Ames NationalATLO +0.20%59 FCF Margin % is 43.68% as of Mar. 2026, which is 18% above its 10-year median of 36.91. 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 1,504 Banks companies, Ames National ranks better than 58.58% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Ames National's Free Cash Flow for the
three
months ended in Mar. 2026 was $7.96 Mil. Ames National's Revenue for the
three
months ended in Mar. 2026 was $18.22 Mil. Therefore, Ames National's FCF Margin % for the quarter that ended in Mar. 2026 was 43.68%.
The historical rank and industry rank for Ames National's FCF Margin % or its related term are showing as below:
ATLO'
s FCF Margin % Range Over the Past 10 Years
Min: 25.54 Med: 36.91 Max: 43.48
Current: 31.23
During the past 13 years, the highest FCF Margin % of Ames National was 43.48%. The lowest was 25.54%. And the median was 36.91%.
ATLO's FCF Margin % is ranked better than 58.58% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs ATLO: 31.23
Ames National FCF Margin % Related Terms
Ames National FCF Margin % Historical Data
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The historical data trend for Ames National's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ames National's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Ames National's FCF Margin % 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 FCF Margin % of 43.68% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Ames National and its competitors. This is 18% above median its historical median of 36.91. Over the past decade, Ames National's FCF Margin % has ranged from 25.54 to 43.48. According to the industry distribution chart, Ames National ranks #623 out of 1504 companies in the Banks industry, placing it in the top 41.4%.
Is Ames National's FCF Margin % too high?
Ames National's current FCF Margin % of 43.68% is 18% above median its 10-year median of 36.91. Over the past 10 years, this metric has ranged from a low of 25.54 to a high of 43.48. The Banks industry median FCF Margin % is 26.50. Ames National's value of 43.68% is 64.8% above this industry median. Based on the distribution chart, Ames National ranks #623 out of 1504 companies in the Banks industry, which is above 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 FCF Margin % compare to FUNC and HWBK?
According to the Banks industry distribution chart, Ames National ranks #623 out of 1504 companies for FCF Margin %. This puts Ames National in the upper half of its industry. The industry median FCF Margin % is 26.50. Ames National's value of 43.68% is 64.8% above this benchmark. Historically, Ames National's own FCF Margin % has ranged from 25.54 to 43.48 over the past decade. While the company's 10-year median is 36.91 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ames National's current FCF Margin % of 43.68% is 64.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Ames National and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ames National's current FCF Margin % is 43.68%, which is 18% above median its own 10-year median of 36.91. 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 $30.73 — trading 27.5% above its estimated fair value. The current FCF Margin % is 43.68%, which is 18% above median its 10-year median of 36.91 and 64.8% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Ames National (ATLO), the current FCF Margin % is 43.68% 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 $30.73 is trading 27.5% above its estimated GF Value™ of $24.11.
GuruFocus considers Ames National to be Modestly Overvalued.
Key valuation signals for ATLO:
FCF Margin %: 43.68% (18% above median its 10-year median of 36.91)
GF Value™: $24.11 vs. price of $30.73 (27.5% above fair value)
Industry Position: 64.8% above the Banks median (#623 of 1504)
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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