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Upturn AI Summary - About
Ames National Corporation(ATLO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ATLO
10/09/2026: ATLO (3-star) is a REGULAR-BUY. BUY for 91 days. Simulated Profits (9.08%). Updated daily EoD!
Ames National Corporation is a community-focused bank holding company providing traditional banking and wealth management services, primarily within central Iowa. The company is known for its conservative lending practices and stable, long-standing local relationships, which support a consistent dividend payout. Its growth story is rooted in steady organic expansion and serving the specific needs of its local agricultural and business clients. Investors should monitor regional economic conditions and interest rate trends, as these are the primary risks to its margin stability. This stock is generally best suited for long-term value and income-oriented investors who prioritize consistency over high growth.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature, slow-growth regional bank rather than a high-growth stock. |
| Momentum investor | Weak fit | This stock typically lacks the high-volatility price action momentum investors look for. |
| Value investor | Strong fit | Its business model is consistent with traditional value investing principles of stable, dividend-paying entities. |
| Dividend investor | Strong fit | Ames National provides a consistent dividend yield, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the company's reliance on specific geographic and agricultural sectors introduces localized risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can react sharply to regional economic shifts or interest rate changes. |
| Valuation risk | Low | It is generally priced in line with its conservative book value and earnings. |
| Competition risk (Banking services) | Medium | Competition from larger national banks can compress margins on key loan products. |
| Business quality | Medium | It is a stable, well-capitalized entity but lacks the scale of larger peers. |
| Dividend income | Low | The dividend history is generally stable and reliable. |
| Execution risk | Medium | Success depends on managing local agricultural credit risks and interest rate fluctuations. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 36.34% | Avg. Invested days 69 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 283.25M USD | Price to earnings Ratio 12.4 | 1Y Target Price 33 |
Price to earnings Ratio 12.4 | 1Y Target Price 33 | ||
Volume (30-day avg) 26.9K shares | Beta 0.3 | 52 Weeks Range 18.91 - 32.86 | Updated Date 10/08/2026 |
52 Weeks Range 18.91 - 32.86 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 2.76% | Basic EPS (TTM) 2.58 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial, agricultural, and real estate loans minus interest paid on deposits. | The bank makes most of its money by lending money to locals and farmers at a higher rate than it pays depositors. |
| Non-Interest Income | Service fees, wealth management fees, and trust service charges. | Additional revenue comes from fees for managing accounts and financial planning services. |
Earnings Date
Report Date 2026-10-16 | When After Market | Estimate 0.68 | Actual - |
Profitability
Profit Margin 31.91% | Operating Margin (TTM) 42.5% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 11.31% |
Valuation
Trailing PE 12.4 | Forward PE 12.76 | Enterprise Value 217.60M | Price to Sales(TTM) 3.94 |
Enterprise Value 217.60M | Price to Sales(TTM) 3.94 | ||
Enterprise Value to Revenue 4.02 | Enterprise Value to EBITDA - | Shares Outstanding 8.86M | Shares Floating 8.71M |
Shares Outstanding 8.86M | Shares Floating 8.71M | ||
Percent Insiders 1.26 | Percent Institutions 41.77 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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