Ames National Corporation

FAIRATLO · NASDAQ · Financial Services
ATLO·NASDAQ·Financial Services
FAIR VALUE
Ames National Corporation
7.1%fair value
MARKET PRICE
$28.05
FAIR PRICE
$30.04
MARGIN
$1.99
UNDERVALUEDFAIROVERVALUED
P/E RATIO
11.6x
DIV. YIELD
3.00%
ROE
10.7%
MARKET CAP
$248M
FPI
fairpriceindex.com

FAIR PRICE VALUATION

7.1%fair value

Updated daily

Model: DCF 50% · Relative 30% · Consensus 20%

MARKET PRICE

$28.05

FAIR PRICE

$30.04

MARGIN

$1.99

UNDERVALUEDFAIROVERVALUED

P/E Ratio

11.6x

What is P/E? →

Div. Yield

3.00%

ROE

10.7%

Average

Market Cap

$248M

Small-cap

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FPI RATING

3.7/ 10

Strong profitability and attractive valuation, but below-average fundamental quality and volatile earnings pattern.

Analytical data, not an investment recommendation. Updated daily.

How we calculate this ↗

MARGIN OF SAFETY

A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.

$24.03CONSERVATIVE ENTRY
$30.04FAIR PRICE
$28.05MARKET PRICE

SAFETY MARGIN

20%

Below fair value

ENTRY LEVEL

$24.03

Fair price × 0.80

DISTANCE

14.3%

Price to entry level

At the current price of $28.05, ATLO trades 14.3% above the conservative entry level of $24.03. This entry level represents a 20% margin of safety below the calculated fair price of $30.04 — a buffer that accounts for estimation uncertainty in the valuation model.

Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗

VALUATION HISTORY

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P/E RATIO HISTORY

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METHODOLOGY

How we calculate ATLO's fair price

Ames National Corporation's fair price of $30.04 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $28.05, ATLO trades 7.1% below its calculated fair value.

DCF MODEL · 50%

Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting ATLO's risk profile.

RELATIVE · 30%

Comparing ATLO's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.

ANALYST · 20%

Aggregated analyst price targets for ATLO, weighted by recency and analyst accuracy.

TRY IT YOURSELF

Want to test your own assumptions? Use our free calculators to estimate ATLO's fair value with your own inputs.

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FAQ

What is the fair price of ATLO?+

Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Ames National Corporation is $30.04. At the current market price of $28.05, ATLO trades 7.1% below its calculated fair value.

Is ATLO overvalued or undervalued?+

Ames National Corporation is currently fair based on our valuation model. The stock trades at $28.05, which is 7.1% below the fair price of $30.04. The P/E ratio of 11.6x is a key metric in the valuation.

What is the margin of safety for ATLO?+

With a 20% margin of safety applied to the fair price of $30.04, the conservative entry level for ATLO is $24.03. At the current market price of $28.05, the stock trades 14.3% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.

How often is ATLO's fair price updated?+

We update fair price calculations for ATLO daily after market close. The current fair price of $30.04 incorporates the latest market data and sector multiples.

What factors affect ATLO's fair price calculation?+

ATLO's fair price of $30.04 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 11.6x, ROE of 10.7%, and dividend yield of 3.00%.

Is ATLO a good buy right now?+

At $28.05, ATLO trades 7.1% below our fair value estimate of $30.04. The stock is currently fair. ROE stands at 10.7% (average). Fair Price Index provides valuation data — always do your own research before investing.

Does ATLO pay dividends?+

ATLO has a dividend yield of 3.00%.

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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.