Ames National Corp (ATLO) stock
ATLONasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 16/308% above fair value
$33.86−0.33 (-0.97%)
Close on Nov 13, 2026Market cap $299.91MP/E 11.8Yield 1.77%
Ames National statistics
89 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 22, 2027 (estimated, after the close)
- Last ex-dividend date
- Sep 1, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.56
- 1.52
- P/OCF Ratio
- 12.30
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 2.94
- 2.95
- EV / FCF
- 10.06
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- -0.73%
- 0.33%
- Shares Change (QoQ)
- 0.00%
- 0.00%
- Float
- 9M
- 17M
- Shares Held by Insiders
- 1.35%
- 6.05%
- Shares Held by Institutions
- 40.9%
- 61.3%
Short sellingIndustry
- Short Interest
- 219,924
- –
- Short Interest Change
- -15.9%
- -4.13%
- Short % of Float
- 2.52%
- 3.58%
- Short % of Shares Outstanding
- 2.48%
- 3.18%
- Days to Cover
- 10.40
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $35.45
- –
- 52-Week Low
- $20.51
- –
- 20-Day Moving Average
- $33.75
- –
- 50-Day Moving Average
- $32.70
- –
- 200-Day Moving Average
- $29.93
- –
- Average True Range (14)
- $0.86
- –
- Price Change (1 Week)
- -0.10%
- 0.69%
- Price Change (1 Month)
- 5.32%
- 3.79%
- Price Change (3 Months)
- 6.21%
- -2.72%
- Price Change (6 Months)
- 23.1%
- 12.2%
- Price Change (YTD)
- 47.5%
- 19.9%
- Price Change (1 Year)
- 59.2%
- 25.7%
- Price Change (3 Years)
- 77.9%
- 65.1%
- Price Change (5 Years)
- 36.8%
- 26.9%
- Price Change (10 Years)
- 15.0%
- 66.8%
- Average Volume (10 Days)
- 18,587
- –
- Average Volume (20 Days)
- 20,456
- –
- Average Volume (90 Days)
- 28,582
- –
- Relative Volume
- 0.40
- 0.68
- Relative Strength Index (14)
- 54.6
- 53.1
- Volatility (1 Year)
- 20.6%
- 24.4%
- Beta (5 Years)
- 0.31
- 0.63
MarginsIndustry
- Pretax Margin
- 42.9%
- 37.0%
- FCF Margin
- 29.2%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.5%
- 10.7%
- Return on Assets (ROA)
- 1.21%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 21.5%
- 11.7%
- Net Income Growth (YoY)
- 58.8%
- 22.6%
- EPS Growth (YoY)
- 59.4%
- 21.6%
- FCF Growth (YoY)
- 15.4%
- 27.2%
- Revenue Growth (3Y CAGR)
- 2.02%
- 5.82%
- Revenue Growth (5Y CAGR)
- 0.41%
- 6.17%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $293.85K
- $358.92K
- Profits Per Employee
- $97.90K
- $110.51K
- Employee Count
- 260
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $32.81M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $75.21M
- $165.09M
- Net Cash Per Share
- $8.49
- $8.07
- Equity (Book Value)
- $205.75M
- $570.13M
- Book Value Per Share
- $23.23
- $28.12
- Tangible Book Value
- $192.74M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$2.06M
- -$4.24M
- FCF Per Share
- $2.52
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.49%
- 8.29%
- FCF Yield
- 7.44%
- 9.18%
- Dividend Yield
- 1.77%
- 2.44%
- Buyback Yield
- 0.24%
- 1.82%
- Shareholder Yield
- 2.02%
- 3.26%
- Dividend Per Share
- $0.60
- $0.92
- Dividend Growth (YoY)
- -36.2%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 32.0%
- 28.5%
- FCF Payout Ratio
- 36.5%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $7.35M
- $16.14M
- Effective Tax Rate
- 22.4%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $38.73
- $45.07
- Graham Upside
- 14.4%
- 18.8%
- Altman Z-Score
- 0.27
- 0.22
- Piotroski F-Score
- 7
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | ATLO | S&P 500 | Difference | ATLO per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +6.1% | -3.0% | +9.2 pts | ||
| 3 months | +7.4% | -2.8% | +10.1 pts | ||
| Year to date | +51.2% | +11.5% | +39.7 pts | ||
| 1 year | +64.3% | +13.5% | +50.8 pts | ||
| 3 years | +113.9% | +77.7% | +36.2 pts | +28.8% | +21.1% |
| 5 years | +70.1% | +72.6% | −2.5 pts | +11.2% | +11.5% |
| 10 years | +77.2% | +308.2% | −231.0 pts | +5.9% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M ATLO shares were sold short on Oct 30, 2026, down 15.9% from the previous report, or 2.52% of the shares available to trade. At recent volumes it would take 10.4 days to buy them back. Over the last 20 sessions, 56.7% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 219,924 | -15.9% | 21,143 | 10.4 |
| Oct 15, 2026 | 261,369 | +5.3% | 17,959 | 14.6 |
| Sep 30, 2026 | 248,096 | -20.6% | 22,692 | 10.9 |
| Sep 15, 2026 | 312,475 | -19.3% | 36,206 | 8.6 |
| Aug 31, 2026 | 387,047 | +44.6% | 40,531 | 9.6 |
| Aug 14, 2026 | 267,699 | -1.1% | 31,069 | 8.6 |
| Jul 31, 2026 | 270,576 | +12.0% | 34,737 | 7.8 |
| Jul 15, 2026 | 241,544 | +12.9% | 51,095 | 4.7 |
| Jun 30, 2026 | 213,988 | +9.3% | 131,540 | 1.6 |
| Jun 15, 2026 | 195,814 | -13.6% | 89,285 | 2.2 |
| May 29, 2026 | 226,718 | +38.2% | 54,656 | 4.2 |
| May 15, 2026 | 163,995 | +6.0% | 61,632 | 2.7 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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