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Ames National Corp (ATLO)
NASDAQ: ATLO · Real-Time Price · USD
Financial Services · Banks - Regional
33.92+0.23 (+0.67%)
Insider Score
/ 100
ATLO Insider Score
AMES NATIONAL CORP has a live Insider Score.
Scored on 4 qualifying trades from 3 insiders in the last 90 days.
Financial Health Score
Strong
From ATLO’s reported statements · Q3 2026 (trailing 12 months)
Profitability20 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $104.2M
- Net income
- $25.5M
- Net margin
- 24.4%
Leverage20 / 20
Little or no net debt.
- Total debt
- $34.8M
- Cash
- $75.2M
- Net debt / EBITDA
- -1.23x
Liquidity0 / 20
Owes more within a year than it holds to pay it.
- Current assets
- $767.4M
- Current liabilities
- $1.87B
- Current ratio
- 0.41
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $22.0M
- Free cash flow
- $21.6M
- FCF margin
- 20.8%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 8.9M
- Share growth (1y)
- -0.7%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
ATLO Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 27.10 M | 25.98 M | 25.00 M | 26.09 M | 24.39 M | 24.13 M |
| Revenue Growth (YoY) | 11.11 % | 7.68 % | 5.65 % | 9.25 % | 5.46 % | 4.20 % |
| Cost of Revenue | 6.74 M | 7.10 M | 6.44 M | 7.41 M | 8.43 M | 8.13 M |
| Gross Profit | 20.35 M | 18.88 M | 18.56 M | 18.68 M | 15.96 M | 16.00 M |
| SG&A Expense | 1.02 M | 910.00 K | 770.00 K | 7.44 M | 6.63 M | 540.00 K |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 11.22 M | 11.17 M | 10.87 M | 11.06 M | 10.24 M | 10.36 M |
| Operating Income | 9.13 M | 7.71 M | 7.69 M | 7.62 M | 5.71 M | 5.64 M |
| Pretax Income | 9.13 M | 7.71 M | 7.69 M | 8.28 M | 5.71 M | 5.64 M |
| Tax Provision | 2.08 M | 1.78 M | 1.73 M | 1.76 M | 1.16 M | 1.13 M |
| Net Income | 7.05 M | 5.93 M | 5.96 M | 6.51 M | 4.56 M | 4.51 M |
| EPS (Basic) | 0.80 | 0.67 | 0.67 | 0.73 | 0.51 | 0.51 |
| EPS (Diluted) | 0.80 | 0.67 | 0.67 | 0.73 | 0.51 | 0.51 |
| Shares Outstanding | 8.86 M | 8.86 M | 8.92 M | 8.92 M | 8.92 M | 8.92 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.