Yahoo Finance report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
Why ATLO Stock surged +2.18% Today — RQD Quant Desk Flash
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.
🤖 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?
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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.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does ATLO compare to FUNC and QNBC in the Financials sector?
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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).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for ATLO?
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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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
20D Institutional Volume Accumulation (±5.7% realized swing band)
Capital intensity & 0% operating margin leave 8 pts on the table
⚔️ Adversarial Opposing Case: Why the ATLO Bull Thesis Could Fail
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Why ATLO Stock surged +2.18% Today — RQD Quant Desk Flash
Ames National Corporation (ATLO) surged +2.18% to $34.24, trading at 98% of its 52-week range ($20.51 – $34.52). Solid steady margins (9% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 98% of its 52-week range ($20.51 – $34.52) with RSI-14 at 58.4 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.7% around $34.24 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $20.7M annual free cash flow.
TradingView report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
Stock Traders Daily report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
Ames National just posted its Q3 2026 scorecard and the stock barely flinched. Shares edged up only 0.1% to about US$32 even as the earnings story revolved around one thing: profitability. Quarterly earnings per share ca
Ames National (ATLO) delivered earnings and revenue surprises of +17.65% and +5.80%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Scheduled RQD Strong Buys & Whale Accumulation Briefing (ATLO Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
ATLO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +0.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ATLO today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ATLO. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ATLO)
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 ENABLEDIs 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).
ATLO — Ames National Corporation: What the Facts Mean to a Prospective Investor
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
Yahoo Finance report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
Stock Traders Daily report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Ames National Corporation (ATLO) market action, institutional positioning, and fundamental catalysts.
ATLO Bull vs. Bear Conversation Board — What's Your Call at $34.24?
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.
@ForensicBear Shorting a 14/20 institutional whale-flow stock at $33.51 is dangerous when funds are rotating into Financials.
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.