Ames National Corporation
NASDAQ•ATLO
CEO: Mr. John P. Nelson
セクター: Financial Services
業種: Banks - Regional
上場日: 2000-02-15
Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, and Union counties in central, north central, and south-central Iowa. The company accepts various deposit products, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. It also provides loans, such as short-term and medium-term commercial and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; consumer loans to finance consumer purchases, such as automobiles, trucks, recreational vehicles, household furnishings, boats, personal loans, and lines of credit; agricultural and business operating loans and lines of credit; and originates mortgage loans for sale into the secondary market. In addition, the company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit, and automated/video teller machine access services; and automatic drafts for various accounts, as well as wealth management services. Further, it provides farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and online, mobile, and private banking services. Ames National Corporation was incorporated in 1903 and is headquartered in Ames, Iowa.
連絡先情報
時価総額
$244.71M
PER (TTM)
12.9
15.2
配当利回り
2.9%
52週高値
$28.35
52週安値
$16.09
52週レンジ
順位39Top 39.1%
4.2
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.2 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$26.09M+9.25%
直近4四半期の推移
EPS
$0.73+87.18%
直近4四半期の推移
フリーCF
$0.00+0.00%
直近4四半期の推移
2025 Q3 決算ハイライト
主なハイライト
Net Income Soars YTD YTD Net Income reached $12.51M, nearly doubling $6.71M last year, driven by strong net interest income performance.
FTE NIM Significantly Improves Q3 2025 FTE Net Interest Margin hit 2.83%, a substantial increase from 2.21% last year due to higher loan yields.
Capital Ratios Remain Strong Consolidated CET1 ratio stood at 14.1% as of September 30, 2025, well above regulatory minimums and prior year levels.
Loan Portfolio Slightly Contracts Net loans decreased to $1.28B from $1.30B at year-end, primarily due to payoffs in the commercial real estate segment.
リスク要因
Asset Quality Deterioration Problem loans ratio rose to 1.51% of total loans (up from 1.17%), driven by increases in Substandard-Impaired commercial real estate loans.
CRE Exposure Heightened Risk CRE and multi-family loans represent 40.6% of the loan portfolio; management notes heightened risk due to interest rates.
Credit Loss Provisions Rising Nine-month credit loss expense increased to $1.70M from $722K, reflecting increased specific reserves in CRE and operating loans.
Texas Ratio Covenant Breach Modified Texas Ratio (21.3%) breached the 20% covenant limit, though the lender waived noncompliance for the period.
見通し
NIM Outlook Positive Improved yields on loans and investments, coupled with lower funding costs, are expected to support strong net interest income.
Credit Risk Monitoring Intensified Management maintains rigorous review of CRE/multi-family portfolios due to current economic pressures and elevated interest rates.
Capital Levels Sufficient Capital levels exceed 'well capitalized' guidelines; unrealized investment losses are excluded from regulatory capital calculations.
No Material Policy Changes No material changes in risk factors or critical accounting policies identified since year-end 2024 filing.
同業比較
売上高 (TTM)
$318.00M
$205.49M
$166.66M
粗利益率 (最新四半期)
CBNA91.8%
80.5%
71.7%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| ATLO | $244.71M | 12.9 | 9.7% | 2.8% |
| NKSH | $243.31M | 15.4 | 9.0% | 0.0% |
| MRBK | $233.81M | 10.7 | 11.8% | 6.5% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
3.3%
緩やかな成長
4四半期純利益CAGR
23.7%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい
深度リサーチ
次回決算:2026年4月15日
EPS:-
|売上高:-
財務レポート
財務データ
全年度
Form 10-Q - Q3 2025
会計期末: 2025年9月30日|提出日: 2025年11月7日|売上高: $24.39M+5.5%|EPS: $0.51+104.0%不明Form 10-Q - Q2 2025
会計期末: 2025年6月30日|提出日: 2025年8月8日|売上高: $24.13M+4.2%|EPS: $0.51+112.5%不明Form 10-Q - Q1 2025
会計期末: 2025年3月31日|提出日: 2025年5月9日|売上高: $23.67M+6.2%|EPS: $0.39+50.0%不明Form 10-K - FY 2024
会計期末: 2024年12月31日|提出日: 2025年3月12日|売上高: $92.44M+10.7%|EPS: $1.14-5.0%不明Form 10-Q - Q3 2024
会計期末: 2024年9月30日|提出日: 2024年11月8日|売上高: $23.13M+9.5%|EPS: $0.25-24.2%予想を下回るForm 10-Q - Q2 2024
会計期末: 2024年6月30日|提出日: 2024年8月9日|売上高: $23.15M+11.3%|EPS: $0.24-14.3%予想を下回るForm 10-Q - Q1 2024
会計期末: 2024年3月31日|提出日: 2024年5月8日|売上高: $22.29M+14.6%|EPS: $0.26-27.8%予想を下回るForm 10-K - FY 2023
会計期末: 2023年12月31日|提出日: 2024年3月8日|売上高: $83.52M+17.2%|EPS: $1.20-43.9%予想を下回る