Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ATLO
STRONG BUYFLAGAmes National Corporation · Financial Services · United States · $266M · Avg Vol: $2M/d
Ames National has quality Q59 and momentum M68 with a token buyback and nominal insider buying, but value at V47 is below the calibrated floor, so stage one fails.
COMPANY DESCRIPTION
Ames National Corporation is a bank holding company operating several community banks primarily in central Iowa, offering a full suite of traditional banking services including commercial, agricultural, and real estate lending, alongside deposit products. The company benefits from deep-rooted local relationships and a strong understanding of its regional market, which provides a durable competitive advantage against larger national banks. Its conservative operating strategy and focus on community needs underpin its stable market position.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 62.9M | 53.8M | 54.8M | 66.8M | 2.0% | 72.0M | — | — | — |
| EPS | 2.62 | 2.14 | 1.20 | 1.14 | 2.14 | -4.9% | 2.41 | 2.70 | 2.82 | 14.8% |
| Shares | — | 9.0M | 9.0M | 8.9M | 8.9M | -1.5% | 8.9M | — | — | — |
| Debt | — | 39.1M | 110.6M | 47.0M | 21.4M | -18.3% | 47.4M | — | — | — |
| Equity | — | 149.1M | 165.8M | 174.7M | 207.9M | 11.7% | — | — | — | — |
| Op CF | — | 21.2M | 19.2M | 14.3M | 21.3M | 0.2% | 22.6M | — | — | — |
| Inv CF | — | -127.4M | 19.1M | 72.0M | 44.2M | — | — | — | — | — |
| Fin CF | — | 44.9M | -11.1M | -40.2M | -40.0M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ATLO are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ATLO | Ames National Corporation(you) | $266M | 81 | STRONG BUY |
| HWBK | Hawthorn Bancshares, Inc. | $265M | 81 | STRONG BUY |
| CMTV | Community Bancorp | $227M | 82 | STRONG BUY |
| FUNC | First United Corporation | $288M | 79 | BUY |
| BPRN | Princeton Bancorp, Inc. | $278M | 78 | BUY |
| CFFI | C&F Financial Corporation | $254M | 77 | BUY |
| FRAF | Franklin Financial Services Corporation | $280M | 87 | STRONG BUY |
| OPBK | OP Bancorp | $233M | 85 | STRONG BUY |
| FCAP | First Capital, Inc. | $203M | 83 | STRONG BUY |
| LCNB | LCNB Corp. | $285M | 87 | STRONG BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%