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

Community West Bancshares

Virginia National Bankshares Corp.

Penns Woods Bancorp, Inc.

Ames National Corp.

Colony Bankcorp, Inc.

Princeton Bancorp, Inc.

C&F Financial Corp.

MainStreet Bancshares, Inc.

Codorus Valley Bancorp, Inc.

California BanCorp

BCB Bancorp, Inc.

Why is Ames National Corp. ?

Weak Long Term Fundamental Strength with a 0.19% CAGR growth in Net Profits

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

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.

62.78%

1.58

23.61%

S&P 500

30.29%

0.62

19.30%

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)

3.33%

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

35.14%

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

1.15

EV to EBIT

7.23

EV to EBITDA

6.84

EV to Capital Employed

1.23

EV to Sales

1.87

PEG Ratio

0.14

Dividend Yield

3.16%

ROCE (Latest)

17.07%

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

19What is working for the Company

NII(Q)

Highest at USD 15.23 MM

ROCE(HY)

Highest at 0.89%

NET SALES(Q)

Highest at USD 22.64 MM

OPERATING PROFIT(Q)

Highest at USD 8.28 MM

OPERATING PROFIT MARGIN(Q)

Highest at 36.57 %

PRE-TAX PROFIT(Q)

Highest at USD 8.28 MM

NET PROFIT(Q)

Highest at USD 6.51 MM

EPS(Q)

Highest at USD 0.73

-7What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 13.88 MM

ROCE(HY)

Lowest at 0.89%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 27.4%

CREDIT DEPOSIT RATIO(HY)

Lowest at 69.98%

Here's what is working for Ames National Corp.

NII

Highest at USD 15.23 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 22.64 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 8.28 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 36.57 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 8.28 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 8.28 MM has Grown at 66.17%

over average net sales of the previous four periods of USD 4.98 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 6.51 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 6.51 MM has Grown at 62.59%

over average net sales of the previous four periods of USD 4.01 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.73

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

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

Operating Cash Flow

Lowest at USD 13.88 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Lowest at 69.98%

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 27.4%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)