AMES NATIONAL CORP
AMES NATIONAL CORP
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 21 | 20 | 23 | 24 | 20 | 20 | 23 | 25 | 18 | 24 | 22 | 22 | |||||
Interest Bearing Deposits In Banks | 97 | 106 | 85 | 71 | 143 | 82 | 36 | 38 | 93 | 31 | 68 | 71 | |||||
Cash And Cash Equivalents At Carrying Value | 118 | 127 | 108 | 95 | 163 | 101 | 59 | 63 | 111 | 55 | 90 | 93 | |||||
Available For Sale Securities Debt Securities | - | - | - | - | 640 | 649 | 689 | 691 | 723 | 736 | 737 | 759 | |||||
Debt Securities Available For Sale Excluding Accru… | 689 | 656 | 651 | 645 | - | 649 | - | - | - | - | - | - | |||||
Federal Home Loan Bank Stock And Federal Reserve B… | 3 | 3 | 3 | 3 | 3 | 4 | 5 | 4 | 4 | 3 | 4 | 4 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | 1,232 | 1,233 | |||||
Notes Receivable Net | - | - | - | - | 1,306 | 1,304 | 1,296 | 1,281 | 1,273 | 1,278 | - | - | |||||
Assets | |||||||||||||||||
Assets | 2,143 | 2,134 | 2,108 | 2,093 | 2,184 | 2,133 | 2,123 | 2,126 | 2,192 | 2,155 | 2,154 | 2,174 | |||||
Financing Receivable Excluding Accrued Interest Af… | 1,265 | 1,280 | 1,276 | 1,280 | - | 1,304 | - | - | - | - | - | - | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 1 | 0 | 1 | 0 | 1 | 0 | 0 | 1 | 1 | 0 | 0 | 1 | |||||
Property Plant And Equipment Net | 21 | 21 | 21 | 21 | 21 | 22 | 22 | 22 | 22 | 23 | 22 | 21 | |||||
Interest Receivable | 13 | 14 | 15 | 12 | 12 | 14 | 15 | 12 | 12 | 13 | 14 | 11 | |||||
Other Real Estate | 0 | 0 | - | - | - | 0 | - | - | - | - | - | - | |||||
Bank Owned Life Insurance | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Deferred Income Tax Assets Net | 9 | 7 | 9 | 10 | 12 | 14 | 11 | 16 | 17 | 16 | 23 | 20 | |||||
Finite Lived Intangible Assets Net | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | |||||
Goodwill | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | |||||
Other Assets | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 12 | 5 | 5 | 5 | 5 | |||||
Noninterest Bearing Deposit Liabilities | 331 | 354 | 310 | 309 | 337 | 358 | 335 | 341 | 354 | 371 | 372 | 390 | |||||
Deposits | 1,867 | 1,855 | 1,833 | 1,819 | 1,906 | 1,847 | 1,802 | 1,821 | 1,872 | 1,812 | 1,829 | 1,863 | |||||
Deposits Negotiable Order Of Withdrawal N O W | 661 | 636 | 659 | 630 | 663 | 620 | 612 | 619 | 645 | 612 | 616 | 609 | |||||
Time Deposits At Or Above F D I C Insurance Limit | 81 | 86 | 92 | 89 | 88 | 85 | 80 | 73 | 77 | 68 | 74 | 67 | |||||
Federal Funds Purchased And Securities Sold Under … | 37 | 39 | 41 | 40 | 46 | 52 | 43 | 41 | 53 | 54 | 61 | 48 | |||||
Dividends Payable Current And Noncurrent | 0 | 0 | 0 | 0 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Interest Payable Current And Noncurrent | 2 | 3 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 5 | 4 | 2 | |||||
Accounts Payable And Accrued Liabilities Current A… | 10 | 8 | 8 | 7 | 9 | 7 | 7 | 6 | 6 | 6 | 6 | 5 | |||||
Liabilities | 1,935 | 1,926 | 1,907 | 1,900 | 2,001 | 1,958 | 1,940 | 1,959 | 2,026 | 1,990 | 2,007 | 2,019 | |||||
Common Stock Value | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | |||||
Additional Paid In Capital | 12 | 12 | 13 | 13 | 13 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | |||||
Stockholders Equity | |||||||||||||||||
Retained Earnings Accumulated Deficit | 200 | 196 | 191 | 188 | 184 | 182 | 181 | 180 | 180 | 180 | 181 | 180 | |||||
Stockholders Equity | 208 | 208 | 201 | 193 | 183 | 175 | 183 | 167 | 166 | 166 | 147 | 155 | |||||
Accumulated Other Comprehensive Income Loss Availa… | -22 | -18 | -21 | -26 | -32 | -39 | -29 | -45 | -47 | -47 | -66 | -57 | |||||
Liabilities And Stockholders Equity | 2,143 | 2,134 | 2,108 | 2,093 | 2,184 | 2,133 | 2,123 | 2,126 | 2,192 | 2,155 | 2,154 | 2,174 | |||||
Common Stock Par Or Stated Value Per Share | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Common Stock Shares Authorized | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | |||||
Common Stock Shares Issued | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | |||||
Shares Outstanding | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.45% | 7.93% | 5.92% | - | - | - | - | - | - | - | - | - |
| 2025 | 0.80% | 1.49% | 6.65% | 9.04% | 11.38% | 13.68% | 3.46% | 10.45% | 16.14% | 6.46% | 8.52% | 7.88% |
| 2024 | -0.92% | -0.97% | 4.49% | 3.49% | 0.87% | -8.94% | -6.03% | -8.74% | -1.77% | -4.61% | -1.78% | -2.28% |
| 2023 | 2.77% | 0.06% | 10.16% | -5.84% | -14.26% | -16.43% | 7.30% | 19.89% | 18.54% | 8.09% | 5.73% | 10.57% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.53 | -0.57 | -0.62 | -0.66 | -0.71 | -0.29 | 0.16 | 0.72 | 1.35 | 1.43 | 1.64 | 2.03 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | - | 90,466.03 | 90,958.01 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | - | 0.00 | 0.00 | |||||
Per Share Metrics | |||||||||||||||||
| Free Cash Flow Per Share TTM | 2.45 | 2.33 | 2.17 | 2.22 | 2.20 | 1.56 | 1.50 | 1.28 | 1.19 | 1.59 | 1.57 | 1.83 | |||||
| Dividend Per Share TTM | 0.84 | 0.80 | 0.80 | 0.88 | 0.95 | 1.01 | 1.08 | 1.08 | 1.08 | 1.08 | 1.08 | 1.08 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -367.27% | -401.21% | -478.30% | -524.62% | -558.91% | -608.68% | -749.08% | -732.17% | -730.97% | -657.22% | -410.50% | -296.03% | |||||
| Operating Profit Margin TTM | 425.33% | 380.58% | 347.57% | 300.39% | 247.49% | 230.53% | 205.38% | 227.14% | 250.93% | 277.24% | 327.70% | 406.85% | |||||
| Net Profit Margin TTM | 335.42% | 303.41% | 279.54% | 244.31% | 204.30% | 192.43% | 174.96% | 192.17% | 212.10% | 232.67% | 269.56% | 329.88% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 15.54% | 18.10% | 13.41% | 12.70% | 18.81% | 14.22% | 4.10% | 4.37% | -2.99% | -5.85% | 0.89% | -2.76% | |||||
| Net Income Growth (1Y) | 89.70% | 86.21% | 81.21% | 43.27% | 14.44% | -5.54% | -32.44% | -39.20% | -42.78% | -43.93% | -35.13% | -26.42% | |||||
| EPS Growth (1Y) | 90.99% | 88.22% | 83.20% | 44.75% | 15.40% | -5.53% | -32.44% | -39.20% | -42.78% | -43.68% | -35.13% | -25.87% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 11.50 | 10.55 | 10.93 | 11.17 | 13.12 | 13.63 | 17.27 | 17.75 | 16.60 | 15.91 | 10.06 | 8.98 | |||||
| P/B TTM | 1.19 | 0.97 | 0.87 | 0.79 | 0.81 | 0.80 | 0.83 | 1.02 | 1.00 | 1.04 | 0.90 | 0.91 | |||||
| P/S TTM | 38.59 | 32.02 | 30.56 | 27.29 | 26.79 | 26.23 | 30.22 | 34.12 | 35.20 | 37.01 | 27.11 | 29.64 | |||||
| Market Cap | 247.86M | 200.78M | 175.18M | 152.86M | 148.95M | 139.30M | 152.76M | 169.58M | 164.72M | 172.07M | 131.65M | 141.13M | |||||
| Enterprise Value | 129.71M | 74.02M | 67.01M | 57.65M | -14.44M | 38.08M | 93.79M | 106.14M | 53.31M | 116.97M | 41.59M | 47.83M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 21.73M | 20.70M | 19.34M | 19.73M | 19.62M | 14.00M | 13.47M | 11.50M | 10.68M | 14.31M | 14.10M | 16.46M | |||||
| Net Debt | -118.15M | -126.75M | -108.16M | -95.21M | -163.39M | -101.23M | -58.97M | -63.44M | -111.40M | -55.10M | -90.06M | -93.30M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Average Equity | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
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| Days Payables Outstanding TTM | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
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| Altman C | |||||||||||||||||
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| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
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| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
AMES NATIONAL CORP (ATLO) — SEC Financial Statements & Analysis
AMES NATIONAL CORP (ATLO) is a national commercial banks company, incorporated in X1. AMES NATIONAL CORP trades on Nasdaq as: ATLO. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), AMES NATIONAL CORP reported a 15.54% year-over-year revenue growth, a Gross Profit Margin of -367.27% (TTM), a Price-to-Sales (P/S) ratio of 38.59x (TTM), a Price-to-Book (P/B) ratio of 1.19 (TTM), at a market cap of $247.86M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 15.54%
- Gross Profit Margin TTM
- -367.27%
- P/S TTM
- 38.59x
- P/B TTM
- 1.19
- Market Cap
- $247.86M
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is AMES NATIONAL CORP in?
AMES NATIONAL CORP (ATLO) operates in the National Commercial Banks industry.
What is ATLO's market cap?
AMES NATIONAL CORP (ATLO) has a market capitalization of $247.86M as of 2026-03-31.
What is ATLO's P/E ratio?
AMES NATIONAL CORP (ATLO)'s trailing twelve month P/E ratio is 11.50x as of 2026-03-31.
What exchange does ATLO trade on?
AMES NATIONAL CORP (ATLO) trades on the Nasdaq.
Where is AMES NATIONAL CORP incorporated?
AMES NATIONAL CORP is incorporated in United States.