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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 1.62
ATLO's Cash to Debt is ranked higher than
51% of the 1075 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. ATLO: 1.62 )
Ranked among companies with meaningful Cash to Debt only.
ATLO' s Cash to Debt Range Over the Past 10 Years
Min: 0.72  Med: 2.30 Max: No Debt
Current: 1.62
Equity to Asset 0.12
ATLO's Equity to Asset is ranked higher than
69% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ATLO: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
ATLO' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.13 Max: 0.16
Current: 0.12
0.11
0.16
Interest Coverage 4.97
ATLO's Interest Coverage is ranked higher than
78% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. ATLO: 4.97 )
Ranked among companies with meaningful Interest Coverage only.
ATLO' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 1.68 Max: 4.59
Current: 4.97
0.44
4.59
F-Score: 5
WACC vs ROIC
7.79%
11.00%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 44.08
ATLO's Operating margin (%) is ranked higher than
78% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. ATLO: 44.08 )
Ranked among companies with meaningful Operating margin (%) only.
ATLO' s Operating margin (%) Range Over the Past 10 Years
Min: 27.57  Med: 47.11 Max: 49.85
Current: 44.08
27.57
49.85
Net-margin (%) 31.79
ATLO's Net-margin (%) is ranked higher than
76% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. ATLO: 31.79 )
Ranked among companies with meaningful Net-margin (%) only.
ATLO' s Net-margin (%) Range Over the Past 10 Years
Min: 24.33  Med: 35.46 Max: 37.47
Current: 31.79
24.33
37.47
ROE (%) 9.48
ATLO's ROE (%) is ranked higher than
60% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. ATLO: 9.48 )
Ranked among companies with meaningful ROE (%) only.
ATLO' s ROE (%) Range Over the Past 10 Years
Min: 5.94  Med: 10.02 Max: 11.1
Current: 9.48
5.94
11.1
ROA (%) 1.13
ATLO's ROA (%) is ranked higher than
69% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. ATLO: 1.13 )
Ranked among companies with meaningful ROA (%) only.
ATLO' s ROA (%) Range Over the Past 10 Years
Min: 0.74  Med: 1.28 Max: 1.4
Current: 1.13
0.74
1.4
Revenue Growth (3Y)(%) 6.70
ATLO's Revenue Growth (3Y)(%) is ranked higher than
68% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. ATLO: 6.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ATLO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.5  Med: 4.75 Max: 89.6
Current: 6.7
-5.5
89.6
EBITDA Growth (3Y)(%) -2.80
ATLO's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. ATLO: -2.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ATLO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.9  Med: -2.40 Max: 43.1
Current: -2.8
-20.9
43.1
EPS Growth (3Y)(%) 3.40
ATLO's EPS Growth (3Y)(%) is ranked lower than
64% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. ATLO: 3.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ATLO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -18.2  Med: 3.15 Max: 30.1
Current: 3.4
-18.2
30.1
» ATLO's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

ATLO Guru Trades in Q1 2015

Jim Simons 18,000 sh (+50.00%)
Chuck Royce 794,503 sh (-0.58%)
» More
Q2 2015

ATLO Guru Trades in Q2 2015

Jim Simons 30,038 sh (+66.88%)
Chuck Royce 839,103 sh (+5.61%)
» More
Q3 2015

ATLO Guru Trades in Q3 2015

Jim Simons 40,300 sh (+34.16%)
Chuck Royce 824,307 sh (-1.76%)
» More
Q4 2015

ATLO Guru Trades in Q4 2015

Chuck Royce 821,146 sh (-0.38%)
» More
» Details

Insider Trades

Latest Guru Trades with ATLO

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.47
ATLO's P/E(ttm) is ranked lower than
73% of the 2205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.42 vs. ATLO: 15.47 )
Ranked among companies with meaningful P/E(ttm) only.
ATLO' s P/E(ttm) Range Over the Past 10 Years
Min: 10.6  Med: 16.37 Max: 40.37
Current: 15.47
10.6
40.37
Forward P/E 13.18
ATLO's Forward P/E is ranked lower than
83% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.45 vs. ATLO: 13.18 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.38
ATLO's PE(NRI) is ranked lower than
68% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. ATLO: 15.38 )
Ranked among companies with meaningful PE(NRI) only.
ATLO' s PE(NRI) Range Over the Past 10 Years
Min: 10.6  Med: 16.34 Max: 40.61
Current: 15.38
10.6
40.61
P/B 1.38
ATLO's P/B is ranked lower than
78% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. ATLO: 1.38 )
Ranked among companies with meaningful P/B only.
ATLO' s P/B Range Over the Past 10 Years
Min: 1.05  Med: 1.55 Max: 3.48
Current: 1.38
1.05
3.48
P/S 4.59
ATLO's P/S is ranked lower than
90% of the 2382 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.47 vs. ATLO: 4.59 )
Ranked among companies with meaningful P/S only.
ATLO' s P/S Range Over the Past 10 Years
Min: 3.79  Med: 5.31 Max: 48.71
Current: 4.59
3.79
48.71
PFCF 15.41
ATLO's PFCF is ranked lower than
77% of the 1368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.46 vs. ATLO: 15.41 )
Ranked among companies with meaningful PFCF only.
ATLO' s PFCF Range Over the Past 10 Years
Min: 6.64  Med: 14.92 Max: 60.81
Current: 15.41
6.64
60.81
POCF 10.22
ATLO's POCF is ranked lower than
67% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. ATLO: 10.22 )
Ranked among companies with meaningful POCF only.
ATLO' s POCF Range Over the Past 10 Years
Min: 6.43  Med: 11.69 Max: 33.09
Current: 10.22
6.43
33.09
EV-to-EBIT 11.12
ATLO's EV-to-EBIT is ranked higher than
56% of the 2126 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.54 vs. ATLO: 11.12 )
Ranked among companies with meaningful EV-to-EBIT only.
ATLO' s EV-to-EBIT Range Over the Past 10 Years
Min: 6  Med: 11.90 Max: 88.1
Current: 11.12
6
88.1
EV-to-EBITDA 10.56
ATLO's EV-to-EBITDA is ranked higher than
53% of the 2127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.24 vs. ATLO: 10.56 )
Ranked among companies with meaningful EV-to-EBITDA only.
ATLO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.2  Med: 10.70 Max: 74.2
Current: 10.56
5.2
74.2
PEG 2.40
ATLO's PEG is ranked lower than
80% of the 630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. ATLO: 2.40 )
Ranked among companies with meaningful PEG only.
ATLO' s PEG Range Over the Past 10 Years
Min: 0.33  Med: 1.08 Max: 26.73
Current: 2.4
0.33
26.73
Shiller P/E 16.62
ATLO's Shiller P/E is ranked lower than
55% of the 626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.98 vs. ATLO: 16.62 )
Ranked among companies with meaningful Shiller P/E only.
ATLO' s Shiller P/E Range Over the Past 10 Years
Min: 10.99  Med: 15.83 Max: 18.68
Current: 16.62
10.99
18.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.40
ATLO's Dividend Yield is ranked higher than
53% of the 2363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. ATLO: 3.40 )
Ranked among companies with meaningful Dividend Yield only.
ATLO' s Dividend Yield Range Over the Past 10 Years
Min: 1.79  Med: 2.95 Max: 7.13
Current: 3.4
1.79
7.13
Dividend Payout 0.50
ATLO's Dividend Payout is ranked lower than
73% of the 1434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. ATLO: 0.50 )
Ranked among companies with meaningful Dividend Payout only.
ATLO' s Dividend Payout Range Over the Past 10 Years
Min: 0.29  Med: 0.48 Max: 1.71
Current: 0.5
0.29
1.71
Dividend Growth (3y) 11.90
ATLO's Dividend Growth (3y) is ranked higher than
66% of the 715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. ATLO: 11.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ATLO' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -26.2  Med: 9.30 Max: 28.2
Current: 11.9
-26.2
28.2
Forward Dividend Yield 3.36
ATLO's Forward Dividend Yield is ranked higher than
50% of the 2153 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. ATLO: 3.36 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.61
ATLO's Yield on cost (5-Year) is ranked higher than
62% of the 2367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. ATLO: 4.61 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ATLO' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.46  Med: 4.06 Max: 9.81
Current: 4.61
2.46
9.81
3-Year Average Share Buyback Ratio 0.30
ATLO's 3-Year Average Share Buyback Ratio is ranked higher than
81% of the 1056 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. ATLO: 0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ATLO' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.2  Med: -0.05 Max: 0.4
Current: 0.3
-0.2
0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.45
ATLO's Price/Tangible Book is ranked lower than
72% of the 2120 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. ATLO: 1.45 )
Ranked among companies with meaningful Price/Tangible Book only.
ATLO' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.1  Med: 1.62 Max: 3.14
Current: 1.45
1.1
3.14
Price/Projected FCF 0.74
ATLO's Price/Projected FCF is ranked lower than
61% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.45 vs. ATLO: 0.74 )
Ranked among companies with meaningful Price/Projected FCF only.
ATLO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.65  Med: 0.84 Max: 1.28
Current: 0.74
0.65
1.28
Price/Median PS Value 0.88
ATLO's Price/Median PS Value is ranked higher than
61% of the 2030 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. ATLO: 0.88 )
Ranked among companies with meaningful Price/Median PS Value only.
ATLO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.75  Med: 1.08 Max: 12.58
Current: 0.88
0.75
12.58
Price/Graham Number 0.98
ATLO's Price/Graham Number is ranked lower than
71% of the 1943 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. ATLO: 0.98 )
Ranked among companies with meaningful Price/Graham Number only.
ATLO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.73  Med: 1.09 Max: 2.05
Current: 0.98
0.73
2.05
Earnings Yield (Greenblatt) (%) 9.01
ATLO's Earnings Yield (Greenblatt) (%) is ranked higher than
60% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. ATLO: 9.01 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ATLO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.1  Med: 8.40 Max: 16.6
Current: 9.01
1.1
16.6
Forward Rate of Return (Yacktman) (%) 7.52
ATLO's Forward Rate of Return (Yacktman) (%) is ranked lower than
65% of the 818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.68 vs. ATLO: 7.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ATLO' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -14  Med: 12.60 Max: 42.9
Current: 7.52
-14
42.9

More Statistics

Revenue(Mil) $47
EPS $ 1.53
Beta0.74
Short Percentage of Float2.14%
52-Week Range $22.01 - 26.43
Shares Outstanding(Mil)9.31

Analyst Estimate

Dec15
Revenue(Mil)
EPS($) 1.82
EPS without NRI($) 1.82

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Ames National Corporation or Ames National was organized and incorporated on January 21, 1975 under the laws of the State of Iowa to serve as a holding Company for its banking subsidiary, First National Bank, Ames, Iowa (First National) located in Ames, Iowa. The Company and its subsidiaries operate in the commercial banking industry through its subsidiaries in Ames, Boone, Story City, Nevada and Marshalltown, Iowa. Loan and deposit customers are located mainly in Story, Boone, Polk and Marshall Counties and adjacent counties in Iowa. The sources of company revenue are: interest and fees earned on loans made by the Company and Banks; interest on fixed income investments held by the Company and the Banks; fees on trust services provided by those Banks exercising trust powers; service charges on deposit accounts maintained at the Banks; gain on the sale of loans; and securities gains. The Banks' lending activities consist of short-term and medium-term commercial real estate loans, residential real estate loans, agricultural and business operating loans and lines of credit, equipment loans, vehicle loans, personal loans and lines of credit, home improvement loans and origination of mortgage loans for sale into the secondary market. The Banks also offer a demand, savings and time deposits, cash management services, merchant credit card processing, safe deposit boxes, wire transfers, direct deposit of payroll and social security checks and automated teller machine access. The company provides various services to the banks which include, but are not limited to, management assistance, internal auditing services, human resources services and administration, compliance management, marketing assistance and coordination, loan review and assistance with respect to computer systems and procedures. First National Bank provides full-service banking to businesses and residents within the Ames community and surrounding area. It conducts business out of three full-service offices and one super market location, all located in the city of Ames and an office built in Ankeny, Iowa. The Company and the Banks are subject to extensive federal and state regulation and supervision.
» More Articles for ATLO

Headlines

Articles On GuruFocus.com
These 69 Stocks And Funds Increased Dividends Last Week Feb 24 2013 
Stocks With Dividend Growth From Last Week (February 13-19, 2012) Feb 19 2012 
Ames National Corp. Reports Operating Results (10-K) Mar 10 2011 
Ames National Corp. Reports Operating Results (10-Q) Aug 06 2009 
Ames National Corp. Reports Operating Results (10-Q) Apr 28 2009 

More From Other Websites
Ames National Corp. Earnings Analysis: Q4, 2015 By the Numbers Jan 28 2016
AMES NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jan 22 2016
AMES NATIONAL CORP Financials Dec 08 2015
AMES NATIONAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 12 2015
Ames National Corp. Earnings Q3, 2015 Nov 12 2015
AMES NATIONAL CORP Files SEC form 10-Q, Quarterly Report Nov 06 2015
Title: Ames National Corporation Announces 2015 Q2 Earnings (10/23/15) Oct 23 2015
AMES NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Oct 16 2015
Ames National Corp. Earnings Q2, 2015 Aug 28 2015
AMES NATIONAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 14 2015
Title: Bank Performance Scorecard Released: Ames National Corporation Ranks among the Top Banks Aug 13 2015
AMES NATIONAL CORP Files SEC form 10-Q, Quarterly Report Aug 06 2015
Title: Ames National Corporation Announces 2015 Q2 Earnings (7/17/15) Jul 22 2015
Title: Lisa Eslinger Named to the Ames National Corporation Board of Directors (6/24/15) Jul 22 2015
AMES NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 17 2015
AMES NATIONAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 14 2015
AMES NATIONAL CORP Files SEC form 10-Q, Quarterly Report May 07 2015
AMES NATIONAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 01 2015
AMES NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 17 2015
AMES NATIONAL CORP Files SEC form 10-K, Annual Report Mar 12 2015

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