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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 1.52
ATLO's Cash to Debt is ranked higher than
52% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. ATLO: 1.52 )
Ranked among companies with meaningful Cash to Debt only.
ATLO' s 10-Year Cash to Debt Range
Min: 0.72  Med: 2.31 Max: No Debt
Current: 1.52
Equity to Asset 0.12
ATLO's Equity to Asset is ranked higher than
69% of the 1355 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 10-Year Equity to Asset Range
Min: 0.11  Med: 0.13 Max: 0.16
Current: 0.12
0.11
0.16
Interest Coverage 4.59
ATLO's Interest Coverage is ranked higher than
78% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. ATLO: 4.59 )
Ranked among companies with meaningful Interest Coverage only.
ATLO' s 10-Year Interest Coverage Range
Min: 0.44  Med: 1.45 Max: 4.59
Current: 4.59
0.44
4.59
F-Score: 5
WACC vs ROIC
7.25%
10.89%
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 (%) 40.41
ATLO's Operating margin (%) is ranked higher than
73% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. ATLO: 40.41 )
Ranked among companies with meaningful Operating margin (%) only.
ATLO' s 10-Year Operating margin (%) Range
Min: -143.4  Med: 47.92 Max: 54.88
Current: 40.41
-143.4
54.88
Net-margin (%) 29.71
ATLO's Net-margin (%) is ranked higher than
72% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. ATLO: 29.71 )
Ranked among companies with meaningful Net-margin (%) only.
ATLO' s 10-Year Net-margin (%) Range
Min: 16.65  Med: 36.77 Max: 198.67
Current: 29.71
16.65
198.67
ROE (%) 8.93
ATLO's ROE (%) is ranked higher than
53% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. ATLO: 8.93 )
Ranked among companies with meaningful ROE (%) only.
ATLO' s 10-Year ROE (%) Range
Min: 5.94  Med: 10.42 Max: 11.73
Current: 8.93
5.94
11.73
ROA (%) 1.07
ATLO's ROA (%) is ranked higher than
65% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. ATLO: 1.07 )
Ranked among companies with meaningful ROA (%) only.
ATLO' s 10-Year ROA (%) Range
Min: 0.74  Med: 1.35 Max: 1.75
Current: 1.07
0.74
1.75
Revenue Growth (3Y)(%) 6.70
ATLO's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. ATLO: 6.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ATLO' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2  Med: 4.70 Max: 89.6
Current: 6.7
-2
89.6
EBITDA Growth (3Y)(%) -2.80
ATLO's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. ATLO: -2.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ATLO' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -20.9  Med: -2.40 Max: 43.1
Current: -2.8
-20.9
43.1
EPS Growth (3Y)(%) 3.50
ATLO's EPS Growth (3Y)(%) is ranked lower than
66% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. ATLO: 3.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ATLO' s 10-Year EPS Growth (3Y)(%) Range
Min: -18.3  Med: 3.30 Max: 30.2
Current: 3.5
-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 2014

ATLO Guru Trades in Q3 2014

Chuck Royce 810,148 sh (+13.41%)
» More
Q4 2014

ATLO Guru Trades in Q4 2014

Jim Simons 12,000 sh (New)
Chuck Royce 799,148 sh (-1.36%)
Chuck Royce 799,148 sh (-1.36%)
» More
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
» 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) 15.31
ATLO's P/E(ttm) is ranked lower than
66% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. ATLO: 15.31 )
Ranked among companies with meaningful P/E(ttm) only.
ATLO' s 10-Year P/E(ttm) Range
Min: 10.6  Med: 16.67 Max: 40.37
Current: 15.31
10.6
40.37
Forward P/E 13.18
ATLO's Forward P/E is ranked lower than
64% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. ATLO: 13.18 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.80
ATLO's PE(NRI) is ranked lower than
65% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. ATLO: 15.80 )
Ranked among companies with meaningful PE(NRI) only.
ATLO' s 10-Year PE(NRI) Range
Min: 10.6  Med: 16.67 Max: 40.61
Current: 15.8
10.6
40.61
P/B 1.35
ATLO's P/B is ranked lower than
75% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. ATLO: 1.35 )
Ranked among companies with meaningful P/B only.
ATLO' s 10-Year P/B Range
Min: 1.05  Med: 1.59 Max: 3.48
Current: 1.35
1.05
3.48
P/S 4.53
ATLO's P/S is ranked lower than
80% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. ATLO: 4.53 )
Ranked among companies with meaningful P/S only.
ATLO' s 10-Year P/S Range
Min: 3.79  Med: 5.44 Max: 12
Current: 4.53
3.79
12
PFCF 21.46
ATLO's PFCF is ranked lower than
83% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. ATLO: 21.46 )
Ranked among companies with meaningful PFCF only.
ATLO' s 10-Year PFCF Range
Min: 6.64  Med: 14.09 Max: 45.92
Current: 21.46
6.64
45.92
POCF 10.46
ATLO's POCF is ranked lower than
60% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. ATLO: 10.46 )
Ranked among companies with meaningful POCF only.
ATLO' s 10-Year POCF Range
Min: 6.43  Med: 11.55 Max: 26.67
Current: 10.46
6.43
26.67
EV-to-EBIT 10.17
ATLO's EV-to-EBIT is ranked higher than
65% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. ATLO: 10.17 )
Ranked among companies with meaningful EV-to-EBIT only.
ATLO' s 10-Year EV-to-EBIT Range
Min: 6  Med: 12.00 Max: 37.8
Current: 10.17
6
37.8
PEG 2.32
ATLO's PEG is ranked lower than
78% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. ATLO: 2.32 )
Ranked among companies with meaningful PEG only.
ATLO' s 10-Year PEG Range
Min: 0.49  Med: 1.07 Max: 10.42
Current: 2.32
0.49
10.42
Shiller P/E 15.00
ATLO's Shiller P/E is ranked higher than
52% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. ATLO: 15.00 )
Ranked among companies with meaningful Shiller P/E only.
ATLO' s 10-Year Shiller P/E Range
Min: 11.96  Med: 15.99 Max: 21.6
Current: 15
11.96
21.6
Days Sales Outstanding 58.13
ATLO's Days Sales Outstanding is ranked lower than
66% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. ATLO: 58.13 )
Ranked among companies with meaningful Days Sales Outstanding only.
ATLO' s 10-Year Days Sales Outstanding Range
Min: 58.56  Med: 67.89 Max: 558.31
Current: 58.13
58.56
558.31

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.35
ATLO's Dividend Yield is ranked higher than
59% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. ATLO: 3.35 )
Ranked among companies with meaningful Dividend Yield only.
ATLO' s 10-Year Dividend Yield Range
Min: 1.79  Med: 2.91 Max: 7.13
Current: 3.35
1.79
7.13
Dividend Payout 0.50
ATLO's Dividend Payout is ranked lower than
73% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ATLO: 0.50 )
Ranked among companies with meaningful Dividend Payout only.
ATLO' s 10-Year Dividend Payout Range
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
63% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ATLO: 11.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
ATLO' s 10-Year Dividend growth (3y) Range
Min: -26.2  Med: 9.30 Max: 28.2
Current: 11.9
-26.2
28.2
Yield on cost (5-Year) 4.61
ATLO's Yield on cost (5-Year) is ranked higher than
65% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. ATLO: 4.61 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ATLO' s 10-Year Yield on cost (5-Year) Range
Min: 2.46  Med: 4.01 Max: 9.81
Current: 4.61
2.46
9.81
Share Buyback Rate 0.30
ATLO's Share Buyback Rate is ranked higher than
82% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. ATLO: 0.30 )
Ranked among companies with meaningful Share Buyback Rate only.
ATLO' s 10-Year Share Buyback Rate Range
Min: 0.4  Med: -0.05 Max: -0.2
Current: 0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.43
ATLO's Price/Tangible Book is ranked lower than
70% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. ATLO: 1.43 )
Ranked among companies with meaningful Price/Tangible Book only.
ATLO' s 10-Year Price/Tangible Book Range
Min: 1.1  Med: 1.62 Max: 3.14
Current: 1.43
1.1
3.14
Price/Projected FCF 0.74
ATLO's Price/Projected FCF is ranked lower than
62% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. ATLO: 0.74 )
Ranked among companies with meaningful Price/Projected FCF only.
ATLO' s 10-Year Price/Projected FCF Range
Min: 0.63  Med: 0.82 Max: 1.21
Current: 0.74
0.63
1.21
Price/Median PS Value 0.84
ATLO's Price/Median PS Value is ranked higher than
77% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. ATLO: 0.84 )
Ranked among companies with meaningful Price/Median PS Value only.
ATLO' s 10-Year Price/Median PS Value Range
Min: 0.73  Med: 1.03 Max: 1.99
Current: 0.84
0.73
1.99
Price/Graham Number 0.98
ATLO's Price/Graham Number is ranked lower than
68% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. ATLO: 0.98 )
Ranked among companies with meaningful Price/Graham Number only.
ATLO' s 10-Year Price/Graham Number Range
Min: 0.73  Med: 1.09 Max: 2.05
Current: 0.98
0.73
2.05
Earnings Yield (Greenblatt) (%) 9.77
ATLO's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. ATLO: 9.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ATLO' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.6  Med: 8.40 Max: 16.6
Current: 9.77
2.6
16.6
Forward Rate of Return (Yacktman) (%) 7.50
ATLO's Forward Rate of Return (Yacktman) (%) is ranked lower than
65% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. ATLO: 7.50 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ATLO' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -9.5  Med: 8.80 Max: 35.4
Current: 7.5
-9.5
35.4

Analyst Estimate

Dec15
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 Q2, 2015 Aug 28 2015
AMES NATIONAL CORP Financials Aug 18 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
10-Q for Ames National Corp. Aug 08 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
AMES NATIONAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Other Events,... Feb 12 2015
AMES NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jan 23 2015
AMES NATIONAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 13 2014
AMES NATIONAL CORP Files SEC form 10-Q, Quarterly Report Nov 07 2014
AMES NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Oct 17 2014
AMES NATIONAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 15 2014

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