Ames National Corp

  • Earnings Score
  • Market Cap $155.47M
  • PE 18
  • Debt $NaN
  • Cash $58.97M
  • EV $NaN
  • FCF $13.47M

Earnings

loading chart...

Sales & Net Margins

loading chart...
Earnings$8.84M
EBIT$10.38M
ROE5%
ROA0%
FCF$13.47M
Equity$183.39M
Growth Stability52%
PE17.58
PEG-1.35
PB0.85
P/FCF11.54
Price/Cash0.38
Earnings CAGR-1%
FCF CAGR-3%
Equity CAGR0%
Earnings Stability0.01
Earnings Growth YoY-24%
Earnings Growth QoQ2%
Earnings CAGR 5Y-13%
FCF CAGR 5Y-17%
Equity CAGR 5Y-6%
FCF CAGR 3Y-27%
Equity CAGR 3Y-1%
Market Cap$155.47M
Dividend Yield6%
Payout Ratio110%
Assets$2.12B
Cash$58.97M
Shares Outstanding8.99M
Earnings Score6%
Shares Growth 3y-0%
Equity Growth QoQ10%
Equity Growth YoY25%

Assets & ROA

loading chart...

Stockholders Equity & ROE

loading chart...
Ames National Corporation is a United States-based bank holding company. Through its subsidiaries, it provides checking, savings and time deposits, cash management services, merchant credit card processing, safe deposit boxes, wire transfers, direct deposit of payroll and social security checks, and automated/video teller machine access. Its loan portfolio comprises commercial, residential & agricultural real estate loans; agricultural & business operating loans & lines of credit; equipment loans; vehicle loans; personal loans; and mortgage loans. Its operations are conducted primarily in central, north central, and south-central Iowa.

SEC Filings

Direct access to Ames National Corp (ATLO) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Ames National Corp compare to its competitors?

Loading chart...

Peter Lynch's Chart

This chart shows the current pricing of Ames National Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR -1%
Stability 1%
loading chart...

Ames National Corp Discounted Cash Flow

Fully customizable DCF calculator online for Ames National Corp.

= $110M
012345678910TV
fcf$13M$13M$13M$12M$12M$12M$11M$11M$10M$10M$9.8M$98M
DCF$12M$10M$9.2M$8.1M$7.1M$6.3M$5.5M$4.9M$4.3M$3.8M$38M
Value$110M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023TTM
Net Margins-----------
ROA-2%2%2%2%2%2%1%1%1%0%
ROE-9%10%8%10%9%9%12%13%7%5%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023TTM
Debt over FCF-0.640.610.71-----0.24-
Debt over Equity0.150.080.080.08-----0.02-
Growth Stability---89%100%100%100%100%97%52%52%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023CAGR 5Y
Revenue YoY growth-----------
Earnings YoY growth--2%5%-13%24%1%10%27%-19%-44%-13%
Equity YoY growth-4%2%3%1%9%12%-1%-28%11%-6%
FCF YoY growth-14%4%-13%10%-3%47%1%-36%-22%-17%