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Ames National Corporation

Financial Services US ATLO

30.93USD
0.08(0.26%)

Last update at 2026-06-24T17:46:00Z

Day Range

30.6131.18
LowHigh

52 Week Range

15.8829.71
LowHigh

Fundamentals

  • Previous Close 30.85
  • Market Cap251.03M
  • Volume62314
  • P/E Ratio13.38
  • Dividend Yield2.10%
  • Revenue TTM65.03M
  • Revenue Per Share TTM7.31
  • Gross Profit TTM 65.03M
  • Diluted EPS TTM2.11

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 23.87M 12.24M 12.89M 25.16M 30.67M
Minority interest - - - - -
Net income 19.03M 10.22M 10.82M 19.29M 23.91M
Selling general administrative 20.75M 26.31M 24.76M 23.52M 22.86M
Selling and marketing expenses 0.49M - 1.36M - -
Gross profit 65.14M 54.22M 53.05M 62.93M 66.53M
Reconciled depreciation 1.59M 1.69M 1.75M 0.57M 0.63M
Ebit 23.21M 12.24M 12.89M 34.89M 30.67M
Ebitda 24.67M 13.93M 14.64M 35.47M 31.30M
Depreciation and amortization 1.46M 1.69M 1.75M 0.57M 0.63M
Non operating income net other - - - - -
Operating income 23.21M 12.24M 12.89M 34.89M 30.67M
Other operating expenses 75.06M 80.20M 70.63M -28.03700M -35.86100M
Interest expense 31.43M 37.63M 29.68M 8.31M 4.49M
Tax provision 4.84M 2.02M 2.07M 5.87M 6.76M
Interest income 87.09M 82.61M 74.30M 61.55M 60.48M
Net interest income 55.66M 44.98M 44.62M 53.24M 56.00M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 4.84M 2.02M 2.07M 5.87M 6.76M
Total revenue 98.26M 92.44M 83.52M 62.93M 66.53M
Total operating expenses 41.93M 41.98M 40.16M -28.03700M -35.86100M
Cost of revenue 33.13M 38.22M 30.46M - -
Total other income expense net 0.66M 63.80M 12.89M -9.73300M -4.48500M
Discontinued operations - - - - -
Net income from continuing ops 19.03M 10.22M 10.82M 19.29M 23.91M
Net income applicable to common shares - - - 19.29M 23.91M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2133.54M 2133.18M 2159.50M 2134.93M 2137.04M
Intangible assets 0.79M 1.09M 1.43M 1.93M 2.50M
Earning assets - - - - -
Other current assets 1280.22M - 76.96M 1193.00M 326.42M
Total liab 1925.65M 1958.47M 1993.71M 1985.83M 3.00M
Total stockholder equity 207.89M 174.71M 165.79M 149.10M 207.78M
Deferred long term liab - - - - -
Other current liab 356.33M 1846.68M 1228.28M 1897.96M 2.36M
Common stock 17.71M 17.90M 17.98M 17.98M 18.18M
Capital stock 17.71M 17.90M 17.98M 17.98M 18.18M
Retained earnings 195.99M 182.24M 180.44M 179.93M 170.38M
Other liab - - - - -
Good will 12.42M 12.42M 12.42M 12.42M 12.42M
Other assets 142.75M 126.14M 0.00000M 474.97M 326.42M
Cash 20.48M 107.39M 64.00M 42.55M 106.05M
Cash and equivalents - - - - -
Total current liabilities 395.13M 1902.30M 1284.70M 1906.03M 1926.26M
Current deferred revenue - - -2.28200M - -
Net debt 39.67M -8.02900M 100.58M -3.43300M -103.05100M
Short term debt 38.80M 52.41M 53.99M - -
Short long term debt - - - - -
Short long term debt total 60.15M 99.36M 164.58M 39.12M 3.00M
Other stockholder equity 12.13M 13.63M 14.25M 14.25M 16.35M
Property plant equipment - - - 18.89M 17.51M
Total current assets 1956.66M 316.04M 76.96M 840.27M 947.18M
Long term investments 360.55M 648.51M 736.39M 786.44M 831.00M
Net tangible assets - - - 134.74M 192.85M
Short term investments 655.95M 194.79M 736.39M 786.44M 831.00M
Net receivables 1280.22M 13.86M 12.95M 11.28M 10.12M
Long term debt 21.35M 46.95M 110.59M 39.12M 3.00M
Inventory - - -1253.70700M - -
Accounts payable 2.56M 3.21M 4.71M 8.07M 1878.02M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -17.94800M -39.06300M -46.88700M -63.07000M 2.86M
Additional paid in capital - - - - -
Common stock total equity - - - 17.98M 18.18M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 179.93M 170.38M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -7.49400M 10.01M 1981.29M -22.13000M -1.92200M
Deferred long term asset charges - - - - -
Non current assets total 34.13M 1817.14M 2082.54M 819.69M 863.44M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 20.25M 71.98M 19.06M -46.37600M -255.03900M
Change to liabilities - - - -0.48800M -1.64100M
Total cashflows from investing activities 44.21M 71.98M 19.06M -127.38400M -268.63600M
Net borrowings -25.60000M -63.63600M 71.47M 36.95M 2.56M
Total cash from financing activities -40.02500M -40.15300M -11.05200M 44.91M 154.13M
Change to operating activities - - - -1.92700M -1.02400M
Net income 19.03M 10.22M 10.82M 19.29M 23.91M
Change in cash 25.53M 46.13M 27.22M -61.24500M -83.96800M
Begin period cash flow 101.23M 55.10M 27.88M 89.13M 173.10M
End period cash flow 126.75M 101.23M 55.10M 27.88M 89.13M
Total cash from operating activities 21.34M 14.30M 19.21M 21.23M 30.54M
Issuance of capital stock - - - - -
Depreciation 0.26M 1.69M 1.75M 2.00M 2.03M
Other cashflows from investing activities 23.96M -24.73700M -45.61200M -78.15000M -11.72300M
Dividends paid 7.11M 9.08M 9.71M -9.67500M -9.38900M
Change to inventory - - - - -
Change to account receivables -0.20300M -0.91100M -1.67800M - -
Sale purchase of stock -1.68400M -0.70400M 0.00000M -2.30000M -0.71000M
Other cashflows from financing activities 7.99M 33.27M -72.80800M 60.18M 164.23M
Change to netincome - - - 0.06M 1.41M
Capital expenditures 0.64M 0.30M 4.89M 2.86M 1.87M
Change receivables - - - -1.15100M 1.02M
Cash flows other operating - - - -0.61500M 1.21M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -61.24500M -83.96800M
Change in working capital -0.36800M 0.34M 2.87M -3.07800M -0.00500M
Stock based compensation - - -3.50400M - 0.16M
Other non cash items 2.47M 1.29M 2.23M 1.03M 3.07M
Free cash flow 20.70M 14.00M 14.31M 18.37M 28.66M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
ATLO
Ames National Corporation		 0.08 0.26% 30.93 13.38 12.76 3.86 1.22 4.11
HDB
HDFC Bank Limited ADR		 0.62 2.48% 25.64 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.865 2.89% 29.07 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 - -% 52.37 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.70 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union Counties in central, north-central, and south-central Iowa. It accepts various deposit products, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. The company also provides loans, such as short-term and medium-term commercial, multi-family and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; consumer loans to finance consumer purchases, such as automobiles, trucks, recreational vehicles, household furnishings, boats, personal loans, and lines of credit; agricultural and business operating loans and lines of credit; and originates mortgage loans for sale into the secondary market. In addition, it offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit, and automated/video teller machine access services; and automatic drafts for various accounts, as well as wealth management services. Further, it provides farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and online, mobile, and private banking services. Ames National Corporation was founded in 1903 and is headquartered in Ames, Iowa.

Ames National Corporation

323 Sixth Street, Ames, IA, United States, 50010

Key Executives

Name Title Year Born
Mr. John P. Nelson Pres, CEO & Director 1967
Mr. John L. Pierschbacher CPA CFO, Sec. & Director 1959
Mr. Scott T. Bauer Pres & Director of First National Bank 1963
Mr. Matthew R. Hackbart VP of Technology NA
Mr. Timothy J. Lupardus Chief Information Officer NA
Ms. Lori J. Hill Valuation Services Coordinator & Admin. Officer NA
Buffy S. Clatt VP & Marketing Director NA
Ms. Jennifer J. Hanson VP & HR Director NA
Joel L. Regenwether Sr. VP & Operations Project Mang. NA
Mr. Michael A. Wilson Exec. VP of Innovation & Corp. Services 1964

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