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Upturn AI SWOT - About
Ames National Corporation (ATLO)
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Upturn Advisory Summary
04/01/2025: ATLO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -21.74% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 158.35M USD | Price to earnings Ratio 17.98 | 1Y Target Price - |
Price to earnings Ratio 17.98 | 1Y Target Price - | ||
Volume (30-day avg) 12465 | Beta 0.55 | 52 Weeks Range 15.34 - 21.27 | Updated Date 03/30/2025 |
52 Weeks Range 15.34 - 21.27 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 4.54% | Basic EPS (TTM) 0.97 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.32% | Operating Margin (TTM) 22.72% |
Management Effectiveness
Return on Assets (TTM) 0.41% | Return on Equity (TTM) 5.36% |
Valuation
Trailing PE 17.98 | Forward PE - | Enterprise Value 217325392 | Price to Sales(TTM) 2.91 |
Enterprise Value 217325392 | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 3.72 | Enterprise Value to EBITDA - | Shares Outstanding 8992170 | Shares Floating 8811424 |
Shares Outstanding 8992170 | Shares Floating 8811424 | ||
Percent Insiders 1.79 | Percent Institutions 27.62 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Ames National Corporation
Company Overview
History and Background
Ames National Corporation is a bank holding company operating community banks in central Iowa. Founded in 1975, it has grown through acquisitions and organic expansion, focusing on relationship banking and local community involvement.
Core Business Areas
- Community Banking: Offers a range of traditional banking services, including checking and savings accounts, loans, and investment products, primarily to individuals and small to medium-sized businesses.
- Wealth Management: Provides investment advisory services, trust administration, and financial planning for individuals and families.
- Insurance Services: Offers insurance products and services through its subsidiary.
Leadership and Structure
The company is led by a board of directors and an executive management team. It operates with a decentralized structure, allowing each subsidiary bank to maintain its local identity and customer relationships.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data not publicly available. Competitors include larger regional and national banks.
- Residential Mortgages: Loans to individuals for purchasing or refinancing homes. Market share data not publicly available. Competitors include mortgage lenders and credit unions.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data not publicly available. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. It is currently influenced by interest rate fluctuations, technological advancements, and evolving customer preferences.
Positioning
Ames National Corporation positions itself as a community-focused bank, emphasizing personalized service and local decision-making. Its competitive advantages include strong customer relationships and a reputation for stability.
Total Addressable Market (TAM)
The TAM is the total banking market in Central Iowa. Ames National Corporation's position depends on its ability to attract and retain customers within this region.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Solid financial performance
- Experienced management team
- Strong capital position
Weaknesses
- Limited geographic diversification
- Dependence on local economy
- Smaller scale compared to larger competitors
- Vulnerability to interest rate fluctuations
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Increased adoption of digital banking services
- Growth in wealth management business
Threats
- Increased competition from larger banks
- Regulatory changes
- Economic downturn
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- EWBC
- FFBC
- HBNC
Competitive Landscape
Ames National Corporation faces competition from larger regional and national banks, as well as credit unions and other financial institutions. Its advantage lies in its local focus and customer relationships, but it may lack the resources and scale of larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data needs to be sourced from the company's SEC filings. Placeholder provided in the JSON structure below to demonstrate data formatting.
Future Projections: Future projections data needs to be sourced from the company's SEC filings. Placeholder provided in the JSON structure below to demonstrate data formatting.
Recent Initiatives: Ames National Corporation has been focused on organic growth and improving efficiency. Recent initiatives might include expanding digital banking offerings and investing in technology.
Summary
Ames National Corporation is a community-focused bank with a solid reputation in central Iowa. Its strength lies in established customer relationships and local presence. However, it needs to address challenges like competition from larger banks, interest rate risks, and the need for technological advancements to maintain its competitive edge.
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EWBC
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Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports (where available)
- FDIC Data
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ames National Corporation
Exchange NASDAQ | Headquaters Ames, IA, United States | ||
IPO Launch date 2000-02-15 | President, CEO & Director Mr. John P. Nelson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 249 | Website https://www.amesnational.com |
Full time employees 249 | Website https://www.amesnational.com | ||
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. The company accepts various deposit products, 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, 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, the company 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 incorporated in 1903 and is headquartered in Ames, Iowa.
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