ATLO (Ames National) Moat Score: 3/10 (As of Jun. 27, 2026)


ATLO Ames National Corp ATLO
59 GF Score
Price $30.50
GF Value $24.11
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Ames National Moat Score?

Ames National ATLO +1.24% 59 Moat Score is 3 as of Jun. 27, 2026. 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 1,610 Banks companies, Ames National ranks better than 74.41% on this metric.

Ames National has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Ames National has No Moat: Ames National Corp has limited competitive advantages with no significant market leadership or customer switching costs. Its moat is very weak and transient.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Ames National might have No Moat - Very weak/transient advantages.

Ames National  (NAS:ATLO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Ames National Moat Score Related Terms

ATLO vs FUNC, HWBK, FXNC: Moat Score Comparison

For the Banks - Regional subindustry, Ames National's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Ames National's Moat Score distribution charts can be found below:

* The bar in red indicates where Ames National's Moat Score falls into.


ATLO
59GF Score
Ames National Corp ATLO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Ames National (ATLO) has a Moat Score of 3 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Ames National ranks #412 out of 1610 companies in the Banks industry, placing it in the top 25.6%.
Is Ames National's Moat Score too high?
Ames National's current Moat Score is 3. Based on the distribution chart, Ames National ranks #412 out of 1610 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 Moat Score compare to FUNC and HWBK?
According to the Banks industry distribution chart, Ames National ranks #412 out of 1610 companies for Moat Score. This puts Ames National in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Ames National's current Moat Score is 3. 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 $30.50 — trading 26.5% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Ames National (ATLO), the current Moat Score is 3 as of Jun. 27, 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 $30.50 is trading 26.5% above its estimated GF Value™ of $24.11. GuruFocus considers Ames National to be Modestly Overvalued.

Key valuation signals for ATLO:

  • Moat Score: 3
  • GF Value™: $24.11 vs. price of $30.50 (26.5% above fair value)
  • GF Score™: 59/100 with 5 warning signs

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 Business Description

Address 323 Sixth Street, Ames, IA, USA, 50010
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.50
Price
$24.11
GF Value