Ames National Corp. (ATLO) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Ames National Corp.

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California BanCorp

Why is Ames National Corp. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 4 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 22.58 MM
NII(Q) Highest at USD 15.43 MM
NET PROFIT(HY) At USD 12.47 MM has Grown at 79.33%

With ROA of 0.55%, it has a fair valuation with a 1.18 Price to Book Value

Over the past year, while the stock has generated a return of 70.58%, its profits have risen by 86.2% ; the PEG ratio of the company is 0.2

High Institutional Holdings at 39.24%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 4.1% over the previous quarter.

Market Beating Performance

The stock has generated a return of 70.58% in the last 1 year, much higher than market (S&P 500) returns of 25.41%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Ames National Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Ames National Corp. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Ames National Corp.

70.58%

2.24

20.71%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

7.73%

EBIT Growth (5y)

3.13%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

28.05%

Pledged Shares

Institutional Holding

39.24%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.18

EV to EBIT

7.55

EV to EBITDA

7.05

EV to Capital Employed

1.28

EV to Sales

1.93

PEG Ratio

0.15

Dividend Yield

3.09%

ROCE (Latest)

16.92%

ROE (Latest)

9.15%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 22.58 MM

NII(Q)

Highest at USD 15.43 MM

NET PROFIT(HY)

At USD 12.47 MM has Grown at 79.33%

ROCE(HY)

Highest at 1%

GROSS NPA (%)

-4What is not working for the Company

ROCE(HY)

Lowest at 1%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 35.67%

CREDIT DEPOSIT RATIO(HY)

Lowest at 68.67%

Here's what is working for Ames National Corp.

NII

Highest at USD 15.43 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 22.58 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Lowest at 1.11%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Net Profit

At USD 12.47 MM has Grown at 79.33%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Here's what is not working for Ames National Corp.

Credit Deposit Ratio

Lowest at 68.67%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 35.67%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)