ATLO PEER ANALYSIS

Ames National Corporation — metric-by-metric comparison with peers and the industry median

ATLOAmes National Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

ATLOIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	ATLO	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
P/E	11.95	—	15.35	—	2.98●	8.74	12.58
P/B	1.24	32,231.47	3.91	294,240.03	0.72●	1.34	1.26
EV/EBITDA	-14.16●	428,448.47	-9.42	3,913,015.14	2.22	-8.72	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ATLO	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
Current Ratio	53.78●	—	—	—	—	0.25	0.31
Debt/Equity	26.5%	0.0%●	0.0%●	0.0%●	0.0%●	17.0%	38.0%
NetDebt/EBITDA	-23.31	-28.33	-20.34	-28.34●	-0.47	-14.68	-0.58

Profitability
Metric	ATLO	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
Net Margin	21.6%	28.1%	24.7%	28.1%	54.9%●	20.1%	20.6%
ROE	11.0%	20.2%	28.9%●	20.2%	27.4%	14.9%	10.9%
ROA	1.0%	1.8%	1.1%	1.8%	3.7%●	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	ATLO	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	89.7%●	71.8%	—	71.7%	-1.3%	16.0%	19.4%
Div. Yield	2.1%	—	—	—	—	4.8%●	2.5%
Payout	34.6%	—	—	—	—	—	31.4%

Valuation
Metric	ATLO	BPRN	CFFI	LCNB	OVLY	VABK	Ind. Median
P/E	11.95	12.99	9.06●	10.79	11.50	12.04	12.58
P/B	1.24	0.92	0.96	0.90●	1.33	1.29	1.26
EV/EBITDA	-14.16●	1.42	-1.82	11.84	—	9.21	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ATLO	BPRN	CFFI	LCNB	OVLY	VABK	Ind. Median
Current Ratio	53.78●	0.12	1.35	1.20	0.09	0.02	0.31
Debt/Equity	26.5%	7.8%●	38.9%	40.2%	—	15.8%	38.0%
NetDebt/EBITDA	-23.31●	-7.78	-8.44	3.10	—	0.25	-0.58

Profitability
Metric	ATLO	BPRN	CFFI	LCNB	OVLY	VABK	Ind. Median
Net Margin	21.6%	14.2%	14.9%	18.5%	26.7%●	24.2%	20.6%
ROE	11.0%	7.2%	11.3%	8.6%	12.3%●	11.3%	10.9%
ROA	1.0%	0.9%	1.0%	1.0%	1.2%	1.2%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	ATLO	BPRN	CFFI	LCNB	OVLY	VABK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	89.7%●	72.6%	29.4%	41.8%	-2.4%	12.5%	19.4%
Div. Yield	2.1%	3.3%	2.2%	4.8%●	2.0%	3.2%	2.5%
Payout	34.6%	46.6%	21.4%	54.5%	23.7%	38.8%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.