Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Ames National Corporation's quarterly P/E stands at 10.5x, down 6.2% year-over-year. EV/EBITDA has expanded 136.3% YoY to 8.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.42 | 10.53 | 7.86 | 9.91 | 8.73 | 11.23 | 10.53 | 18.23 | 21.34 | 19.40 | 22.23 | 12.57 | 16.10 |
| — | -6.2% | -25.3% | -45.6% | -59.1% | -42.1% | -52.6% | +45.0% | +32.6% | +34.3% | +84.5% | +40.5% | +33.5% | |
| P/S Ratio | 2.78 | 2.52 | 1.96 | 1.85 | 1.65 | 1.65 | 1.54 | 1.77 | 1.99 | 2.04 | 2.17 | 1.74 | 1.98 |
| — | +52.6% | +27.5% | +4.3% | -17.3% | -18.9% | -28.9% | +1.9% | +0.5% | -14.3% | -21.4% | -36.9% | -32.0% | |
| P/B Ratio | 1.32 | 1.21 | 0.99 | 0.90 | 0.82 | 0.85 | 0.84 | 0.89 | 1.10 | 1.10 | 1.16 | 1.00 | 1.06 |
| — | +42.1% | +17.1% | +0.6% | -25.4% | -22.1% | -27.3% | -10.8% | +4.1% | -5.6% | -18.7% | -31.0% | -17.0% | |
| P/FCF | 13.20 | 7.91 | 6.51 | 17.01 | 10.19 | 5.64 | 6.26 | 13.52 | 12.15 | 34.79 | 8.98 | 34.57 | 13.85 |
| — | +40.3% | +4.0% | +25.8% | -16.1% | -83.8% | -30.3% | -60.9% | -12.3% | +271.8% | -13.3% | +137.5% | -7.1% | |
| EV / EBITDA | 12.69 | 8.83 | 7.76 | 5.33 | 5.28 | 3.74 | 7.28 | 18.46 | 20.20 | 16.42 | 25.00 | 13.44 | 14.92 |
| — | +136.3% | +6.6% | -71.1% | -73.9% | -77.2% | -70.9% | +37.3% | +35.4% | +35.1% | +140.4% | +80.8% | +165.9% | |
| EV / EBIT | 13.48 | 9.28 | 8.03 | 5.71 | 5.65 | 4.09 | 8.01 | 21.49 | 23.45 | 18.91 | 29.49 | 15.19 | 17.02 |
| — | +127.0% | +0.2% | -73.4% | -75.9% | -78.4% | -72.8% | +41.4% | +37.8% | +40.4% | +160.2% | +90.0% | +180.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Ames National Corporation's operating margin was 30.8% in Q1 2026, up 1.6 pp QoQ and up 12.9 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 26.7% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 21.2% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.3% | 74.2% | 71.6% | 65.4% | 66.3% | 61.3% | 62.3% | 56.7% | 57.5% | 57.9% | 56.4% | 63.1% | 65.3% |
| — | +21.2% | +14.9% | +15.3% | +15.4% | +5.7% | +10.4% | -10.1% | -12.0% | -17.4% | -29.5% | -30.7% | -29.9% | |
| Operating Margin | 23.6% | 30.8% | 29.2% | 23.4% | 23.4% | 17.9% | 18.2% | 11.3% | 11.1% | 12.2% | 11.2% | 16.7% | 14.5% |
| — | +71.8% | +60.7% | +107.3% | +110.5% | +46.7% | +62.3% | -32.2% | -23.6% | -38.6% | -60.8% | -56.8% | -59.7% | |
| Net Margin | 19.4% | 23.8% | 25.0% | 18.7% | 18.7% | 14.5% | 14.7% | 9.6% | 9.4% | 10.3% | 9.7% | 13.8% | 12.3% |
| — | +63.9% | +69.7% | +95.0% | +98.2% | +40.7% | +52.3% | -30.7% | -23.3% | -37.1% | -57.8% | -54.8% | -49.4% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 2.9% | 3.2% | 2.3% | 2.4% | 1.9% | 2.0% | 1.3% | 1.3% | 1.4% | 1.4% | 1.9% | 1.6% |
| — | +49.1% | +62.6% | +83.1% | +82.7% | +38.4% | +43.3% | -34.6% | -19.2% | -33.0% | -55.6% | -48.5% | -35.2% | |
| ROA | 0.9% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| — | +74.8% | +86.1% | +108.1% | +108.4% | +50.5% | +66.3% | -22.8% | -13.7% | -28.3% | -52.5% | -48.6% | -39.7% | |
| ROIC | 6.4% | 2.2% | 2.1% | 1.6% | 1.6% | 1.2% | 1.1% | 0.7% | 0.6% | 0.6% | 0.6% | 0.9% | 0.8% |
| — | +84.3% | +92.3% | +149.4% | +150.2% | +84.8% | +93.2% | -24.3% | -17.5% | -43.6% | -69.6% | -66.9% | -65.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Ames National Corporation's Debt/EBITDA ratio is 6.8x, down from 7.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 12700.9% YoY to 53.78x, strengthening the short-term liquidity position. Debt/Equity has declined for 11 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.29 | 0.26 | 0.29 | 0.32 | 0.37 | 0.45 | 0.57 | 0.69 | 0.76 | 0.87 | 0.99 | 1.14 | 0.94 |
| — | -40.6% | -49.1% | -53.4% | -51.7% | -48.5% | -42.7% | -39.7% | -19.0% | +10.4% | +85.5% | +128.0% | +271.3% | |
| Debt / EBITDA | 2.44 | 6.80 | 7.63 | 10.47 | 11.72 | 17.62 | 20.81 | 41.36 | 42.44 | 45.75 | 56.27 | 41.93 | 42.19 |
| — | -61.4% | -63.3% | -74.7% | -72.4% | -61.5% | -63.0% | -1.4% | +0.6% | +57.2% | +323.0% | +359.5% | +616.8% | |
| Current Ratio | 4.95 | 53.78 | 4.95 | 0.18 | 0.41 | 0.42 | 0.17 | 0.42 | 0.41 | 0.44 | 0.43 | 0.45 | 0.46 |
| — | +12700.9% | +2880.6% | -57.6% | -1.7% | -5.2% | -61.8% | -7.4% | -9.2% | -4.0% | +0.6% | +2.6% | -3.2% | |
| Quick Ratio | 4.95 | 53.78 | 4.95 | 0.18 | 0.41 | 0.42 | 0.17 | 0.42 | 0.41 | 0.44 | 0.43 | 0.45 | 0.46 |
| — | +12700.9% | +2880.6% | -57.6% | -1.7% | -5.2% | -61.8% | -7.4% | -9.2% | -4.0% | +0.6% | +2.6% | -3.2% | |
| Interest Coverage | 0.74 | 1.13 | 1.03 | 0.73 | 0.70 | 0.52 | 0.48 | 0.27 | 0.27 | 0.30 | 0.28 | 0.44 | 0.42 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying ATLO stock.
Ames National Corporation's current P/E is 14.4x. The average P/E over the last 4 quarters is 9.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Ames National Corporation's current operating margin is 23.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Ames National Corporation's business trajectory between earnings reports.