NAS:ATLO (USA)

Ames National Corp

$ 26.76 0.4 (1.52%)
Volume: 3,760 Avg Vol (1m): 6,931
Market Cap $: 247.31 Mil Enterprise Value $: -289,120,000.00
P/E (TTM): 14.45 P/B: 1.40
Earnings Power Value 57.09
Net Current Asset Value 0
Tangible Book 17.88
Projected FCF 36.47
Median P/S Value 27.82
Graham Number 27.28
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 41.44
Cash-To-Debt ranked higher than
66.85% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
ATLO: 41.44
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.72, Med: 2.3, Max: 10000
Current: 41.44
0.72
10000
Equity-to-Asset 0.12
Equity-to-Asset ranked higher than
66.69% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
ATLO: 0.12
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.11, Med: 0.12, Max: 0.16
Current: 0.12
0.11
0.16
Debt-to-Equity 0.01
Debt-to-Equity ranked higher than
96.05% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
ATLO: 0.01
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.01, Med: 0.24, Max: 0.43
Current: 0.01
0.01
0.43
Debt-to-EBITDA 0.04
Debt-to-EBITDA ranked higher than
89.97% of 1416 companies
in the Banks - Regional - US industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
ATLO: 0.04
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 0.04
Current: 0.04
0
0.04
Beneish M-Score -2.42
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 7.33%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 33.77
Net Margin ranked higher than
76.27% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
ATLO: 33.77
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 25.28, Med: 33.68, Max: 36.77
Current: 33.77
25.28
36.77
ROE % 10.08
ROE ranked higher than
52.81% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
ATLO: 10.08
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 8.16, Med: 9.82, Max: 11.1
Current: 10.08
8.16
11.1
ROA % 1.21
ROA ranked higher than
61.70% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
ATLO: 1.21
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 1, Med: 1.19, Max: 1.39
Current: 1.21
1
1.39
3-Year Total Revenue Growth Rate 1.90
3-Year Revenue Growth Rate ranked lower than
63.78% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
ATLO: 1.9
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -2, Med: 4.7, Max: 89.6
Current: 1.9
-2
89.6
3-Year EPS w/o NRI Growth Rate 4.40
3-Year EPS w/o NRI Growth Rate ranked lower than
74.98% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
ATLO: 4.4
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -26.9, Med: 3.3, Max: 38.5
Current: 4.4
-26.9
38.5

» ATLO's 30-Y Financials

Financials (Next Earnings Date: 2019-08-07)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6021
Compare NAS:WNEB NAS:RBNC NAS:NKSH OTCPK:CSHX OTCPK:WBHC OTCPK:MCBS NAS:FVCB NAS:ORRF NAS:BCML OTCPK:ALRS NAS:PDLB NAS:ISTR NAS:CSTR NAS:NRIM NAS:PFBI NAS:SFST NAS:ACNB NAS:HBMD NAS:CHMG NAS:PVBC
Traded in other countries
Address 405 5th Street, Box 846, Ames, IA, USA, 50010
Ames National Corporation is a bank holding company providing savings accounts, demand deposits, money market accounts and loans comprising real estate, residential, equipment and personal and other services. Ames provides management assistance, internal auditing services, human resources services and administration, compliance management, marketing assistance and coordination, loan review and support with respect to computer systems and related procedures to banks. The main sources of the company's income are interest and fees earned on loans; interest on fixed income investments held by the company and the banks; fees on wealth management services; service charges on deposit accounts maintained at the banks; merchant and card fees, gain on the sale of loans and security gains.

Ratios

Current vs industry vs history
PE Ratio (TTM) 14.45
PE Ratio ranked lower than
63.78% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
ATLO: 14.45
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 10.6, Med: 15.63, Max: 40.61
Current: 14.45
10.6
40.61
PE Ratio without NRI 14.45
PE without NRI ranked lower than
63.32% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
ATLO: 14.45
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 10.6, Med: 15.63, Max: 40.61
Current: 14.45
10.6
40.61
Price-to-Owner-Earnings 14.17
Price-to-Owner-Earnings ranked lower than
59.25% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
ATLO: 14.17
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 7.91, Med: 14.81, Max: 201.56
Current: 14.17
7.91
201.56
PB Ratio 1.40
PB Ratio ranked lower than
69.41% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
ATLO: 1.4
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 1.05, Med: 1.48, Max: 2.54
Current: 1.4
1.05
2.54
PS Ratio 4.88
PS Ratio ranked lower than
81.87% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
ATLO: 4.88
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 3.79, Med: 5.08, Max: 9.78
Current: 4.88
3.79
9.78
Price-to-Free-Cash-Flow 12.42
Price-to-Free-Cash-Flow ranked lower than
57.37% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
ATLO: 12.42
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 6.64, Med: 11.88, Max: 27.16
Current: 12.42
6.64
27.16
Price-to-Operating-Cash-Flow 12.04
Price-to-Operating-Cash-Flow ranked lower than
63.19% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
ATLO: 12.04
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 6.43, Med: 11.62, Max: 26.76
Current: 12.04
6.43
26.76
EV-to-Revenue -5.67
EV-to-Revenue ranked lower than
51.09% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
ATLO: -5.67
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -6, Med: 4.4, Max: 10
Current: -5.67
-6
10
Shiller PE Ratio 16.16
Shiller PE Ratio ranked higher than
55.36% of 672 companies
in the Banks - Regional - US industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
ATLO: 16.16
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 12.06, Med: 17.35, Max: 23.65
Current: 16.16
12.06
23.65

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 3.46
Trailing Dividend Yield ranked higher than
61.04% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
ATLO: 3.46
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1.91, Med: 2.91, Max: 7.13
Current: 3.46
1.91
7.13
Dividend Payout Ratio 0.49
Dividend Payout Ratio ranked lower than
75.28% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
ATLO: 0.49
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.31, Med: 0.46, Max: 0.61
Current: 0.49
0.31
0.61
3-Year Dividend Growth Rate (Per Share) 5.30
3-Year Dividend Growth Rate ranked higher than
56.70% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
ATLO: 5.3
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: -26.2, Med: 7.1, Max: 28.2
Current: 5.3
-26.2
28.2
Forward Dividend Yield % 3.64
Forward Dividend Yield ranked higher than
57.38% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
ATLO: 3.64
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 4.99
Yield-on-Cost (5y) ranked higher than
67.98% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
ATLO: 4.99
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 2.75, Med: 4.2, Max: 10.28
Current: 4.99
2.75
10.28
3-Year Share Buyback Rate 0.10
3-Year Share Buyback Rate ranked lower than
100.00% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
ATLO: 0.1
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -0.1, Med: 0, Max: 0.4
Current: 0.1
-0.1
0.4

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.50
Price-to-Tangible-Book ranked lower than
66.21% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
ATLO: 1.5
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 1.1, Med: 1.62, Max: 3.14
Current: 1.5
1.1
3.14
Price-to-Projected-FCF 0.73
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
56.26% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
ATLO: 0.73
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.66, Med: 0.83, Max: 1.41
Current: 0.73
0.66
1.41
Price-to-Median-PS-Value 0.96
Price-to-Median-PS-Value ranked higher than
60.83% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
ATLO: 0.96
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.78, Med: 1.1, Max: 13.2
Current: 0.96
0.78
13.2
Price-to-Graham-Number 0.98
Price-to-Graham-Number ranked lower than
63.96% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
ATLO: 0.98
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.74, Med: 1.09, Max: 3.41
Current: 0.98
0.74
3.41

More Statistics

Revenue (TTM) (Mil) $ 50.97
EPS (TTM) $ 1.85
Beta 0.6
Volatility % 19.7
52-Week Range $ 24.47 - 32.15
Shares Outstanding (Mil) 9.24

Analyst Estimate

Piotroski F-Score Details