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Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Ames National's accounts receivables for the quarter that ended in Mar. 2026 was $13.10 Mil.
Accounts receivable can be measured by Days Sales Outstanding.
Ames National's Days Sales Outstanding for the quarter that ended in Mar. 2026 was 65.61.
In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Ames National's Net-Net Working Capital per share for the quarter that ended in Mar. 2026 was $-125.63.
1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.
Ames National's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:
2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Ames National's accounts receivable are only considered to be worth 75% of book value:
Ames National's Net-Net Working Capital Per Share for the quarter that ended in Mar. 2026 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.
If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.
Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.
Ames National Accounts Receivable Related Terms
Ames National Accounts Receivable Historical Data
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The historical data trend for Ames National's Accounts Receivable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Accounts Receivable of $13.10 Mil mean?
Ames National (ATLO) has a Accounts Receivable of $13.10 Mil as of Mar. 2026. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Ames National and its competitors.
Is Ames National's Accounts Receivable too high?
Ames National's current Accounts Receivable is $13.10 Mil. Overall, Ames National has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ames National's Accounts Receivable compare to HWBK and ISBA?
Ames National's Accounts Receivable of $13.10 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Ames National and its competitors. Ames National's current Accounts Receivable is $13.10 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ames National stock overvalued right now?
Based on GuruFocus' analysis, Ames National (ATLO) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.15, compared to a current price of $31.32 — trading 29.7% above its estimated fair value. The current Accounts Receivable is $13.10 Mil. Ames National's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Ames National (ATLO), the current Accounts Receivable is $13.10 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ames National (ATLO) Overvalued in 2026?
Based on GuruFocus' analysis, Ames National stock appears to be overvalued.
The current stock price of $31.32 is trading 29.7% above its estimated GF Value™ of $24.15.
GuruFocus considers Ames National to be Modestly Overvalued.
Key valuation signals for ATLO:
Accounts Receivable: $13.10 Mil
GF Value™: $24.15 vs. price of $31.32 (29.7% above fair value)
No single metric tells the full story. See the ATLO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ames National Corporation is a bank holding company based in the United States. Through its subsidiaries, it provides a range of banking and other financial products and services to customers in Iowa, mainly in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union in central, north-central, and south-central Iowa. The Group offers several financial products and services, including checking and savings accounts, time deposits, commercial, construction, and agricultural loans, personal loans, lines of credit, cash management services, merchant credit card processing, safe deposit boxes, and ATM services, among others. It caters to the banking needs of a diverse range of customers, including individuals, businesses, professionals, and enterprises.
59GF Score
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Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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