assign a fundamental rating of 2 out of 10 to ATLO. ATLO was compared to 404 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
ATLO had positive earnings in the past year.
ATLO had a positive operating cash flow in the past year.
In the past 5 years ATLO has always been profitable.
ATLO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ATLO has a worse Return On Assets (0.42%) than 77.64% of its industry peers.
The Return On Equity of ATLO (4.82%) is worse than 74.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.42% | ||
| ROE | 4.82% | ||
| ROIC | N/A |
ROA(3y)0.84%
ROA(5y)0.89%
ROE(3y)10.32%
ROE(5y)9.83%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ATLO has a worse Profit Margin (16.59%) than 71.11% of its industry peers.
ATLO's Profit Margin has declined in the last couple of years.
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) | 16.59% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.31%
PM growth 5Y-9.99%
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.
The number of shares outstanding for ATLO remains at a similar level compared to 1 year ago.
Compared to 5 years ago, ATLO has less shares outstanding
The debt/assets ratio for ATLO is higher compared to a year ago.
2.2 Solvency
ATLO has a debt to FCF ratio of 3.93. This is a good value and a sign of high solvency as ATLO would need 3.93 years to pay back of all of its debts.
ATLO has a Debt to FCF ratio (3.93) which is in line with its industry peers.
ATLO has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
ATLO has a worse Debt to Equity ratio (0.29) than 64.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.65%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ATLO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -32.64%.
ATLO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.05% yearly.
The Revenue has decreased by -4.54% in the past year.
Measured over the past years, ATLO shows a small growth in Revenue. The Revenue has been growing by 1.48% on average per year.
EPS 1Y (TTM)-32.64%
EPS 3Y-16.42%
EPS 5Y-8.05%
EPS Q2Q%-25.29%
Revenue 1Y (TTM)-4.54%
Revenue growth 3Y-6.31%
Revenue growth 5Y1.48%
Sales Q2Q%3.37%
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
Based on the Price/Earnings ratio of 18.40, the valuation of ATLO can be described as rather expensive.
ATLO's Price/Earnings ratio is a bit more expensive when compared to the industry. ATLO is more expensive than 74.87% of the companies in the same industry.
ATLO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.4 | ||
| Fwd PE | N/A |
4.2 Price Multiples
ATLO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.03 | ||
| 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 4.35%, which is a nice return.
ATLO's Dividend Yield is rather good when compared to the industry average which is at 3.11. ATLO pays more dividend than 86.18% of the companies in the same industry.
ATLO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.35% |
5.2 History
The dividend of ATLO decreases each year by -1.45%.
ATLO has been paying a dividend for at least 10 years, so it has a reliable track record.
ATLO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-1.45%
Div Incr Years13
Div Non Decr Years13
5.3 Sustainability
109.86% of the earnings are spent on dividend by ATLO. This is not a sustainable payout ratio.
The Dividend Rate of ATLO has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP109.86%
EPS Next 2YN/A
EPS Next 3YN/A
AMES NATIONAL CORP
NASDAQ:ATLO (2/12/2025, 8:00:00 PM)
Premarket: 17.82 -0.21 (-1.16%)18.03
-0.28 (-1.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners26.6%
Inst Owner Change-11.69%
Ins Owners1.39%
Ins Owner Change3.63%
Market Cap162.09M
Analysts0
Price TargetN/A
Short Float %0.84%
Short Ratio3.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.35% |
Yearly Dividend1.08
Dividend Growth(5Y)-1.45%
DP109.86%
Div Incr Years13
Div Non Decr Years13
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 | 18.4 | ||
| Fwd PE | N/A | ||
| P/S | 3.04 | ||
| P/FCF | 12.03 | ||
| P/OCF | 10.98 | ||
| P/B | 0.88 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.98
EY5.44%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.5
FCFY8.31%
OCF(TTM)1.64
OCFY9.1%
SpS5.93
BVpS20.4
TBVpS18.89
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.42% | ||
| ROE | 4.82% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.59% | ||
| GM | N/A | ||
| FCFM | 25.27% |
ROA(3y)0.84%
ROA(5y)0.89%
ROE(3y)10.32%
ROE(5y)9.83%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.31%
PM growth 5Y-9.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.93 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 75.68% | ||
| Cap/Sales | 2.41% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 152.32% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC12.65%
ROIC/WACCN/A
Cap/Depr(3y)171.73%
Cap/Depr(5y)122.43%
Cap/Sales(3y)5.48%
Cap/Sales(5y)3.96%
Profit Quality(3y)115.72%
Profit Quality(5y)122.2%
High Growth Momentum
Growth
EPS 1Y (TTM)-32.64%
EPS 3Y-16.42%
EPS 5Y-8.05%
EPS Q2Q%-25.29%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.54%
Revenue growth 3Y-6.31%
Revenue growth 5Y1.48%
Sales Q2Q%3.37%
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 1Y-29.43%
FCF growth 3Y-20.48%
FCF growth 5Y-6.55%
OCF growth 1Y-32.25%
OCF growth 3Y-13.53%
OCF growth 5Y-1.5%