Ames NationalATLO +0.02%59 EV-to-FCF is 7.48 as of Jun. 26, 2026, which is 12% below its 10-year median of 8.48. GuruFocus rates ATLO with a GF Score™ of 59/100 and a GF Value™ of $24.11 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,195 Banks companies, Ames National ranks worse than 53.47% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Ames National's Enterprise Value is $162.55 Mil.
Ames National's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $21.73 Mil. Therefore, Ames National's EV-to-FCF for today is 7.48.
The historical rank and industry rank for Ames National's EV-to-FCF or its related term are showing as below:
ATLO'
s EV-to-FCF Range Over the Past 10 Years
Min: -0.89 Med: 8.48 Max: 18.3
Current: 7.48
During the past 13 years, the highest EV-to-FCF of Ames National was 18.30. The lowest was -0.89. And the median was 8.48.
ATLO's EV-to-FCF is ranked worse than 53.47% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs ATLO: 7.48
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Ames National's PE Ratio (TTM) for today is calculated as:
Ames National's share price for today is $30.25.
Ames National's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.420.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Ames National EV-to-FCF Related Terms
Ames National EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Ames National's EV-to-FCF 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.
For the Banks - Regional subindustry, Ames National's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Ames National's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Ames National's EV-to-FCF falls into.
Ames National's current Enterprise Value is $162.55 Mil.
Ames National's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $21.73 Mil.
* 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 EV-to-FCF of 7.48 as of Jun. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ames National and its competitors. This is 12% below median its historical median of 8.48. According to the industry distribution chart, Ames National ranks #639 out of 1195 companies in the Banks industry, placing it in the top 53.5%.
Is Ames National's EV-to-FCF too high?
Ames National's current EV-to-FCF of 7.48 is 12% below median its 10-year median of 8.48. The Banks industry median EV-to-FCF is 6.52. Ames National's value of 7.48 is 14.7% above this industry median. Based on the distribution chart, Ames National ranks #639 out of 1195 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to FUNC and HWBK?
According to the Banks industry distribution chart, Ames National ranks #639 out of 1195 companies for EV-to-FCF. This places Ames National in the lower half of its industry. The industry median EV-to-FCF is 6.52. Ames National's value of 7.48 is 14.7% above this benchmark. While the company's 10-year median is 8.48 vs. the industry median of 6.52, Ames National has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ames National's current EV-to-FCF of 7.48 is 14.7% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ames National and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ames National's current EV-to-FCF is 7.48, which is 12% below median its own 10-year median of 8.48. 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 $24.11, compared to a current price of $30.25 — trading 25.5% above its estimated fair value. The current EV-to-FCF is 7.48, which is 12% below median its 10-year median of 8.48 and 14.7% above the Banks industry median of 6.52. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Ames National (ATLO), the current EV-to-FCF is 7.48 as of Jun. 26, 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 $30.25 is trading 25.5% above its estimated GF Value™ of $24.11.
GuruFocus considers Ames National to be Modestly Overvalued.
Key valuation signals for ATLO:
EV-to-FCF: 7.48 (12% below median its 10-year median of 8.48)
GF Value™: $24.11 vs. price of $30.25 (25.5% above fair value)
Industry Position: 14.7% above the Banks median (#639 of 1195)
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.
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