Ames National Corporation Logo

Ames National Corporation

ATLO

(2.5)
Stock Price

18,18 USD

0.45% ROA

5.92% ROE

16.27x PER

Market Cap.

155.384.698,00 USD

75.78% DER

6.25% Yield

11.85% NPM

Ames National Corporation Stock Analysis

Ames National Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Ames National Corporation Fundamental Stock Analysis
# Analysis Rating
1 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last five years, showcasing a commitment to rewarding shareholders.

2 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

3 ROE

The stock's ROE falls within an average range (8.58%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.61%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.17x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 DER

The stock maintains a fair debt to equity ratio (72%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (79), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

Ames National Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Ames National Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Ames National Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Ames National Corporation Revenue
Year Revenue Growth
2000 4.590.013
2001 27.670.967 83.41%
2002 29.742.517 6.96%
2003 31.410.433 5.31%
2004 32.059.647 2.03%
2005 30.985.711 -3.47%
2006 29.664.196 -4.45%
2007 31.233.298 5.02%
2008 38.158.436 18.15%
2009 35.618.820 -7.13%
2010 36.454.705 2.29%
2011 37.856.020 3.7%
2012 39.755.181 4.78%
2013 41.076.828 3.22%
2014 44.429.748 7.55%
2015 47.237.787 5.94%
2016 48.024.064 1.64%
2017 48.206.123 0.38%
2018 50.024.704 3.64%
2019 53.877.542 7.15%
2020 65.462.974 17.7%
2021 66.534.000 1.61%
2022 62.931.000 -5.73%
2023 52.196.000 -20.57%
2023 83.516.000 37.5%
2024 92.616.000 9.83%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Ames National Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Ames National Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 6.347.357
2001 6.834.588 7.13%
2002 8.074.181 15.35%
2003 9.044.896 10.73%
2004 9.019.139 -0.29%
2005 9.208.902 2.06%
2006 9.408.293 2.12%
2007 10.041.947 6.31%
2008 10.572.597 5.02%
2009 18.523.314 42.92%
2010 13.998.269 -32.33%
2011 14.355.254 2.49%
2012 13.129.688 -9.33%
2013 13.792.683 4.81%
2014 14.775.953 6.65%
2015 15.911.932 7.14%
2016 16.227.572 1.95%
2017 16.421.817 1.18%
2018 18.455.121 11.02%
2019 19.869.545 7.12%
2020 23.181.670 14.29%
2021 22.859.000 -1.41%
2022 23.517.000 2.8%
2023 24.744.000 4.96%
2023 24.759.000 0.06%
2024 9.724.000 -154.62%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Ames National Corporation EBITDA
Year EBITDA Growth
2000 37.706.837
2001 34.652.753 -8.81%
2002 28.489.159 -21.63%
2003 27.878.243 -2.19%
2004 28.842.754 3.34%
2005 32.771.092 11.99%
2006 36.753.509 10.84%
2007 38.930.612 5.59%
2008 24.510.357 -58.83%
2009 22.401.697 -9.41%
2010 29.198.993 23.28%
2011 30.967.343 5.71%
2012 25.666.465 -20.65%
2013 24.757.744 -3.67%
2014 26.623.560 7.01%
2015 26.574.954 -0.18%
2016 28.251.966 5.94%
2017 28.366.208 0.4%
2018 30.587.718 7.26%
2019 21.651.393 -41.27%
2020 24.057.083 10%
2021 31.301.000 23.14%
2022 35.468.000 11.75%
2023 14.604.000 -142.86%
2023 502.000 -2809.16%
2024 344.000 -45.93%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Ames National Corporation Gross Profit
Year Gross Profit Growth
2000 4.590.013
2001 27.670.967 83.41%
2002 29.742.517 6.96%
2003 31.410.433 5.31%
2004 32.059.647 2.03%
2005 30.985.711 -3.47%
2006 29.664.196 -4.45%
2007 -3.171.047.702 100.94%
2008 38.158.436 8410.21%
2009 35.618.820 -7.13%
2010 36.459.205 2.31%
2011 37.856.020 3.69%
2012 39.755.181 4.78%
2013 41.076.828 3.22%
2014 44.429.748 7.55%
2015 47.237.787 5.94%
2016 48.024.064 1.64%
2017 48.206.123 0.38%
2018 50.024.704 3.64%
2019 53.877.542 7.15%
2020 65.462.974 17.7%
2021 66.534.000 1.61%
2022 62.931.000 -5.73%
2023 51.116.000 -23.11%
2023 83.516.000 38.79%
2024 91.360.000 8.59%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Ames National Corporation Net Profit
Year Net Profit Growth
2000 9.118.862
2001 10.547.338 13.54%
2002 11.340.138 6.99%
2003 11.624.685 2.45%
2004 12.389.546 6.17%
2005 11.608.535 -6.73%
2006 10.943.617 -6.08%
2007 11.009.102 0.59%
2008 6.351.996 -73.32%
2009 9.005.786 29.47%
2010 12.966.274 30.54%
2011 13.920.807 6.86%
2012 14.182.308 1.84%
2013 13.953.644 -1.64%
2014 15.251.207 8.51%
2015 15.014.651 -1.58%
2016 15.734.776 4.58%
2017 13.697.189 -14.88%
2018 17.013.878 19.49%
2019 17.194.169 1.05%
2020 18.850.000 8.78%
2021 23.913.000 21.17%
2022 19.293.000 -23.95%
2023 11.696.000 -64.95%
2023 10.817.000 -8.13%
2024 8.736.000 -23.82%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Ames National Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 1
2001 1 100%
2002 1 0%
2003 1 0%
2004 0 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 100%
2011 1 0%
2012 2 0%
2013 2 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 1 0%
2018 2 0%
2019 2 0%
2020 2 50%
2021 3 0%
2022 2 0%
2023 1 -100%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Ames National Corporation Free Cashflow
Year Free Cashflow Growth
2000 7.594.308
2001 9.643.171 21.25%
2002 8.682.013 -11.07%
2003 14.146.351 38.63%
2004 11.804.715 -19.84%
2005 6.316.102 -86.9%
2006 8.495.303 25.65%
2007 8.848.204 3.99%
2008 12.567.894 29.6%
2009 11.196.786 -12.25%
2010 16.459.488 31.97%
2011 20.718.465 20.56%
2012 21.148.390 2.03%
2013 23.079.595 8.37%
2014 17.917.848 -28.81%
2015 20.425.798 12.28%
2016 20.737.215 1.5%
2017 18.219.685 -13.82%
2018 20.073.578 9.24%
2019 19.399.272 -3.48%
2020 28.462.960 31.84%
2021 28.665.000 0.7%
2022 18.373.000 -56.02%
2023 13.921.000 -31.98%
2023 1.063.000 -1209.6%
2024 3.929.000 72.94%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Ames National Corporation Operating Cashflow
Year Operating Cashflow Growth
2000 8.211.640
2001 12.253.360 32.98%
2002 11.220.935 -9.2%
2003 14.828.138 24.33%
2004 13.169.021 -12.6%
2005 9.471.519 -39.04%
2006 11.055.461 14.33%
2007 10.763.728 -2.71%
2008 12.787.984 15.83%
2009 11.399.783 -12.18%
2010 16.822.002 32.23%
2011 21.272.567 20.92%
2012 22.011.765 3.36%
2013 23.525.380 6.43%
2014 19.508.156 -20.59%
2015 22.714.412 14.12%
2016 21.417.316 -6.06%
2017 18.846.070 -13.64%
2018 20.705.081 8.98%
2019 20.179.712 -2.6%
2020 29.711.791 32.08%
2021 30.539.000 2.71%
2022 21.231.000 -43.84%
2023 18.815.000 -12.84%
2023 2.341.000 -703.72%
2024 4.029.000 41.9%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Ames National Corporation Capital Expenditure
Year Capital Expenditure Growth
2000 617.332
2001 2.610.189 76.35%
2002 2.538.922 -2.81%
2003 681.787 -272.39%
2004 1.364.306 50.03%
2005 3.155.417 56.76%
2006 2.560.158 -23.25%
2007 1.915.524 -33.65%
2008 220.090 -770.34%
2009 202.997 -8.42%
2010 362.514 44%
2011 554.102 34.58%
2012 863.375 35.82%
2013 445.785 -93.68%
2014 1.590.308 71.97%
2015 2.288.614 30.51%
2016 680.101 -236.51%
2017 626.385 -8.58%
2018 631.503 0.81%
2019 780.440 19.08%
2020 1.248.831 37.51%
2021 1.874.000 33.36%
2022 2.858.000 34.43%
2023 4.894.000 41.6%
2023 1.278.000 -282.94%
2024 100.000 -1178%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Ames National Corporation Equity
Year Equity Growth
2000 86.177.461
2001 93.621.998 7.95%
2002 101.522.856 7.78%
2003 107.324.995 5.41%
2004 110.923.940 3.24%
2005 109.227.301 -1.55%
2006 112.923.312 3.27%
2007 110.020.523 -2.64%
2008 103.837.450 -5.95%
2009 112.339.888 7.57%
2010 121.363.024 7.43%
2011 134.557.385 9.81%
2012 144.735.735 7.03%
2013 142.106.184 -1.85%
2014 154.674.418 8.13%
2015 161.250.057 4.08%
2016 165.105.243 2.33%
2017 170.753.142 3.31%
2018 172.865.064 1.22%
2019 187.579.472 7.84%
2020 209.486.426 10.46%
2021 207.778.000 -0.82%
2022 149.098.000 -39.36%
2023 165.788.000 10.07%
2023 146.640.000 -13.06%
2024 167.053.000 12.22%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Ames National Corporation Assets
Year Assets Growth
2000 619.384.767
2001 622.279.982 0.47%
2002 677.228.570 8.11%
2003 752.786.464 10.04%
2004 839.752.787 10.36%
2005 819.384.074 -2.49%
2006 838.852.988 2.32%
2007 861.591.148 2.64%
2008 858.140.881 -0.4%
2009 915.569.799 6.27%
2010 962.974.845 4.92%
2011 1.035.563.833 7.01%
2012 1.217.692.099 14.96%
2013 1.233.084.160 1.25%
2014 1.301.030.717 5.22%
2015 1.326.747.143 1.94%
2016 1.366.453.029 2.91%
2017 1.375.059.650 0.63%
2018 1.455.687.351 5.54%
2019 1.737.182.505 16.2%
2020 1.975.647.743 12.07%
2021 2.137.041.000 7.55%
2022 2.134.926.000 -0.1%
2023 2.159.499.000 1.14%
2023 2.154.051.000 -0.25%
2024 2.126.315.000 -1.3%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Ames National Corporation Liabilities
Year Liabilities Growth
2000 533.207.306
2001 528.657.984 -0.86%
2002 575.705.714 8.17%
2003 645.461.469 10.81%
2004 728.828.847 11.44%
2005 710.156.773 -2.63%
2006 725.929.676 2.17%
2007 751.570.625 3.41%
2008 754.303.431 0.36%
2009 803.229.911 6.09%
2010 841.611.821 4.56%
2011 901.006.448 6.59%
2012 1.072.956.364 16.03%
2013 1.090.977.976 1.65%
2014 1.146.356.299 4.83%
2015 1.165.497.086 1.64%
2016 1.201.347.786 2.98%
2017 1.204.306.508 0.25%
2018 1.282.822.287 6.12%
2019 5.000.000 -25556.45%
2020 4.731.211 -5.68%
2021 3.000.000 -57.71%
2022 1.985.828.000 99.85%
2023 1.993.711.000 0.4%
2023 2.007.411.000 0.68%
2024 1.959.262.000 -2.46%

Ames National Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
8.97
Net Income per Share
1.06
Price to Earning Ratio
16.27x
Price To Sales Ratio
1.93x
POCF Ratio
10.9
PFCF Ratio
13.21
Price to Book Ratio
0.93
EV to Sales
2.63
EV Over EBITDA
61.25
EV to Operating CashFlow
14.88
EV to FreeCashFlow
18.04
Earnings Yield
0.06
FreeCashFlow Yield
0.08
Market Cap
0,16 Bil.
Enterprise Value
0,21 Bil.
Graham Number
21.07
Graham NetNet
-207.02

Income Statement Metrics

Net Income per Share
1.06
Income Quality
1.49
ROE
0.06
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.85
EBT Per Ebit
0.91
Ebit per Revenue
0.15
Effective Tax Rate
0.15

Margins

Sales, General, & Administrative to Revenue
0.21
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.97
Operating Profit Margin
0.15
Pretax Profit Margin
0.14
Net Profit Margin
0.12

Dividends

Dividend Yield
0.06
Dividend Yield %
6.25
Payout Ratio
1.02
Dividend Per Share
1.08

Operating Metrics

Operating Cashflow per Share
1.58
Free CashFlow per Share
1.31
Capex to Operating CashFlow
0.17
Capex to Revenue
0.03
Capex to Depreciation
1.44
Return on Invested Capital
0.04
Return on Tangible Assets
0
Days Sales Outstanding
56.51
Days Payables Outstanding
491.03
Days of Inventory on Hand
-206913.76
Receivables Turnover
6.46
Payables Turnover
0.74
Inventory Turnover
-0
Capex per Share
0.28

Balance Sheet

Cash per Share
84,60
Book Value per Share
18,58
Tangible Book Value per Share
17.06
Shareholders Equity per Share
18.58
Interest Debt per Share
16.35
Debt to Equity
0.76
Debt to Assets
0.06
Net Debt to EBITDA
16.38
Current Ratio
0.21
Tangible Asset Value
0,15 Bil.
Net Current Asset Value
-1,88 Bil.
Invested Capital
-268697000
Working Capital
-0,30 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-1364319000
Debt to Market Cap
0.81

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Ames National Corporation Dividends
Year Dividends Growth
2000 2
2001 2 0%
2002 2 0%
2003 2 50%
2004 2 0%
2005 2 -100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%
2024 1 0%

Ames National Corporation Profile

About Ames National Corporation

Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, and Union counties in central, north-central, and south-central Iowa. The company accepts a range of deposits, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. It also provides loans, such as short-term and medium-term commercial and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; 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, the company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit of payroll and social security check, 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 based in Ames, Iowa.

CEO
Mr. John P. Nelson
Employee
268
Address
405 5th Street
Ames, 50010

Ames National Corporation Executives & BODs

Ames National Corporation Executives & BODs
# Name Age
1 Dena M. Gray-Fisher
Vice President & Marketing Director
70
2 Ms. Lori J. Hill
Valuation Services Coordinator & Administrative Officer
70
3 Ms. Jennifer J. Hanson
Vice President & Human Resources Director
70
4 Joel L. Regenwether
Senior Vice President & Operations Project Manager
70
5 Mr. Jeffrey K. Putzier
President & Director of Boone Bank & Trust Co.
70
6 Mr. John P. Nelson
President, Chief Executive Officer & Director
70
7 Mr. Scott T. Bauer
President & Director of First National Bank
70
8 Mr. Michael A. Wilson
Executive Vice President & Chief Lending Officer
70
9 Mr. Justin C. Clausen
Chief Accounting Officer & Chief Financial Officer
70
10 Mr. Timothy J. Lupardus
Senior Vice President & Chief Information Officer
70

Ames National Corporation Competitors