ATLO
AMES NATIONAL CORP
Next earnings Jul 16, 2026 · consensus $0.67 EPS
Last earnings -0.4% on 2026-04-24
$30.62
▲ +1.16%$30.62▲ +79.20%
over 1Y
L $16.83EODHDH $30.85
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.2%
1W+2.8%
1M+7.6%
3M+11.8%
YTD+37.0%
1Y+79.2%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 6 analysts
Sell
Undemanding valuation (P/E 11.7).
Return on equity 9.2% · latest
The read
Middling fundamentals offset by an attractive price (~225% below fair value) — worth a look on the value angle.
AMES NATIONAL CORP shows limited reported revenue, and 9.2% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $23.9M | $19.3M | $10.8M | $10.2M | $19.0M |
| Diluted EPS | $2.62 | — | — | — | — |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF13.1
PEG (trailing)0.14
Earnings yield7.0%
FCF yield7.6%
Quality & risk
ROIC (est.)—
Free cash flow$20.7M
Total debt$18.4M
Net cash$108M
Piotroski F-Score6/6
Capital returns
Buyback yield0.6%
Dividend yield (est.)2.6%
Shareholder yield3.2%
Shares Δ YoY-0.7%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-24open ↗4Period ending 2026-05-292026-05-29open ↗SCHEDULE 13GFiling2026-05-15open ↗8-KPeriod ending 2026-05-132026-05-15open ↗4Period ending 2026-05-152026-05-15open ↗13F-HRPeriod ending 2026-03-312026-05-12open ↗4Period ending 2026-05-122026-05-12open ↗10-QPeriod ending 2026-03-312026-05-08open ↗3Period ending 2026-04-302026-05-04open ↗8-KPeriod ending 2026-04-292026-05-01open ↗4Period ending 2026-04-302026-04-30open ↗4Period ending 2026-04-302026-04-30open ↗
Frequently asked
- Is AMES NATIONAL CORP (ATLO) a buy?
- ATLO currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Undemanding valuation (P/E 11.7).
- What is ATLO's fair value?
- A Modified-Graham model based on ATLO's SEC fundamentals estimates a fair value of about $99.56. It is an estimate from reported earnings, not a price target.
- Is ATLO overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, ATLO currently appears undervalued relative to its SEC-grounded earnings power.
- What is AMES NATIONAL CORP's quality score?
- ATLO scores 80.76470588235294/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001132651, latest 10-Q filed 2026-05-08) · EODHD · as of 6/28/2026, 11:27:01 AM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.