Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.80 | 9.81 | 11.05 | 10.53 | 7.86 | 9.91 | 8.73 | 11.23 | 10.53 | 18.23 | 21.34 | 19.40 | 22.23 | 12.57 | 16.10 | 14.44 | 12.05 | 8.94 | 12.05 | 10.90 | 10.56 |
| — | -1.1% | +26.6% | -6.2% | -25.3% | -45.6% | -59.1% | -42.1% | -52.6% | +45.0% | +32.6% | +34.3% | +84.5% | +40.5% | +33.5% | +32.5% | +14.1% | +14.2% | +25.9% | +12.5% | +0.2% | |
| P/S Ratio | 3.93 | 3.40 | 3.44 | 3.46 | 2.74 | 2.72 | 2.47 | 2.53 | 2.49 | 3.04 | 3.41 | 3.47 | 3.62 | 2.82 | 3.02 | 3.32 | 3.48 | 3.13 | 3.14 | 3.60 | 3.44 |
| — | +25.2% | +39.4% | +36.8% | +10.0% | -10.5% | -27.8% | -27.2% | -31.2% | +7.9% | +12.9% | +4.5% | +4.1% | -9.9% | -3.6% | -7.8% | +0.9% | +2.5% | -5.7% | -0.3% | +5.2% | |
| P/B Ratio | 1.46 | 1.35 | 1.23 | 1.21 | 0.99 | 0.90 | 0.82 | 0.85 | 0.84 | 0.89 | 1.10 | 1.10 | 1.16 | 1.00 | 1.06 | 1.16 | 1.42 | 1.45 | 1.28 | 1.28 | 1.08 |
| — | +50.3% | +49.6% | +42.1% | +17.1% | +0.6% | -25.4% | -22.1% | -27.3% | -10.8% | +4.1% | -5.6% | -18.7% | -31.0% | -17.0% | -9.2% | +32.3% | +44.6% | +20.0% | +12.0% | +3.0% | |
| P/FCF | 15.81 | — | 20.73 | 7.91 | 6.51 | 17.01 | 10.19 | 5.64 | 6.26 | 13.52 | 12.15 | 34.79 | 8.98 | 34.57 | 13.85 | 9.36 | 10.35 | 14.56 | 14.91 | 8.76 | 9.55 |
| — | — | +103.5% | +40.3% | +4.0% | +25.8% | -16.1% | -83.8% | -30.3% | -60.9% | -12.3% | +271.8% | -13.3% | +137.5% | -7.1% | +6.8% | +8.4% | +63.6% | +100.6% | +39.6% | +39.4% | |
| EV / EBITDA | 10.33 | 6.50 | 6.56 | 8.83 | 7.64 | 5.33 | 5.28 | 3.74 | 7.28 | 18.46 | 20.20 | 16.42 | 25.00 | 13.44 | 14.92 | 12.15 | 10.40 | 7.43 | 5.61 | 3.66 | 5.23 |
| — | +22.0% | +24.3% | +136.3% | +4.9% | -71.1% | -73.9% | -77.2% | -70.9% | +37.3% | +35.4% | +35.1% | +140.4% | +80.8% | +165.9% | +231.9% | +98.7% | +162.4% | +89.4% | +338.4% | +113.1% | |
| EV / EBIT | 14.65 | 6.50 | 6.56 | 9.28 | 8.03 | 5.71 | 5.65 | 4.09 | 8.01 | 21.49 | 23.45 | 18.91 | 29.49 | 15.19 | 17.02 | 13.47 | 11.34 | 8.00 | 6.08 | 3.92 | 5.61 |
| — | +13.8% | +16.1% | +127.0% | +0.2% | -73.4% | -75.9% | -78.4% | -72.8% | +41.4% | +37.8% | +40.4% | +160.2% | +90.0% | +180.2% | +243.5% | +102.0% | +166.5% | +92.3% | +339.7% | +110.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 97.5% | 99.7% | 98.9% | 101.9% | 100.0% | 96.2% | 99.3% | 93.8% | 100.9% | 97.2% | 98.7% | 98.7% | 94.3% | 102.1% | 99.8% | 98.0% | 101.1% | 103.3% | 100.4% | 100.8% | 101.3% |
| — | +3.6% | -0.4% | +8.7% | -0.9% | -1.1% | +0.7% | -5.0% | +7.0% | -4.8% | -1.1% | +0.7% | -6.7% | -1.1% | -0.6% | -2.8% | -0.2% | +2.7% | +0.2% | -1.8% | +9.6% | |
| Operating Margin | 34.7% | 44.7% | 40.4% | 42.2% | 40.8% | 34.5% | 35.0% | 27.4% | 29.4% | 19.4% | 19.0% | 20.8% | 18.7% | 27.0% | 22.2% | 27.8% | 36.1% | 43.8% | 38.9% | 41.1% | 44.0% |
| — | +29.7% | +15.4% | +54.1% | +38.7% | +77.9% | +83.8% | +31.8% | +57.2% | -28.2% | -14.2% | -25.2% | -48.1% | -38.4% | -42.9% | -32.4% | -18.1% | -11.0% | -11.9% | -12.5% | +15.9% | |
| Net Margin | 28.5% | 34.5% | 31.1% | 32.7% | 34.9% | 27.5% | 28.0% | 22.3% | 23.8% | 16.4% | 16.2% | 17.6% | 16.1% | 22.4% | 18.8% | 23.0% | 28.9% | 34.8% | 26.2% | 32.8% | 32.6% |
| — | +25.5% | +11.0% | +46.9% | +46.4% | +67.3% | +73.0% | +26.4% | +47.6% | -26.7% | -13.8% | -23.3% | -44.2% | -35.5% | -28.3% | -29.9% | -11.4% | -10.3% | -25.1% | -12.0% | +5.0% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 3.4% | 2.8% | 2.9% | 3.2% | 2.3% | 2.4% | 1.9% | 2.0% | 1.3% | 1.3% | 1.4% | 1.4% | 1.9% | 1.6% | 2.1% | 3.1% | 3.8% | 2.5% | 2.7% | 2.5% |
| — | +45.3% | +17.5% | +49.1% | +62.6% | +83.1% | +82.7% | +38.4% | +43.3% | -34.6% | -19.2% | -33.0% | -55.6% | -48.5% | -35.2% | -22.5% | +21.6% | +17.8% | -11.5% | -8.0% | +1.3% | |
| ROA | 0.9% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.3% | 0.2% | 0.2% | 0.3% |
| — | +54.4% | +31.9% | +74.8% | +86.1% | +108.1% | +108.4% | +50.5% | +66.3% | -22.8% | -13.7% | -28.3% | -52.5% | -48.6% | -39.7% | -37.9% | -16.5% | -18.2% | -30.8% | -19.5% | -6.4% | |
| ROIC | 6.4% | 2.7% | 2.2% | 2.2% | 2.1% | 1.6% | 1.6% | 1.2% | 1.1% | 0.7% | 0.6% | 0.6% | 0.6% | 0.9% | 0.8% | 1.1% | 1.9% | 2.6% | 2.3% | 2.1% | 2.1% |
| — | +68.5% | +38.2% | +84.3% | +92.3% | +149.4% | +150.2% | +84.8% | +93.2% | -24.3% | -17.5% | -43.6% | -69.6% | -66.9% | -65.7% | -45.4% | -11.4% | +0.9% | +0.5% | -9.3% | +10.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.29 | 0.17 | 0.22 | 0.26 | 0.29 | 0.32 | 0.37 | 0.45 | 0.57 | 0.69 | 0.76 | 0.87 | 0.99 | 1.14 | 0.94 | 0.78 | 0.54 | 0.50 | 0.25 | 0.23 | 0.21 |
| — | -47.1% | -39.3% | -40.6% | -49.1% | -53.4% | -51.7% | -48.5% | -42.7% | -39.7% | -19.0% | +10.4% | +85.5% | +128.0% | +271.3% | +247.2% | +159.5% | +167.4% | +46.0% | +3.9% | +7.2% | |
| Debt / EBITDA | 2.43 | 3.81 | 6.14 | 6.80 | 7.51 | 10.47 | 11.72 | 17.62 | 20.81 | 41.36 | 42.44 | 45.75 | 56.27 | 41.93 | 42.19 | 29.09 | 13.30 | 9.12 | 5.89 | 5.77 | 5.59 |
| — | -63.6% | -47.6% | -61.4% | -63.9% | -74.7% | -72.4% | -61.5% | -63.0% | -1.4% | +0.6% | +57.2% | +323.0% | +359.5% | +616.8% | +404.0% | +137.9% | +109.7% | +28.3% | +5.3% | -4.3% | |
| Current Ratio | 4.95 | 0.41 | 0.43 | 53.78 | 4.95 | 0.18 | 0.41 | 0.42 | 0.17 | 0.42 | 0.41 | 0.44 | 0.43 | 0.45 | 0.46 | 0.46 | 0.43 | 0.44 | 0.47 | 0.50 | 0.49 |
| — | +133.0% | +5.9% | +12700.9% | +2880.6% | -57.6% | -1.7% | -5.2% | -61.8% | -7.4% | -9.2% | -4.0% | +0.6% | +2.6% | -3.2% | -7.2% | -12.2% | -11.0% | -3.6% | +0.9% | +8.4% | |
| Quick Ratio | 4.95 | 0.41 | 0.43 | 53.78 | 4.95 | 0.18 | 0.41 | 0.42 | 0.17 | 0.42 | 0.41 | 0.44 | 0.43 | 0.45 | 0.46 | 0.46 | 0.43 | 0.44 | 0.47 | 0.50 | 0.49 |
| — | +133.0% | +5.9% | +12700.9% | +2880.6% | -57.6% | -1.7% | -5.2% | -61.8% | -7.4% | -9.2% | -4.0% | +0.6% | +2.6% | -3.2% | -7.2% | -12.2% | -11.0% | -3.6% | +0.9% | +8.4% | |
| Interest Coverage | 0.74 | 1.37 | 1.12 | 1.13 | 1.03 | 0.73 | 0.70 | 0.52 | 0.48 | 0.27 | 0.27 | 0.30 | 0.28 | 0.44 | 0.42 | 0.70 | 1.37 | 3.26 | 5.01 | 7.01 | 7.38 |
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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 11.8x. The average P/E over the last 4 quarters is 9.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Ames National Corporation's current operating margin is 34.7%. 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.