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Ames National Corporation (ATLO) Total Return Calculator with Dividends Reinvested

Ames National Corporation

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The total return for Ames National Corporation (ATLO) stock is +70.96% over the past 12 months. So far it's up 26.82% this year. The 5-year total return is +31.49%, meaning $10,000 invested in ATLO stock 5 years ago would be worth $13,149 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in ATLO 1 year ago, it would be worth $16,933 today — you'd have gained $6,933 with dividends reinvested.

With Dividends Reinvested$16,933+69.33%

Price Only (No DRIP)$16,278+62.78%

Dividend Boost+$6554 payments · +6.55% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in ATLO

1Y$17,096+$7,096 (+71.0%)71.0% CAGR

3Y$17,109+$7,109 (+71.1%)19.6% CAGR

5Y$13,149+$3,149 (+31.5%)5.6% CAGR

10Y$15,173+$5,173 (+51.7%)4.3% CAGR

15Y$24,330+$14,330 (+143.3%)6.1% CAGR

20Y$21,128+$11,128 (+111.3%)3.8% CAGR

30Y$75,192+$65,192 (+651.9%)7.0% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-05-30	$0.20	$17.40	+0.011494
2025-08-29	$0.20	$19.98	+0.010125
2025-12-01	$0.20	$21.62	+0.009451
2026-02-27	$0.24	$27.01	+0.009162

Loading ATLO total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+26.82%	—	+25.77%	+1.06 pp	$12,683
1Y	+70.96%	70.96%	+66.09%	+4.88 pp	$17,096
3Y	+71.09%	19.60%	+56.88%	+14.21 pp	$17,109
5Y	+31.49%	5.63%	+12.87%	+18.63 pp	$13,149
10Y	+51.73%	4.26%	+13.54%	+38.19 pp	$15,173
15Y	+143.30%	6.11%	+67.35%	+75.95 pp	$24,330
20Y	+111.28%	3.81%	+32.71%	+78.56 pp	$21,128
30Y	+651.92%	6.96%	+327.50%	+324.41 pp	$75,192

Risk & Highlights

Best Year+45.13%2016

Worst Year-27.28%2001

Max Drawdown-6.14%2026-02-17 → 2026-03-18 · Recovered 2026-03-31

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+19.83%	+18.78%	+1.1pp	+0.41%	+19.4pp
2025	+44.97%	+40.09%	+4.9pp	+16.64%	+28.3pp
2024	-18.16%	-22.90%	+4.7pp	+24.00%	-42.2pp
2023	-5.04%	-9.61%	+4.6pp	+24.81%	-29.9pp
2022	+1.56%	-2.84%	+4.4pp	-19.95%	+21.5pp

ATLO outperformed the S&P 500 by 39.64pp over the past year (+70.96% vs +31.32%).

Loading summary...

ATLO Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
ATLOAmes National Corporation	$253M	+0.3%	+26.8%	+71.0%	+4.9pp	+71.1%	+31.5%	+51.7%
MVBFMVB Financial Corp.	$334M	+1.4%	+2.8%	+50.7%	+3.8pp	+63.0%	-26.2%	+132.5%
FBIZFirst Business Financial Services, Inc.	$470M	+0.8%	+6.5%	+19.7%	+3.2pp	+135.1%	+125.3%	+158.8%
HFWAHeritage Financial Corporation	$934M	+3.7%	+17.9%	+22.7%	+5.1pp	+92.6%	+11.4%	+107.4%
CZWICitizens Community Bancorp, Inc.	$203M	+4.6%	+21.3%	+42.9%	+0.7pp	+159.5%	+73.4%	+156.6%
MOFGMidWestOne Financial Group, Inc.	$1.0B	—	+30.2%	+77.2%	+3.4pp	+168.6%	+71.1%	+112.8%
IROQIF Bancorp, Inc.	$89M	—	-1.6%	+11.4%	+0.8pp	+82.2%	+24.1%	+55.3%
STBAS&T Bancorp, Inc.	$1.6B	+3.7%	+14.4%	+23.4%	+3.8pp	+84.8%	+49.0%	+125.5%
BFINBankFinancial Corporation	$150M	—	+0.0%	-0.2%	+2.4pp	+75.6%	+30.6%	+23.9%
CFFIC&F Financial Corporation	$241M	+2.0%	+5.3%	+18.6%	+2.9pp	+59.5%	+87.7%	+135.0%
SBCFSeacoast Banking Corporation of Florida	$3.1B	+1.8%	-0.2%	+32.2%	+3.0pp	+69.1%	-10.5%	+122.1%

Compare:ATLO vs MVBF ATLO vs FBIZ ATLO vs HFWA ATLO vs MVBF vs FBIZ

About ATLO Dividend Returns

Ames National Corporation (ATLO) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of ATLO over the past year?

Ames National Corporation (ATLO) delivered a total return of 70.96% over the past year when dividends are reinvested. The price-only return was 66.09%, meaning dividends contributed an additional 4.88 percentage points to total returns.

Q2How much would $10,000 invested in ATLO be worth today?

A $10,000 investment in Ames National Corporation one year ago would be worth $17,096 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $16,609. Dividend reinvestment added $488 to the portfolio value.

Q3Does ATLO pay dividends?

Yes, Ames National Corporation (ATLO) pays dividends. In the last year, ATLO paid approximately $0.80 per share in dividends (2.79% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did ATLO beat the S&P 500?

Yes, Ames National Corporation (ATLO) outperformed the S&P 500 by 39.64 percentage points over the past year. ATLO delivered a total return of 70.96%, compared to the S&P 500's 31.32%. This 39.64pp alpha means investors in ATLO earned more than a passive S&P 500 index fund.

Q5What is ATLO's worst drawdown?

Ames National Corporation (ATLO) experienced a maximum drawdown of -6.14% over the past year, declining from its peak on 2026-02-17 to its trough on 2026-03-18. The stock recovered to its prior peak by 2026-03-31. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is ATLO's long-term total return over 10, 20, or 30 years?

Here are Ames National Corporation (ATLO)'s long-term returns with dividends reinvested. Over 10 years, the total return is 51.7% (4.3% CAGR) — $10,000 would have grown to $15,173. Over 20 years: 111.3% total return (3.8% CAGR) — $10,000 → $21,128. Over 30 years: 651.9% total return (7.0% CAGR) — $10,000 → $75,192. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was ATLO's best and worst year?

Ames National Corporation's best calendar year was 2016 with a total return of 45.1%. Its worst year was 2001 with a total return of -27.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 72.4 percentage points.