Ames National Corporation (ATLO)vsU.S. Bancorp (USB)
ATLO
Ames National Corporation
$27.61
+0.84%
FINANCIAL SERVICES · Cap: $189.58M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 43411% more annual revenue ($26.35B vs $60.57M). USB leads profitability with a 28.7% profit margin vs 26.5%. ATLO appears more attractively valued with a PEG of 1.03. USB earns a higher WallStSmart Score of 75/100 (B).
ATLO
Strong Buy73
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+67.5%
Fair Value
$84.24
Current Price
$27.61
$56.63 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.9%
Earnings expanding 107.9% YoY
Keeps 27 of every $100 in revenue as profit
Revenue surging 21.6% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLO
The strongest argument for ATLO centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.5% and operating margin at 37.9%. Revenue growth of 21.6% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : ATLO
The primary concerns for ATLO are Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ATLO profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
ATLO is growing revenue faster at 21.6% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 73/100), backed by strong 28.7% margins. ATLO offers better value entry with a 67.5% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Ames National Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ames National Corporation is a multi-bank holding company offering banking products and services primarily in Adams, Boone, Clarke, Hancock, Polk, Marshall, Ringgold, Story, Taylor and Union counties in central, north-central counties. and south. --Central Iowa. The company is headquartered in Ames, Iowa.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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