Ames National (ATLO) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Ames National had a P/E ratio of 10.73 (down from 14.46), return on equity of 10.0% (up from 6.0%), debt-to-equity of 0.29 (down from 0.57) and return on assets of 0.9% (up from 0.5%). Its dividend yield was 2.60% with a payout ratio of 37.4%.

Ames National Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	10.73	14.46	17.74	11.00	9.31	11.63
Forward P/E	14.71	14.71	14.71	14.71	14.71	14.71
P/S Ratio	3.14	2.76	3.67	3.37	3.34	3.71
P/B Ratio	0.98	0.85	1.16	1.42	1.07	1.05
Price/Tangible Book	1.05	0.92	1.26	1.58	1.16	1.13
Price/FCF	9.86	10.55	13.41	11.55	7.79	7.70
Price/OCF	9.57	10.33	9.99	10.00	7.31	7.38
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	9.95%	6.00%	6.87%	10.81%	11.46%	9.50%
Return on Assets (ROA)	0.89%	0.48%	0.50%	0.90%	1.16%	1.02%
Leverage & Solvency Ratios
Debt/Equity	0.29	0.57	1.00	0.54	0.21	0.19
Debt/FCF	2.92	7.12	11.55	4.34	1.50	1.42
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	9.32%	6.92%	5.64%	9.09%	10.74%	8.60%
FCF Yield	10.14%	9.48%	7.46%	8.65%	12.84%	12.99%
Dividend Yield	2.60%	5.69%	5.06%	4.57%	4.25%	5.27%
Payout Ratio	37.38%	88.88%	89.78%	50.15%	39.26%	48.13%
Buyback Yield	1.07%	0.01%	0.46%	0.89%	0.37%	0.96%
Total Return	3.67%	5.70%	5.52%	5.46%	4.62%	6.23%

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Ames National Financial Ratios

What is Ames National's P/E ratio?

Ames National's P/E ratio was 10.73 for fiscal 2025 (period ended Dec 31, 2025). It was 14.46 a year earlier.

What is Ames National's return on equity?

Ames National's return on equity (ROE) was 10.0% for fiscal 2025 (period ended Dec 31, 2025). It was 6.0% a year earlier.

What is Ames National's debt-to-equity ratio?

Ames National's debt-to-equity ratio was 0.29 for fiscal 2025 (period ended Dec 31, 2025). It was 0.57 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition