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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.20
ATLO's Cash to Debt is ranked lower than
59% of the 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. ATLO: 1.20 )
Ranked among companies with meaningful Cash to Debt only.
ATLO' s Cash to Debt Range Over the Past 10 Years
Min: 0.72  Med: 2.27 Max: No Debt
Current: 1.2
Equity to Asset 0.13
ATLO's Equity to Asset is ranked higher than
77% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ATLO: 0.13 )
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: 0.13
0.11
0.16
Interest Coverage 5.53
ATLO's Interest Coverage is ranked higher than
82% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. ATLO: 5.53 )
Ranked among companies with meaningful Interest Coverage only.
ATLO' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 2.5 Max: 5.53
Current: 5.53
0.44
5.53
F-Score: 5
M-Score: -2.58
WACC vs ROIC
7.66%
11.20%
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 (%) 46.85
ATLO's Operating margin (%) is ranked higher than
80% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. ATLO: 46.85 )
Ranked among companies with meaningful Operating margin (%) only.
ATLO' s Operating margin (%) Range Over the Past 10 Years
Min: 27.57  Med: 46.14 Max: 48.79
Current: 46.85
27.57
48.79
Net-margin (%) 33.39
ATLO's Net-margin (%) is ranked higher than
77% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. ATLO: 33.39 )
Ranked among companies with meaningful Net-margin (%) only.
ATLO' s Net-margin (%) Range Over the Past 10 Years
Min: 24.33  Med: 34.61 Max: 36.89
Current: 33.39
24.33
36.89
ROE (%) 9.78
ATLO's ROE (%) is ranked higher than
61% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. ATLO: 9.78 )
Ranked among companies with meaningful ROE (%) only.
ATLO' s ROE (%) Range Over the Past 10 Years
Min: 5.94  Med: 9.87 Max: 11.1
Current: 9.78
5.94
11.1
ROA (%) 1.20
ATLO's ROA (%) is ranked higher than
71% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. ATLO: 1.20 )
Ranked among companies with meaningful ROA (%) only.
ATLO' s ROA (%) Range Over the Past 10 Years
Min: 0.74  Med: 1.23 Max: 1.39
Current: 1.2
0.74
1.39
Revenue Growth (3Y)(%) 5.90
ATLO's Revenue Growth (3Y)(%) is ranked higher than
64% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. ATLO: 5.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ATLO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.5  Med: 4.8 Max: 89.6
Current: 5.9
-5.5
89.6
EBITDA Growth (3Y)(%) 4.00
ATLO's EBITDA Growth (3Y)(%) is ranked lower than
57% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. ATLO: 4.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ATLO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -21  Med: 1.9 Max: 32.5
Current: 4
-21
32.5
EPS Growth (3Y)(%) 1.90
ATLO's EPS Growth (3Y)(%) is ranked lower than
67% of the 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ATLO: 1.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ATLO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -18.3  Med: 3.1 Max: 30.2
Current: 1.9
-18.3
30.2
» ATLO's 10-Y Financials

Financials


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

» Details

Guru Trades

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

Jim Simons 50,737 sh (+25.90%)
Chuck Royce 821,146 sh (-0.38%)
» More
Q1 2016

ATLO Guru Trades in Q1 2016

Jim Simons 50,200 sh (-1.06%)
Chuck Royce 806,646 sh (-1.77%)
» More
Q2 2016

ATLO Guru Trades in Q2 2016

Jim Simons 61,300 sh (+22.11%)
Chuck Royce 790,455 sh (-2.01%)
» More
» Details

Insider Trades

Latest Guru Trades with ATLO

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FMNB, NAS:CZNC, NAS:BSRR, NAS:NKSH, NAS:CNBKA, NAS:CARO, NAS:MCBC, NAS:FMBH, NAS:FNLC, NAS:FBNK, NAS:OSBC, NAS:CCBG, OTCPK:ALRS, NAS:ANCX, NAS:AMNB, NAS:TBBK, NAS:HEOP, NAS:MBVT, NAS:CCNE, NAS:PFIS » details
Ames National Corporation is a bank holding Company. It offers savings accounts, demand deposits, money market accounts and loans comprising real estate loans, residential loans, equipment loans, vehicle loans and personal loans, among others.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 15.98
ATLO's P/E(ttm) is ranked lower than
65% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. ATLO: 15.98 )
Ranked among companies with meaningful P/E(ttm) only.
ATLO' s P/E(ttm) Range Over the Past 10 Years
Min: 10.6  Med: 16.02 Max: 40.61
Current: 15.98
10.6
40.61
PE(NRI) 15.98
ATLO's PE(NRI) is ranked lower than
65% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. ATLO: 15.98 )
Ranked among companies with meaningful PE(NRI) only.
ATLO' s PE(NRI) Range Over the Past 10 Years
Min: 10.6  Med: 16.02 Max: 40.61
Current: 15.98
10.6
40.61
Price/Owner Earnings (ttm) 14.22
ATLO's Price/Owner Earnings (ttm) is ranked lower than
59% of the 838 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.83 vs. ATLO: 14.22 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ATLO' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.91  Med: 16.4 Max: 197.17
Current: 14.22
7.91
197.17
P/B 1.50
ATLO's P/B is ranked lower than
77% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. ATLO: 1.50 )
Ranked among companies with meaningful P/B only.
ATLO' s P/B Range Over the Past 10 Years
Min: 1.05  Med: 1.52 Max: 2.66
Current: 1.5
1.05
2.66
P/S 5.33
ATLO's P/S is ranked lower than
83% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. ATLO: 5.33 )
Ranked among companies with meaningful P/S only.
ATLO' s P/S Range Over the Past 10 Years
Min: 3.79  Med: 5.21 Max: 29.18
Current: 5.33
3.79
29.18
PFCF 12.54
ATLO's PFCF is ranked lower than
61% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. ATLO: 12.54 )
Ranked among companies with meaningful PFCF only.
ATLO' s PFCF Range Over the Past 10 Years
Min: 6.64  Med: 16.13 Max: 46.78
Current: 12.54
6.64
46.78
POCF 11.68
ATLO's POCF is ranked lower than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. ATLO: 11.68 )
Ranked among companies with meaningful POCF only.
ATLO' s POCF Range Over the Past 10 Years
Min: 6.43  Med: 11.73 Max: 28.4
Current: 11.68
6.43
28.4
EV-to-EBIT 10.99
ATLO's EV-to-EBIT is ranked higher than
57% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. ATLO: 10.99 )
Ranked among companies with meaningful EV-to-EBIT only.
ATLO' s EV-to-EBIT Range Over the Past 10 Years
Min: 6  Med: 11.2 Max: 52.3
Current: 10.99
6
52.3
EV-to-EBITDA 10.37
ATLO's EV-to-EBITDA is ranked higher than
55% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. ATLO: 10.37 )
Ranked among companies with meaningful EV-to-EBITDA only.
ATLO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.7  Med: 10.3 Max: 48.4
Current: 10.37
5.7
48.4
PEG 7.67
ATLO's PEG is ranked lower than
93% of the 736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. ATLO: 7.67 )
Ranked among companies with meaningful PEG only.
ATLO' s PEG Range Over the Past 10 Years
Min: 0.37  Med: 1.43 Max: 7.85
Current: 7.67
0.37
7.85
Shiller P/E 18.74
ATLO's Shiller P/E is ranked lower than
55% of the 486 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. ATLO: 18.74 )
Ranked among companies with meaningful Shiller P/E only.
ATLO' s Shiller P/E Range Over the Past 10 Years
Min: 10.99  Med: 16.04 Max: 19.04
Current: 18.74
10.99
19.04

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.01
ATLO's Dividend Yield is ranked higher than
51% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. ATLO: 3.01 )
Ranked among companies with meaningful Dividend Yield only.
ATLO' s Dividend Yield Range Over the Past 10 Years
Min: 1.91  Med: 3.01 Max: 7.13
Current: 3.01
1.91
7.13
Dividend Payout 0.47
ATLO's Dividend Payout is ranked lower than
71% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ATLO: 0.47 )
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: 1.75
Current: 0.47
0.29
1.75
Dividend Growth (3y) 10.40
ATLO's Dividend Growth (3y) is ranked higher than
56% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. ATLO: 10.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ATLO' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -26.2  Med: 10.4 Max: 28.2
Current: 10.4
-26.2
28.2
Forward Dividend Yield 3.07
ATLO's Forward Dividend Yield is ranked lower than
52% of the 2090 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. ATLO: 3.07 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.38
ATLO's Yield on cost (5-Year) is ranked higher than
69% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.48 vs. ATLO: 5.38 )
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: 3.41  Med: 5.38 Max: 12.73
Current: 5.38
3.41
12.73

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.57
ATLO's Price/Tangible Book is ranked lower than
73% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. ATLO: 1.57 )
Ranked among companies with meaningful Price/Tangible Book only.
ATLO' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.1  Med: 1.61 Max: 3.14
Current: 1.57
1.1
3.14
Price/Projected FCF 0.81
ATLO's Price/Projected FCF is ranked lower than
67% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. ATLO: 0.81 )
Ranked among companies with meaningful Price/Projected FCF only.
ATLO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.66  Med: 0.86 Max: 1.38
Current: 0.81
0.66
1.38
Price/DCF (Earnings Based) 1.47
ATLO's Price/DCF (Earnings Based) is ranked lower than
89% of the 104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.73 vs. ATLO: 1.47 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.02
ATLO's Price/Median PS Value is ranked lower than
51% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. ATLO: 1.02 )
Ranked among companies with meaningful Price/Median PS Value only.
ATLO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.76  Med: 1.08 Max: 12.94
Current: 1.02
0.76
12.94
Price/Graham Number 1.06
ATLO's Price/Graham Number is ranked lower than
69% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. ATLO: 1.06 )
Ranked among companies with meaningful Price/Graham Number only.
ATLO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.74  Med: 1.08 Max: 2.06
Current: 1.06
0.74
2.06
Earnings Yield (Greenblatt) (%) 9.08
ATLO's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. ATLO: 9.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ATLO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 8.9 Max: 16.6
Current: 9.08
1.9
16.6
Forward Rate of Return (Yacktman) (%) 10.38
ATLO's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.00 vs. ATLO: 10.38 )
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: -13.9  Med: 13.75 Max: 39.3
Current: 10.38
-13.9
39.3

More Statistics

Revenue (TTM) (Mil) $47.68
EPS (TTM) $ 1.71
Beta0.79
Short Percentage of Float1.95%
52-Week Range $22.10 - 28.86
Shares Outstanding (Mil)9.31
» 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 Financials Aug 19 2016
Title: Ames National Corportion Declares Cash Dividend (8/12/16) Aug 12 2016
AMES NATIONAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 12 2016
AMES NATIONAL CORP Files SEC form 10-Q, Quarterly Report Aug 09 2016
Title: Bank Performance Scorecard Released: Ames National Corporation Ranks in the Top 20 (7/26/16) Jul 26 2016
Ames National Corp. :ATLO-US: Earnings Analysis: Q2, 2016 By the Numbers : July 21, 2016 Jul 21 2016
Title: Ames National Corporation Announces 2016 Q2 Earnings (7/15/16) Jul 15 2016
AMES NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 15 2016
ETF’s with exposure to Ames National Corp. : July 1, 2016 Jul 01 2016
Ames National Corp. :ATLO-US: Earnings Analysis: Q1, 2016 By the Numbers : June 24, 2016 Jun 24 2016
Title: Ames National Corporation Ranks in the Top 200 Publicly Traded Banks (4/26/16) May 13 2016
Title: Ames National Corportion Declares Cash Dividend (5/11/16) May 13 2016
AMES NATIONAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 12 2016
AMES NATIONAL CORP Files SEC form 10-Q, Quarterly Report May 06 2016
Title: Ames National Corporation Holds Annual Meeting (4/29/16) Apr 29 2016
AMES NATIONAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 29 2016
Ames National Corp. :ATLO-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 21 2016
Title: Ames National Corporation Announces 2016 Q1 Earnings Apr 15 2016
AMES NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 15 2016
Title: Ames National Corporation Ranks among the Top 100 Best-Performing Banking in the Country... Mar 23 2016

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