Fairvalue-Calculator Fairvalue-Calculator
EN DE

Ames National Corporation (ATLO) Fair Value & Analysis

Financial Services · US · Market cap $261M

Price$30.27
Fair Value$27.93
Upside-7.7%
Quality95/100
Evidence: High Range $20.94 – $34.91

Fair value as of: Jun 26, 2026

✦ Find undervalued quality stocks — 34,000+ analysed Find stocks →

Analysis

Ames National Corporation (ATLO) currently trades at $30.27, while our model-based Fair Value estimate is $27.93 — implying the stock looks roughly 7.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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. In addition, it offers cash management, merchant credit card processing, safe deposit box, wire …

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +18% PT Bank Central Asia Tbk (BBCA) -1% KB Financial Group (105560) -4% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +66% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +14%

Frequently asked questions

Is Ames National Corporation (ATLO) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $27.93 versus a price of $30.27 — about −8% (overvalued). Model-based estimate, not financial advice.
What is the fair value of ATLO?
Our 21-model fair value for Ames National Corporation is $27.93 (as of Jun 26, 2026), built from audited fundamentals. The current price is $30.27.
What is the quality score of ATLO?
Ames National Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.