Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Ames National Corporation (ATLO)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/15/2025: ATLO (1-star) is currently NOT-A-BUY. Pass it for now.
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 -9.69% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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 bank holding company headquartered in Ames, Iowa. It was founded in 1970 and has grown through acquisitions and organic expansion to operate multiple community banks across Iowa.
Core Business Areas
- Community Banking: Provides a range of banking services, including deposit accounts, loans (commercial, agricultural, and consumer), and other financial products to individuals and businesses in its service areas.
- Wealth Management: Offers trust, investment management, and financial planning services through its affiliated entities.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is typical of a bank holding company, with a corporate headquarters overseeing the operations of its subsidiary banks.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for working capital, expansion, and other purposes. Market share data unavailable without access to proprietary databases. Competitors include larger national and regional banks like Wells Fargo and US Bancorp, and other Iowa-based community banks.
- Estimated Revenue %: 35
- Agricultural Loans: Loans provided to farmers and agricultural businesses. Market share data unavailable. Competitors include Farm Credit Services of America and other agricultural lenders.
- Estimated Revenue %: 25
- Estimated Revenue %: 20
- Residential Mortgages: Loans provided to individuals for purchasing or refinancing homes. Market share data unavailable. Competitors include national mortgage lenders and other local banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data unavailable. Competitors include all banks operating in its market area.
- Estimated Revenue %: 20
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies, rising interest rates, and evolving regulatory landscape. Community banks are focused on maintaining customer relationships and adapting to technological changes.
Positioning
Ames National Corporation positions itself as a community-focused bank, emphasizing local decision-making and personalized service. Its competitive advantage lies in its strong customer relationships and knowledge of the local markets.
Total Addressable Market (TAM)
The total addressable market includes all banking services in the regions served by Ames National Corporation. The corporation captures a portion of this market based on its competitive strengths.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand reputation
- Established customer relationships
- Experienced management team
- Diversified loan portfolio
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating costs relative to larger institutions
- Dependence on traditional banking services
- Smaller capital base compared to larger competitors
Opportunities
- Expanding into new markets through acquisitions or organic growth
- Leveraging technology to improve efficiency and customer service
- Increasing wealth management services
- Capitalizing on consolidation trends in the banking industry
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic downturns
- Changes in banking regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WFC
- USB
- RF
- BOH
- FFWM
Competitive Landscape
Ames National Corporation competes with larger national and regional banks, as well as other community banks, in its service areas. Its advantages include its local focus and strong customer relationships, while its disadvantages include its smaller size and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Ames National Corporation's growth has been driven by a combination of organic expansion and acquisitions.
Future Projections: Future growth projections are unavailable without access to analyst reports.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and acquisitions of smaller banks.
Summary
Ames National Corporation is a community bank holding company that is positioned well with local knowledge and relationships. It faces challenges from larger banks and fintech companies, but it can leverage opportunities in wealth management and technology. Ames National Corporation could strengthen its position with strategic acquisitions to expand its market share. It is important to watch for changes in regulation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website, publicly available documents, industry reports.
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market share data is based on estimations.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.