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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.45
ATLO's Cash to Debt is ranked higher than
77% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ATLO: 1.45 )
ATLO' s 10-Year Cash to Debt Range
Min: 0.72   Max: No Debt
Current: 1.45

Equity to Asset 0.12
ATLO's Equity to Asset is ranked higher than
84% of the 1742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. ATLO: 0.12 )
ATLO' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.16
Current: 0.12

0.11
0.16
Interest Coverage 3.67
ATLO's Interest Coverage is ranked higher than
86% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. ATLO: 3.67 )
ATLO' s 10-Year Interest Coverage Range
Min: 0.44   Max: 3.67
Current: 3.67

0.44
3.67
F-Score: 7
Z-Score: 0.35
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 : 8/10

vs
industry
vs
history
Operating margin (%) 48.68
ATLO's Operating margin (%) is ranked higher than
93% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.47 vs. ATLO: 48.68 )
ATLO' s 10-Year Operating margin (%) Range
Min: -143.4   Max: 54.88
Current: 48.68

-143.4
54.88
Net-margin (%) 35.69
ATLO's Net-margin (%) is ranked higher than
91% of the 1769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. ATLO: 35.69 )
ATLO' s 10-Year Net-margin (%) Range
Min: 24.33   Max: 198.67
Current: 35.69

24.33
198.67
ROE (%) 10.75
ATLO's ROE (%) is ranked higher than
85% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. ATLO: 10.75 )
ATLO' s 10-Year ROE (%) Range
Min: 5.94   Max: 11.73
Current: 10.75

5.94
11.73
ROA (%) 1.26
ATLO's ROA (%) is ranked higher than
90% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. ATLO: 1.26 )
ATLO' s 10-Year ROA (%) Range
Min: 0.74   Max: 1.75
Current: 1.26

0.74
1.75
ROC (Joel Greenblatt) (%) 180.31
ATLO's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 1745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.56 vs. ATLO: 180.31 )
ATLO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 55.33   Max: 422.77
Current: 180.31

55.33
422.77
Revenue Growth (%) 4.60
ATLO's Revenue Growth (%) is ranked higher than
85% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ATLO: 4.60 )
ATLO' s 10-Year Revenue Growth (%) Range
Min: -5.5   Max: 89.6
Current: 4.6

-5.5
89.6
EBITDA Growth (%) -2.40
ATLO's EBITDA Growth (%) is ranked higher than
63% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. ATLO: -2.40 )
ATLO' s 10-Year EBITDA Growth (%) Range
Min: -20.9   Max: 43.1
Current: -2.4

-20.9
43.1
EPS Growth (%) 3.10
ATLO's EPS Growth (%) is ranked higher than
68% of the 1361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. ATLO: 3.10 )
ATLO' s 10-Year EPS Growth (%) Range
Min: -18.3   Max: 30.2
Current: 3.1

-18.3
30.2
» ATLO's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

ATLO Guru Trades in Q3 2013

Chuck Royce 470,669 sh (-0.85%)
Jim Simons 11,782 sh (-9.08%)
» More
Q4 2013

ATLO Guru Trades in Q4 2013

Chuck Royce 480,891 sh (+2.17%)
Jim Simons Sold Out
» More
Q1 2014

ATLO Guru Trades in Q1 2014

Chuck Royce 542,530 sh (+12.82%)
» More
Q2 2014

ATLO Guru Trades in Q2 2014

Chuck Royce 714,343 sh (+31.67%)
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.90
ATLO's P/E(ttm) is ranked higher than
74% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. ATLO: 13.90 )
ATLO' s 10-Year P/E(ttm) Range
Min: 10.6   Max: 40.37
Current: 13.9

10.6
40.37
P/B 1.40
ATLO's P/B is ranked higher than
60% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. ATLO: 1.40 )
ATLO' s 10-Year P/B Range
Min: 1.05   Max: 3.48
Current: 1.4

1.05
3.48
P/S 5.00
ATLO's P/S is ranked higher than
54% of the 1715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. ATLO: 5.00 )
ATLO' s 10-Year P/S Range
Min: 3.79   Max: 48.71
Current: 5

3.79
48.71
PFCF 10.40
ATLO's PFCF is ranked higher than
65% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.72 vs. ATLO: 10.40 )
ATLO' s 10-Year PFCF Range
Min: 6.64   Max: 27.55
Current: 10.4

6.64
27.55
EV-to-EBIT 8.55
ATLO's EV-to-EBIT is ranked higher than
88% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. ATLO: 8.55 )
ATLO' s 10-Year EV-to-EBIT Range
Min: 6   Max: 88.1
Current: 8.55

6
88.1
PEG 1.70
ATLO's PEG is ranked higher than
65% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. ATLO: 1.70 )
ATLO' s 10-Year PEG Range
Min: 0.45   Max: 3.8
Current: 1.7

0.45
3.8
Shiller P/E 16.00
ATLO's Shiller P/E is ranked higher than
78% of the 1097 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.30 vs. ATLO: 16.00 )
ATLO' s 10-Year Shiller P/E Range
Min: 12.06   Max: 21.6
Current: 16

12.06
21.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.90
ATLO's Dividend Yield is ranked higher than
64% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. ATLO: 2.90 )
ATLO' s 10-Year Dividend Yield Range
Min: 1.79   Max: 7.13
Current: 2.9

1.79
7.13
Dividend Payout 0.40
ATLO's Dividend Payout is ranked higher than
54% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. ATLO: 0.40 )
ATLO' s 10-Year Dividend Payout Range
Min: 0.29   Max: 1.71
Current: 0.4

0.29
1.71
Dividend growth (3y) 13.60
ATLO's Dividend growth (3y) is ranked higher than
86% of the 1032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. ATLO: 13.60 )
ATLO' s 10-Year Dividend growth (3y) Range
Min: -26.2   Max: 28.2
Current: 13.6

-26.2
28.2
Yield on cost (5-Year) 3.67
ATLO's Yield on cost (5-Year) is ranked higher than
65% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. ATLO: 3.67 )
ATLO' s 10-Year Yield on cost (5-Year) Range
Min: 2.26   Max: 9.01
Current: 3.67

2.26
9.01
Share Buyback Rate 0.40
ATLO's Share Buyback Rate is ranked higher than
90% of the 1299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. ATLO: 0.40 )
ATLO' s 10-Year Share Buyback Rate Range
Min: 0.4   Max: -0.2
Current: 0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.47
ATLO's Price/Tangible Book is ranked higher than
62% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. ATLO: 1.47 )
ATLO' s 10-Year Price/Tangible Book Range
Min: 1.1   Max: 3.14
Current: 1.47

1.1
3.14
Price/DCF (Projected) 0.67
ATLO's Price/DCF (Projected) is ranked higher than
68% of the 1179 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 vs. ATLO: 0.67 )
ATLO' s 10-Year Price/DCF (Projected) Range
Min: 0.62   Max: 1.18
Current: 0.67

0.62
1.18
Price/Median PS Value 0.85
ATLO's Price/Median PS Value is ranked higher than
91% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ATLO: 0.85 )
ATLO' s 10-Year Price/Median PS Value Range
Min: 0.68   Max: 7.47
Current: 0.85

0.68
7.47
Price/Peter Lynch Fair Value 1.69
ATLO's Price/Peter Lynch Fair Value is ranked higher than
60% of the 594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. ATLO: 1.69 )
ATLO' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53   Max: 6.91
Current: 1.69

0.53
6.91
Price/Graham Number 0.96
ATLO's Price/Graham Number is ranked higher than
69% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. ATLO: 0.96 )
ATLO' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 2.05
Current: 0.96

0.73
2.05
Earnings Yield (Greenblatt) 11.70
ATLO's Earnings Yield (Greenblatt) is ranked higher than
88% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. ATLO: 11.70 )
ATLO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 16.6
Current: 11.7

1.1
16.6
Forward Rate of Return (Yacktman) 13.94
ATLO's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.45 vs. ATLO: 13.94 )
ATLO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.8   Max: 33.6
Current: 13.94

-5.8
33.6

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 main 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 

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