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Ames NationalATLO -0.96%59 Cash-to-Debt is 0.40 as of Jun. 2026, which is 93% below its 10-year median of 5.52. GuruFocus rates ATLO with a GF Score™ of 59/100 and a GF Value™ of $25.60 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,492 Banks companies, Ames National ranks better than 80.43% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Ames National's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.40.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Ames Nationalcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Ames National's Cash-to-Debt or its related term are showing as below:
ATLO'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.58 Med: 5.52 Max: No Debt
Current: 6.83
During the past 13 years, Ames National's highest Cash to Debt Ratio was No Debt. The lowest was 0.58. And the median was 5.52.
ATLO's Cash-to-Debt is ranked better than 80.43% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs ATLO: 6.83
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Ames National Cash-to-Debt Related Terms
Ames National Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Ames National's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Ames National's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ames National Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Ames National's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Ames National's Cash-to-Debt falls into.
* 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.
Ames National (ATLO) has a Cash-to-Debt of 0.40 as of Jun. 2026. This is 93% below median its historical median of 5.52. Over the past decade, Ames National's Cash-to-Debt has ranged from 0.58 to 10,000.00. According to the industry distribution chart, Ames National ranks #292 out of 1492 companies in the Banks industry, placing it in the top 19.6%.
Is Ames National's Cash-to-Debt too high?
Ames National's current Cash-to-Debt of 0.40 is 93% below median its 10-year median of 5.52. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.37. Ames National's value of 0.40 is 70.8% below this industry median. Based on the distribution chart, Ames National ranks #292 out of 1492 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Cash-to-Debt compare to QNBC and FNRN?
According to the Banks industry distribution chart, Ames National ranks #292 out of 1492 companies for Cash-to-Debt. This places Ames National in the top 20% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.37. Ames National's value of 0.40 is 70.8% below this benchmark. Historically, Ames National's own Cash-to-Debt has ranged from 0.58 to 10,000.00 over the past decade. While the company's 10-year median is 5.52 vs. the industry median of 1.37, Ames National has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ames National's current Cash-to-Debt of 0.40 is 70.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ames National's current Cash-to-Debt is 0.40, which is 93% below median its own 10-year median of 5.52. 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 $25.60, compared to a current price of $32.46 — trading 26.8% above its estimated fair value. The current Cash-to-Debt is 0.40, which is 93% below median its 10-year median of 5.52 and 70.8% below the Banks industry median of 1.37. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Ames National (ATLO), the current Cash-to-Debt is 0.40 as of Jun. 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 $32.46 is trading 26.8% above its estimated GF Value™ of $25.60.
GuruFocus considers Ames National to be Modestly Overvalued.
Key valuation signals for ATLO:
Cash-to-Debt: 0.40 (93% below median its 10-year median of 5.52)
GF Value™: $25.60 vs. price of $32.46 (26.8% above fair value)
Industry Position: 70.8% below the Banks median (#292 of 1492)
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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