Ames National Corporation (ATLO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Ames National Corporation stock (ATLO) is currently trading at $27.61. Ames National Corporation PE ratio is 11.84. Ames National Corporation PS ratio (Price-to-Sales) is 3.65. WallStSmart rates ATLO as Moderate Buy.
- ATLO PE ratio analysis and historical PE chart
- ATLO PS ratio (Price-to-Sales) history and trend
- ATLO intrinsic value — DCF, Graham Number, EPV models
- ATLO stock price prediction 2025 2026 2027 2028 2029 2030
- ATLO fair value vs current price
- ATLO insider transactions and insider buying
- Is ATLO undervalued or overvalued?
- Ames National Corporation financial analysis — revenue, earnings, cash flow
- ATLO Piotroski F-Score and Altman Z-Score
- ATLO analyst price target and Smart Rating
Ames National Corporation
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ATLO Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Ames National Corporation (ATLO)
ATLO trades at a significant discount to its Graham intrinsic value of $84.24, offering a 67% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Ames National Corporation (ATLO) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around market cap and return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Ames National Corporation (ATLO) Key Strengths (6)
Keeps $38 of every $100 in revenue after operating costs
Earnings per share surging 107.90% year-over-year
Keeps $27 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.14x book value, attractively priced
Strong revenue growth at 21.60% annually
Supporting Valuation Data
Ames National Corporation (ATLO) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Revenue is fairly priced at 3.65x sales
Moderate institutional interest at 31.44%
Ames National Corporation (ATLO) Detailed Analysis Report
Overall Assessment
This company scores 73/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.0/10) while 4 fall into concern territory (avg 4.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including PEG Ratio (1.03), Price/Book (1.14) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 37.90%, Profit Margin at 26.50%. Growth metrics are encouraging with Revenue Growth at 21.60%, EPS Growth at 107.90%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.65) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 8.35%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.35% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 21.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ATLO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ATLO's Price-to-Sales ratio of 3.65x sits near its historical average of 3.65x (57th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 3.75x set in Feb 2026, and 2% above its historical low of 3.59x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Ames National Corporation (ATLO) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Ames National Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 61M with 22% growth year-over-year. Profit margins are strong at 26.5%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 26.5% and operating margin of 37.9% demonstrate strong pricing power and operational efficiency.
Generating 7M in free cash flow and 7M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Growth sustainability: can Ames National Corporation maintain 22%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Ames National Corporation.
Bottom Line
Ames National Corporation offers an attractive blend of growth (22% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Ames National Corporation(ATLO)
NASDAQ
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.