Ames National Corporation (ATLO) Stock Score, Valuation & Financial Research
Ames National Corporation is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 57/100.
Quick answer for ATLO
Ames National Corporation currently has a Wall Street Score of 57/100. The stored market price is $32.49. Its financial score is 64/100. Its valuation score is 97/100. The latest WSS change is +0.9 points. These figures are a research snapshot, not a buy or sell recommendation.
What Ames National Corporation does
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.
ATLO financial snapshot
- Wall Street Score:
- 57/100
- Current price:
- $32.49
- Market capitalization:
- $287.8M
- Revenue:
- $101.5M
- Net income:
- $23.0M
- Free cash flow:
- $20.7M
- Cash:
- $107.2M
- Total debt:
- $47.4M
- EPS:
- 2.58
- P/E ratio:
- 12.6x
- Financial score:
- 64/100
- Valuation score:
- 97/100
- Revenue score:
- 31/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $20.7M, showing positive cash generation.
- The balance sheet shows $107.2M of cash versus $47.4M of total debt, leaving more cash than debt.
- The latest Wall Street Score change is +0.9 points: ATLO increased 0.9 points because Valuation improved by 14.6 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 64/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research ATLO
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.