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Home CompaniesAmes National Corporation

Ames National Corporation

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
33.94 USD 0.04 ( 0.12%)
Last update at 2026-11-09T15:43:00Z
VOLUME
4901
Market Cap
251.03M
P/E
13.38

Momentum Score

…

Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union Counties in central, north-central, and south-central Iowa. It accepts various deposit products, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. The company also provides loans, such as short-term and medium-term commercial, multi-family 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, it 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 founded in 1903 and is headquartered in Ames, Iowa.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
33.91
Low
34.13
High
52 Week Price Range
15.88
Low
29.71
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Ames National Corporation is the bank holding company for a community bank in Ames, Iowa that provides commercial and consumer lending, deposits, mortgage and wealth-management services. Long-term growth may be supported by organic loan expansion, modest fee-income diversification and a stable local deposit base, which could make the company attractive for investors seeking a small regional banking franchise.
Key risks include geographic concentration in central Iowa exposing results to local cycles, credit deterioration in commercial and agricultural loans, competition from larger banks and fintech, plus regulatory costs for the franchise.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
33.90
Dividend Yield
2.10%
Revenue TTM
65.03M
Revenue Per Share
7.31
Gross Profit TTM
65.03M
Debt / Equity
0.29
ROE
9.95%
Net Debt
39.67M
ROCE
1.33%
Diluted EPS TTM
2.11

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 23.87M 12.24M 12.89M 25.16M 30.67M
Net income 19.03M 10.22M 10.82M 19.29M 23.91M
Selling general administrative 20.75M 26.31M 24.76M 23.52M 22.86M
Selling and marketing expenses 0.49M - 1.36M - -
Gross profit 65.14M 54.22M 53.05M 62.93M 66.53M
Reconciled depreciation 1.59M 1.69M 1.75M 0.57M 0.63M
Ebit 23.21M 12.24M 12.89M 34.89M 30.67M
Ebitda 24.67M 13.93M 14.64M 35.47M 31.30M
Depreciation and amortization 1.46M 1.69M 1.75M 0.57M 0.63M
Operating income 23.21M 12.24M 12.89M 34.89M 30.67M
Other operating expenses 75.06M 80.20M 70.63M -28.04M -35.86M
Interest expense 31.43M 37.63M 29.68M 8.31M 4.49M
Tax provision 4.84M 2.02M 2.07M 5.87M 6.76M
Interest income 87.09M 82.61M 74.30M 61.55M 60.48M
Net interest income 55.66M 44.98M 44.62M 53.24M 56.00M
Income tax expense 4.84M 2.02M 2.07M 5.87M 6.76M
Total revenue 98.26M 92.44M 83.52M 62.93M 66.53M
Total operating expenses 41.93M 41.98M 40.16M -28.04M -35.86M
Cost of revenue 33.13M 38.22M 30.46M - -
Total other income expense net 0.66M 63.80M 12.89M -9.73M -4.49M
Net income from continuing ops 19.03M 10.22M 10.82M 19.29M 23.91M
Net income applicable to common shares - - - 19.29M 23.91M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2133.54M 2133.18M 2159.50M 2134.93M 2137.04M
Intangible assets 0.79M 1.09M 1.43M 1.93M 2.50M
Other current assets 1280.22M - 76.96M 1193.00M 326.42M
Total liab 1925.65M 1958.47M 1993.71M 1985.83M 3.00M
Total stockholder equity 207.89M 174.71M 165.79M 149.10M 207.78M
Other current liab 356.33M 1846.68M 1228.28M 1897.96M 2.36M
Common stock 17.71M 17.90M 17.98M 17.98M 18.18M
Capital stock 17.71M 17.90M 17.98M 17.98M 18.18M
Retained earnings 195.99M 182.24M 180.44M 179.93M 170.38M
Good will 12.42M 12.42M 12.42M 12.42M 12.42M
Other assets 142.75M 126.14M 0.00M 474.97M 326.42M
Cash 20.48M 107.39M 64.00M 42.55M 106.05M
Total current liabilities 395.13M 1902.30M 1284.70M 1906.03M 1926.26M
Current deferred revenue - - -2.28M - -
Net debt 39.67M -8.03M 100.58M -3.43M -103.05M
Short term debt 38.80M 52.41M 53.99M - -
Short long term debt total 60.15M 99.36M 164.58M 39.12M 3.00M
Other stockholder equity 12.13M 13.63M 14.25M 14.25M 16.35M
Property plant equipment - - - 18.89M 17.51M
Total current assets 1956.66M 316.04M 76.96M 840.27M 947.18M
Long term investments 360.55M 648.51M 736.39M 786.44M 831.00M
Net tangible assets - - - 134.74M 192.85M
Short term investments 655.95M 194.79M 736.39M 786.44M 831.00M
Net receivables 1280.22M 13.86M 12.95M 11.28M 10.12M
Long term debt 21.35M 46.95M 110.59M 39.12M 3.00M
Inventory - - -1253.71M - -
Accounts payable 2.56M 3.21M 4.71M 8.07M 1878.02M
Accumulated other comprehensive income -17.95M -39.06M -46.89M -63.07M 2.86M
Common stock total equity - - - 17.98M 18.18M
Retained earnings total equity - - - 179.93M 170.38M
Non currrent assets other -7.49M 10.01M 1981.29M -22.13M -1.92M
Non current assets total 34.13M 1817.14M 2082.54M 819.69M 863.44M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 20.25M 71.98M 19.06M -46.38M -255.04M
Change to liabilities - - - -0.49M -1.64M
Total cashflows from investing activities 44.21M 71.98M 19.06M -127.38M -268.64M
Net borrowings -25.60M -63.64M 71.47M 36.95M 2.56M
Total cash from financing activities -40.02M -40.15M -11.05M 44.91M 154.13M
Change to operating activities - - - -1.93M -1.02M
Net income 19.03M 10.22M 10.82M 19.29M 23.91M
Change in cash 25.53M 46.13M 27.22M -61.24M -83.97M
Begin period cash flow 101.23M 55.10M 27.88M 89.13M 173.10M
End period cash flow 126.75M 101.23M 55.10M 27.88M 89.13M
Total cash from operating activities 21.34M 14.30M 19.21M 21.23M 30.54M
Depreciation 0.26M 1.69M 1.75M 2.00M 2.03M
Other cashflows from investing activities 23.96M -24.74M -45.61M -78.15M -11.72M
Dividends paid 7.11M 9.08M 9.71M -9.68M -9.39M
Change to account receivables -0.20M -0.91M -1.68M - -
Sale purchase of stock -1.68M -0.70M 0.00M -2.30M -0.71M
Other cashflows from financing activities 7.99M 33.27M -72.81M 60.18M 164.23M
Change to netincome - - - 0.06M 1.41M
Capital expenditures 0.64M 0.30M 4.89M 2.86M 1.87M
Change receivables - - - -1.15M 1.02M
Cash flows other operating - - - -0.61M 1.21M
Cash and cash equivalents changes - - - -61.24M -83.97M
Change in working capital -0.37M 0.34M 2.87M -3.08M -0.01M
Stock based compensation - - -3.50M - 0.16M
Other non cash items 2.47M 1.29M 2.23M 1.03M 3.07M
Free cash flow 20.70M 14.00M 14.31M 18.37M 28.66M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
ATLO
Ames National Corporation		 0.04
0.12%		 33.94 13.38 12.76 3.86 1.22 4.11
DBSDY
DBS Group Holdings Ltd ADR		 2.71
1.26%		 218.59 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 0.03
0.45%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.11
0.32%		 34.84 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 5.05
5.86%		 91.30 11.53 10.27 5.72 1.83 8.22

Profile*

Ames National Corporation

Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union Counties in central, north-central, and south-central Iowa. It accepts various deposit products, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. The company also provides loans, such as short-term and medium-term commercial, multi-family 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, it 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 founded in 1903 and is headquartered in Ames, Iowa.

323 Sixth Street, Ames, IA, United States, 50010

515 232 6251

https://www.amesnational.com

247

Name Title Year Born
Mr. John P. Nelson Pres, CEO & Director 1967
Mr. John L. Pierschbacher CPA CFO, Sec. & Director 1959
Mr. Scott T. Bauer Pres & Director of First National Bank 1963
Mr. Matthew R. Hackbart VP of Technology NA
Mr. Timothy J. Lupardus Chief Information Officer NA
Ms. Lori J. Hill Valuation Services Coordinator & Admin. Officer NA
Buffy S. Clatt VP & Marketing Director NA
Ms. Jennifer J. Hanson VP & HR Director NA
Joel L. Regenwether Sr. VP & Operations Project Mang. NA
Mr. Michael A. Wilson Exec. VP of Innovation & Corp. Services 1964

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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