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Upturn AI SWOT - About
Ames National Corporation (ATLO)
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Upturn Advisory Summary
08/28/2025: ATLO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -26.77% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 156.20M USD | Price to earnings Ratio 13.8 | 1Y Target Price - |
Price to earnings Ratio 13.8 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.47 | 52 Weeks Range 15.16 - 21.03 | Updated Date 06/29/2025 |
52 Weeks Range 15.16 - 21.03 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.55% | Basic EPS (TTM) 1.27 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.63% | Operating Margin (TTM) 31.55% |
Management Effectiveness
Return on Assets (TTM) 0.52% | Return on Equity (TTM) 6.52% |
Valuation
Trailing PE 13.8 | Forward PE - | Enterprise Value 68694560 | Price to Sales(TTM) 2.84 |
Enterprise Value 68694560 | Price to Sales(TTM) 2.84 | ||
Enterprise Value to Revenue 3.37 | Enterprise Value to EBITDA - | Shares Outstanding 8915560 | Shares Floating 8725388 |
Shares Outstanding 8915560 | Shares Floating 8725388 | ||
Percent Insiders 1.37 | Percent Institutions 30.28 |
Upturn AI SWOT
Ames National Corporation
Company Overview
History and Background
Ames National Corporation is a multi-bank holding company headquartered in Ames, Iowa. Founded in 1971, it has grown through acquisitions and organic expansion, focusing on community banking services in central Iowa.
Core Business Areas
- Community Banking: Offers a range of banking products and services, including deposit accounts, loans (commercial, agricultural, and consumer), and wealth management services to individuals, businesses, and agricultural clients.
Leadership and Structure
The company is led by a board of directors and an executive management team. The structure involves subsidiary banks operating under the Ames National Corporation umbrella.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing to businesses for working capital, equipment, and real estate. Market share data not publicly available. Competitors include regional and national banks.
- Agricultural Loans: Offers loans to farmers for land, equipment, and operating expenses. Market share data not publicly available. Competitors include Farm Credit Services and other agricultural lenders.
- Deposit Accounts: Offers a range of checking, savings, and money market accounts to individuals and businesses. Market share data not publicly available. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition, regulatory changes, and technological advancements. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Ames National Corporation positions itself as a community-focused bank, emphasizing customer service and local decision-making. It competes with larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM is the total banking market in central Iowa. Ames National Corporation holds a portion of this market, but specific figures are not publicly available.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Local market knowledge
- Experienced management team
- Diversified loan portfolio
- Solid customer relationships
Weaknesses
- Limited geographic reach
- Smaller size compared to national banks
- Dependence on local economy
- Lower brand recognition
Opportunities
- Expanding into new markets within Iowa
- Increasing digital banking capabilities
- Acquiring smaller community banks
- Growing wealth management services
Threats
- Increasing competition from larger banks
- Economic downturn in Iowa
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- CMA
Competitive Landscape
Ames National Corporation faces competition from larger national banks with greater resources and smaller community banks with local relationships. Its advantage lies in personalized service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by acquisitions and organic expansion.
Future Projections: Future projections depend on economic conditions and company strategy.
Recent Initiatives: Recent initiatives may include branch expansions or technological upgrades.
Summary
Ames National Corporation is a community bank focused on central Iowa, showing moderate growth and community ties. Limited geographic reach and national competition affect its performance. Strategic initiatives should focus on digital expansion and wealth management. Threats such as rising interest rates should be addressed.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Public filings, industry reports, company website.
Disclaimers:
The data provided is based on publicly available information and may not be exhaustive. Market share data is estimated. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ames National Corporation
Exchange NASDAQ | Headquaters Ames, IA, United States | ||
IPO Launch date 2000-02-15 | President, CEO & Director Mr. John P. Nelson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 258 | Website https://www.amesnational.com |
Full time employees 258 | Website https://www.amesnational.com | ||
Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union Counties in central, north-central, and south-central Iowa. The company accepts various deposit products, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. It also provides loans, such as short-term and medium-term commercial, multi-family and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; consumer loans to finance consumer purchases, such as automobiles, trucks, recreational vehicles, household furnishings, boats, personal loans, and lines of credit; agricultural and business operating loans and lines of credit; and originates mortgage loans for sale into the secondary market. In addition, the company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit, and automated/video teller machine access services; and automatic drafts for various accounts, as well as wealth management services. Further, it provides farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and online, mobile, and private banking services. Ames National Corporation was incorporated in 1903 and is headquartered in Ames, Iowa.
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