Latest revenue
$6.8M
as of 2026-03-31
Latest net income
$6.0M
as of 2026-03-31
Net margin
87.7%
as of 2026-03-31
ActaClear Score
Computed from 5 years of SEC fundamentals + latest market data, ranked within National Commercial Banks (134 peers). 10 = best in industry, 5 = median, 0 = worst. Refreshed Jun 7, 2026.
Fair value · DCF
DCF: 10-year forecast of free cash flow, discounted at the company's WACC, with a Gordon-growth terminal at year 10. FCF is proxied by last fiscal-year net income (proper FCF needs CFO − CapEx by year, which we don't store yet). Drag the slider to test your own growth thesis — the dominant assumption in any DCF is what comes next, not what the math does with it. Beta defaults to 1.0 when not reported.
Community sentiment
Where do you think ATLO is heading?
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $264.3M
- Enterprise value
- $249.9M
- P/E (trailing)
- 13.9×
- Forward P/E
- —
- P/B
- 1.27×
- Dividend yield
- 2.9%
- 52-wk high
- —
- 52-wk low
- —
- Beta
- —
- Shares out
- 8.9M
5-year trend
What this company does
ITEM 1. BUSINESS General Ames National Corporation (the "Company") is an Iowa corporation and bank holding company registered under the Bank Holding Company Act of 1956, as amended. The Company owns 100% of the stock of six bank subsidiaries consisting of one national bank and five state-chartered banks, as described below. All of the Company’s operations are conducted in the State of Iowa and primarily within the central, north-central and south-central Iowa counties of Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor and Union where the Company’s banking subsidiaries are located. The Company does not engage in any material business activities apart from its ownership of its banking…
AI summary unavailable — showing raw filing excerpt
Generated from ATLO's filing dated 2026-03-12
Key risks
ITEM 1A. RISK FACTORS Set forth below is a description of risk factors related to the Company’s business, provided to enable investors to assess, and be appropriately apprised of, certain risks and uncertainties the Company faces in conducting its business. An investor should carefully consider the risks described below and elsewhere in this Report, which could materially and adversely affect the Company’s business, results of operations or financial condition. The risks and uncertainties discussed below are also applicable to forward-looking statements contained in this Report and in other reports filed by the Company with the Securities and Exchange Commission. Given these risks and…
AI summary unavailable — showing raw filing excerpt
Generated from ATLO's filing dated 2026-03-12
Profitability
Net margin
19.4%
75.2%Return on equity
10.9%
86.2%Return on assets
576.1%
120160.6%Leverage
Debt / equity
-0.98×
108.8%Debt / assets
-5189.3%
5752.2%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $6.8M | +26.1% | $6.0M | +73.1% | 87.7% |
Q4 2025 2025-12-31 | $85.5M | +7.4% | $6.5M | +85.4% | 7.6% |
Q3 2025 2025-09-30 | $3.8M | -2.3% | $4.6M | +105.6% | 118.5% |
Q2 2025 2025-06-30 | $3.5M | -3.2% | $4.5M | +106.5% | 127.3% |
Q1 2025 2025-03-31 | $5.4M | +2.2% | $3.4M | +49.4% | 63.9% |
Q4 2024 2024-12-31 | $79.6M | — | $3.5M | — | 4.4% |
Q3 2024 2024-09-30 | $3.9M | -4.2% | $2.2M | -24.2% | 56.3% |
Q2 2024 2024-06-30 | $3.7M | +4.2% | $2.2M | -14.6% | 59.6% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
National Commercial Banks · SIC 6021
Your notes
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Insider activity
Insider buying
$75.7K
Insider selling
$0
Net activity
+$75.7K
Distinct insiders
9
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns ATLO
Institutional value
$50.5M
Total shares held
1.8M
Distinct holders
48
-33 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | BlackRock, Inc. | 609.2K | $17.2M | -21.4K (-3.4%) | Trimmed |
| 2 | VANGUARD CAPITAL MANAGEMENT LLC | 400.2K | $11.3M | — | New |
| 3 | DIMENSIONAL FUND ADVISORS LP | 273.0K | $7.7M | +7.1K (+2.7%) | Added |
| 4 | LPL Financial LLC | 57.2K | $1.6M | -798 (-1.4%) | Trimmed |
| 5 | VANGUARD FIDUCIARY TRUST CO | 55.9K | $1.6M | — | New |
| 6 | VANGUARD PORTFOLIO MANAGEMENT LLC | 51.5K | $1.5M | — | New |
| 7 | AMES NATIONAL CORP | 46.6K | $1.3M | -12.0K (-20.5%) | Trimmed |
| 8 | O'SHAUGHNESSY ASSET MANAGEMENT, LLC | 33.7K | $950.3K | +7.7K (+29.8%) | Added |
| 9 | CHANNEL WEALTH LLC | 31.3K | $882.8K | — | New |
| 10 | RITHOLTZ WEALTH MANAGEMENT | 31.1K | $878.7K | +11.3K (+57.2%) | Added |
| 11 | NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO | 30.6K | $864.7K | -10.8K (-26.1%) | Trimmed |
| 12 | FIRST TRUST ADVISORS LP | 29.7K | $837.7K | +11.4K (+62.8%) | Added |
| 13 | Bank of New York Mellon Corp | 27.5K | $777.0K | -3.1K (-10.0%) | Trimmed |
| 14 | Connor, Clark & Lunn Investment Management Ltd. | 27.0K | $761.3K | +6.0K (+28.7%) | Added |
| 15 | Nuveen, LLC | 14.8K | $416.3K | +0 (+0.0%) | No change |
| 16 | Foster Group, Inc. | 9.9K | $278.0K | +88 (+0.9%) | Added |
| 17 | Larry Mathis Financial Planning, LLC | 8.4K | $238.3K | — | New |
| 18 | RHUMBLINE ADVISERS | 6.6K | $186.6K | -274 (-4.0%) | Trimmed |
| 19 | DEUTSCHE BANK AG\ | 6.3K | $179.1K | +0 (+0.0%) | No change |
| 20 | Vanguard Global Advisers, LLC | 5.9K | $166.1K | — | New |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once ATLO's latest filing finishes processing.
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