VCP Scanner
Stock Screener
Filter stocks with fundamental & technical criteria
Market Themes
Curated industry baskets & thematic leaders
Earnings Hub
Calendar, EPS surprise stats & earnings transcripts
Market News
Real-time market intelligence & AI overviews
Insider Buying
SEC Form 4 corporate insider purchases
MinerviniVCP SetupsTrend Template
O'NeilCup with HandleFlat BaseDouble BottomCANSLIM Leaders
QullamaggieHigh Tight FlagsFlag BreakoutsEpisodic PivotsMomentum Leaders
KellWedge PopEMA Crossback
LivermorePivotal Points
PatternsFalling Wedge & ChannelBase Breakouts
View All Playbooks...
BreakoutsScanner
FAANG & Tech
AAPL vs MSFTNVDA vs AMDGOOGL vs META
Cloud & Cyber
CRM vs NOWCRWD vs PANWSNOW vs DDOG
Consumer & Auto
TSLA vs FAMZN vs WMTNFLX vs DIS
Finance & Crypto
JPM vs BACV vs MACOIN vs MSTR
Index & ETFs
SPY vs QQQVTI vs VOOSPY vs IWM
Compare Any Stocks...
DCF ValuationCalculate intrinsic value of US stocks
Market ValuationBuffett indicator, CAPE & macro gauges
Total ReturnSee dividends + price return history
DCA CalculatorSimulate recurring buys & compounding
VisualizeInteractive multi-year financial charts
Watchlist
BreakoutsScanner
WatchlistPricing
Ctrl K
Pricing
ATLO
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Analyze deeply. Research with clarity.

Data updated daily

Product

  • Screener
  • Scanner
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • Pricing
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly market insights — free

© 2026 VCP Scanner
AboutPrivacyTermsRefund Policy
Not financial advice. Do your own research.
ScreenerBreakoutsScannerWatchlist
ATLOAmes National Corporation
$33.90$300M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
ATLO logo

Ames National Corporation

ATLO
NASDAQ · Regional Banks
$33.90
At close - Nov 6, 4:00 PM EST - USD
Market Cap$300M
P/E11.8x
52W High$35.45
Volume7.69K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Earnings Rebound Lifts ATLO Despite Thin Margins

Ames National's net interest income rose from $10.9M in 2024Q2 to $17.0M in 2026Q3, with 20.7% year-over-year growth and the efficiency ratio improving from 79.6% to 55.0%, suggesting a meaningful operating recovery.

GrowthExpanding
ProfitabilityModerate
ValuationAttractive
TechnicalsStrong
Explore valuation models
MARKET ACTION

ATLO price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

3/12 Beats

EPS beat 3 of last 12 quarters

02

Valuation risk

-16% Peers

P/E is 16% below peer median

03

Market leadership

RS 83 · Leader

High momentum (Outperforming 83% of market)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 16

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
ATLO+52.22%
S&P 500 (^GSPC)+7.63%
1-Year Return
ATLO+65.23%
S&P 500 (^GSPC)+9.69%
3-Year Return
ATLO+104.87%
S&P 500 (^GSPC)+68.05%
5-Year Return
ATLO+57.13%
S&P 500 (^GSPC)+56.21%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
11.8x
Forward P/E
12.1x
EV/EBITDA80th %ile
10.3x
FCF YieldCash Flow
6.3%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.8x
11.0x
60th· Fair
EV/EBITDA
10.3x
9.9x
80th· High
Price/FCF
15.8x
10.6x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$67M+21.9% YoY
Net income FY25
$19M+86.2% YoY
Free cash flow FY25
$21M+47.8% YoY
Operating margin FY25
34.7%+12.4 pts YoY
ROIC (FY25)6.4%
Avg ROIC 5Y6%
ROE (TTM)12.2%
Piotroski Score8 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate3/12 (100%)
Revenue Beat Rate3/12 (100%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 16, 2026
$0.80+17.6%
vs $0.68
$27M+40.4%
vs $19M
Q3 2026
Jul 17, 2026
$0.67+3.1%
vs $0.65
$26M+39.7%
vs $19M
Q2 2026
Apr 24, 2026
$0.67+8.1%
vs $0.62
$25M+38.1%
vs $18M
Q1 2026
Jan 23, 2026
$0.73
vs —
$26M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Zacks Investment Research·Oct 22, 2026
What Makes Ames National (ATLO) a New Strong Buy Stock

Ames National (ATLO) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Zacks Investment Research·Oct 22, 2026
Is Ames National (ATLO) Stock Outpacing Its Finance Peers This Year?

Here is how Ames National (ATLO) and Northern Trust Corporation (NTRS) have performed compared to their sector so far this year.

Zacks Investment Research·Oct 22, 2026
Best Income Stocks to Buy for October 22nd

BBCP, ATLO and UCB made it to the Zacks Rank #1 (Strong Buy) income stocks list on October 22, 2026.

Zacks Investment Research·Oct 16, 2026
Ames National (ATLO) Surpasses Q3 Earnings and Revenue Estimates

Ames National (ATLO) came out with quarterly earnings of $0.8 per share, beating the Zacks Consensus Estimate of $0.68 per share. This compares to earnings of $0.51 per share a year ago.

Filtered for Ames National CorporationMore Headlines
04

Compare before deciding

Benchmark ATLO against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Ames National Corporation (ATLO)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ATLO logoATLOAmes National CorporationCurrent
$33.90$300.26M11.8021.93%33.32%12.2%2.35%
MVBF logoMVBFMVB Financial Corp.
$25.91$332.94M15.5734.4%13.2%6.58%2.56%
FBIZ logoFBIZFirst Business Financial Services, Inc.
$74.18$620.31M10.609.89%31.92%14.87%1.6%
HFWA logoHFWAHeritage Financial Corporation
$28.39$1.17B15.1113.51%28.67%7.32%3.34%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.38$225.48M16.12-9.39%28.36%7.64%1.59%
STBA logoSTBAS&T Bancorp, Inc.
$50.78$1.79B12.514.75%35.58%10.12%2.71%

Compare ATLO vs Peers

Ames National Corporation (ATLO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MVBF

Most directly comparable listed peer for ATLO.

Scale Benchmark

vs ICE

Larger-name benchmark to compare ATLO against a more recognizable public peer.

Peer Set

Compare Top 5

vs MVBF, FBIZ, HFWA, CZWI

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

ATLO SEC Filings & Documents

Ames National Corporation (ATLO) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 16, 2026·SEC

Material company update

Aug 13, 2026·SEC

Material company update

May 15, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 12, 2025·SEC

FY 2024

Mar 8, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 7, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

Get notified when ATLO posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

Free. Unsubscribe any time.

ATLO Frequently Asked Questions

Ames National Corporation (ATLO) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Ames National Corporation growing?

Ames National Corporation (ATLO) grew revenue by 21.5% over the trailing twelve months, compared with the twelve months before.

Is ATLO profitable?

Yes. Ames National Corporation (ATLO) earned $25.5M in net income over the trailing twelve months (a 33.3% net margin).

Dividend & Returns
Does ATLO pay dividends?

Yes. Ames National Corporation (ATLO) pays a dividend that yields 2.35% at the current price, a moderate yield.

What is ATLO's return on equity?

Ames National Corporation (ATLO) had a return on equity (ROE) of 12.2% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Ames National Corporation's net interest margin?

Ames National Corporation (ATLO) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

What is Ames National Corporation's efficiency ratio?

Ames National Corporation (ATLO) has an efficiency ratio of 62.7%. This is reasonable for a bank.

What if you invested $1,000 in ATLO back in 2000?

Total return calculator · dividends reinvested · 26+ years of data

See returns →