ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Ames National Corp. ?
1
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
2
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 15.23 MM
- ROCE(HY) Highest at 0.89%
- NET SALES(Q) Highest at USD 22.64 MM
3
With ROA of 0.75%, it has a fair valuation with a 1.15 Price to Book Value
- Over the past year, while the stock has generated a return of 48.58%, its profits have risen by 86.2% ; the PEG ratio of the company is 0.1
4
High Institutional Holdings at 35.14%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.29% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 48.58% in the last 1 year, much higher than market (S&P 500) returns of 14.90%
Real-Time Research ReportHow 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.
48.58%
1.39
23.55%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.73%
EBIT Growth (5y)
3.33%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
28.05%
Pledged Shares
0
Institutional Holding
35.14%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What 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 periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 22.64 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 8.28 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 36.57 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 8.28 MM
in the last five periodsMOJO 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 MMMOJO 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 periodsMOJO 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 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.73
in the last five periodsMOJO 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 yearsMOJO 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 periodsMOJO 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 yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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