ROARABLE
FREE $100K
My Trading Account →
▾
Trading Profile Active
Active Trader
Verified Trader
⚡ My $100K Trading Account → ★ My Saved Watchlist →
🟢 My $100K Account → Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / ATLO / earnings
FUNC (67) QNBC (70) BPRN (62) ISBA (60) ⌘ Pro Terminal →

Ames National Corporation (ATLO) Next Earnings Date & Expected ±5.7% Move

$34.24 +2.18% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $34.31

Ames National Corporation (ATLO) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $296.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ATLO Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ATLO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Ames National Corporation (NASDAQ: ATLO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $34.24 (+2.18% 1D, market cap $296.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, ATLO ranks #160 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ATLO compare to FUNC and QNBC in the Financials sector?
▼

Within the Financials sector (Major Banks), ATLO carries a Roarable C+ (68/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 9.2%. By comparison, FUNC (First United Corporation) holds a C+ grade (67/100 RQD, P/E 12.1x, ROIC 12.0%, cap $295.8M) and QNBC (QNB Corp.) posts a B- grade (70/100 RQD, P/E 20.8x, ROIC 10.9%, cap $293.0M). Among the 5-stock peer group, FUNC leads on earnings multiple (12.1x) while FUNC leads on capital efficiency (12.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ATLO?
▼

Per ATLO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001132651), Ames National Corporation generated $896.1M in revenue (+0.0% YoY), $19.0M in net income, and $20.7M in free cash flow against $2.13B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $34.31 (+0.20%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510068
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- · Rk C
Cash (12)Whales (14)SEC (13)Macro (13)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+4.5% Base Target
$42 Bull$36 Base$28 Bear
📬 FREE ATLO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ATLO)Realized 20D OHLCV Swing Band: ±5.7%
Deterministic 5-Pillar Attribution (68/100 Composite)
🔍 WHY ATLO SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±5.7% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 0% operating margin leave 8 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
60
Grade C$31.90+1.2% Next Q
Q2 (-2Q)
63
Grade C+$32.29+5.4% Next Q
Q3 (-1Q)
65
Grade C+$34.03+0.6% Next Q
Current
68
Grade C+$34.24+1.8% Hist 90D α
Trajectory: C (60) → C+ (68)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ATLO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, ATLO faces multiple-compression risk if 15.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($32.28) or 200D SMA ($29.55) invalidates the momentum regime and cuts Target Base ($35.78) toward Bear Floor ($27.91).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ATLO• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “ATLO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 68%NO 32%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±5.7% Swing Band

±$1.95 Expected Swing
$32.29 (-5.7%)Spot $34.24$36.19 (+5.7%)
MODEL EARNINGS SETUP GAUGE

ATLO Quantitative Pre-Earnings Setup: 68/100

Trailing EPS: $2.15 • YoY Revenue Growth: 12.4%

Model Bullish Setup (68/100)Model Risk Weight (32/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$896.1M$19.0M$20.7M52%
FY 20242024-12-31$895.9M$10.2M$14.0M52%
FY 20232023-12-31$73.0M$10.8M$19.2M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating ATLO & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on ATLO
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
ATLO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.20%⚡ TESTING RESISTANCE
2026-11-03O $33.86H $34.24L $33.51C $34.24VOL 18.1K
RES: $34.65SUP: $30.69SMA50: $32.28SMA200: $29.55
$35.31$32.03$28.76$25.48$22.20RES $34.65SUP $30.69$34.242026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ATLO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ATLO Butterfly Map → + Track ATLO →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.3%/yr Implied 5Y Growth

vs. +0.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ATLO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ATLO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ATLO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ATLO)

Financials Rank #160 of 1097 ⚔️ FUNC vs ATLO Full Matrix →

1. Head-to-Head Financials Peer Comparison (ATLO vs. FUNC, QNBC, BPRN, ISBA)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Ames National Corporation (ATLO) ranks #160 by composite RQD confidence (68/100, grade C+) and #808 by equity capitalization ($296.8M). Within this direct 5-issuer industry benchmark cohort, FUNC leads on earnings valuation at 12.1x trailing P/E, while FUNC leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. QNBC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with ATLO at 68/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
ATLO ACTIVE
Ames National Corporation
C+ 68/100 15.8x — 9.2% +2.18% $296.8M Benchmark Subject
FUNC
First United Corporation
C+ 67/100 12.1x — 12.0% +1.70% $295.8M /func-vs-atlo →
QNBC
QNB Corp.
B- 70/100 20.8x — 10.9% +0.72% $293.0M /qnbc-vs-atlo →
BPRN
Princeton Bancorp Inc. (PA)
C 62/100 15.8x — 6.9% +2.26% $292.9M /bprn-vs-atlo →
ISBA
Isabella Bank Corporation
C- 60/100 16.0x — 8.2% +2.98% $302.4M /isba-vs-atlo →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001132651 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Ames National Corporation (ATLO) reported GAAP revenue of $896.1M (+0.0% vs. FY2024 revenue of $895.9M , and +1127.7% cumulative change since FY2023) , GAAP net income of $19.0M, operating cash flow of $21.3M, and free cash flow of $20.7M (+47.8% YoY). On the balance sheet, ATLO closed FY2025 with $2.13B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $896.1M $19.0M $21.3M $20.7M $2.13B —
FY2024 (FY) 2024-12-31 $895.9M $10.2M $14.3M $14.0M $2.13B —
FY2023 (FY) 2023-12-31 $73.0M $10.8M $19.2M $19.2M — —

3. ATLO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ATLO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Ames National Corporation (NASDAQ: ATLO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $34.24 (+2.18% 1D, market cap $296.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, ATLO ranks #160 in composite RQD confidence.

How does ATLO compare to FUNC and QNBC in the Financials sector?

Within the Financials sector (Major Banks), ATLO carries a Roarable C+ (68/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 9.2%. By comparison, FUNC (First United Corporation) holds a C+ grade (67/100 RQD, P/E 12.1x, ROIC 12.0%, cap $295.8M) and QNBC (QNB Corp.) posts a B- grade (70/100 RQD, P/E 20.8x, ROIC 10.9%, cap $293.0M). Among the 5-stock peer group, FUNC leads on earnings multiple (12.1x) while FUNC leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ATLO?

Per ATLO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001132651), Ames National Corporation generated $896.1M in revenue (+0.0% YoY), $19.0M in net income, and $20.7M in free cash flow against $2.13B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ATLO trading relative to its 50-day, 200-day, and 52-week technical levels?

ATLO last traded at $34.24 (+2.18% on volume of 26,128 shares), positioning the stock +6.07% above its 50-day simple moving average ($32.28) and +15.87% above its 200-day simple moving average ($29.55). Across its 52-week range of $20.51 to $34.52, ATLO sits at the 98.0% percentile with a 14-day RSI of 58.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.7% ($32.29 to $36.19).

Direct Sub-Reports: ATLO RQD Cockpit ATLO 12M Forecast ATLO Earnings & Move ATLO Dividends & DRIP ATLO Insiders & 13F ATLO Whale Options ATLO Profit Sankey ATLO News & Why
ROARABLE RATING BRIEF • RQD 68/100 (C+) ✓ SEC XBRL & RQD VERIFIED

ATLO — Ames National Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Ames National Corporation (ATLO) earns a live Roarable RQD composite score of 68/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $34.24 (+2.18% 1D, market capitalization $296.8M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 9.2%, gross margin of —, operating margin of —, and free cash flow yield of 6.90%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Ames National Corporation (ATLO) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry..3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Ames National Corporation (ATLO) reported $896.1M in annual revenue (up from $895.9M in FY2024, +0.0% YoY) and $19.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($73.0M revenue, $10.8M net income) through FY2025, ATLO scaled operating cash flow to $21.3M and free cash flow to $20.7M, backed by $2.13B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 68/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.90% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $20.51 – $34.52 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 15.8x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies are therefore — Sector correlation data is not provided beyond the Financials / Major Banks classification and beta of 1.0.

  • Key Question #1: Can ATLO sustain or expand its — operating margin and 9.2% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $896.1M and free cash flow of $20.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is ATLO's 14.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

ATLO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Ames National Corporation (ATLO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ATLO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ATLO Bull vs. Bear Conversation Board — What's Your Call at $34.24?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ATLO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ATLO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $42.22 (+26.0%)
📌 Pinned Debate

Insider conviction scores 16/20, the strongest RQD pillar, alongside FCF yield of 6.9% and a forward P/E of 14.7.

Long ATLO at $33.51 targeting $42.22. Insider conviction scores 16/20, the strongest RQD pillar, alongside FCF yield of 6.9% and a forward P/E of 14.7.. Institutional whale score is 14/20 and the risk/reward vs. the $20.51 52-week low is skewed heavily in favor of bulls.

EarningsSniper 🐂 BULL

@ForensicBear Shorting a 14/20 institutional whale-flow stock at $33.51 is dangerous when funds are rotating into Financials.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $25.13 (-25.0%)
Spot @ $33.51

Valuation & margin reality check on ATLO at $33.51 before chasing here

Sitting on the sidelines or leaning short ATLO above $33.51. Valuation & margin reality check on ATLO at $33.51 before chasing here. Until Fundamental Cash Engine (12/20) and FCF yield (6.9%) inflect higher, upside is capped near $34.52.

LIVE TAPE