AMES National (ATLO) Stock: Buy, Sell, or Hold?

ATLO - AMES National Corp

NATIONAL COMMERCIAL BANKS
$33.70
-0.34 (-1.00%) ▼
5d: +4.76%
30d: +5.94%
90d: +11.48%
HOLD
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Oct 16, 2026 0d

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Interactive Price Chart (1 Month)

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💡
Bottom Line:
📊 HOLD: ATLO is fairly valued with market pricing in 1.9% annual growth. Fine to hold or accumulate slowly on dips.
See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$40.12
Based on 4.7% avg growth
INTRINSIC VALUE TODAY
$24.91
Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.8x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: ATLO is currently trading at $33.70, which is considered extended relative to its 30-day fair value range of $31.54 to $32.71. The stock's valuation (Forward PE: 11.4) is in line with its historical norms (10.8). At these levels, the market is pricing in 1.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, ATLO is in a strong uptrend. The price is approaching resistance at $34.04. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: ATLO scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position EXTENDED
Historical Trading Range $31.54 - $32.71
Company Quality Score 55/100 (HOLD)
Volume Confirmation HIGH
Confidence Score 39.2%

All Signals

  • BEARISH: Price extended above range
  • BULLISH: Options cheap (IV 0th percentile)
  • BEARISH: Weak technical setup (35/100)
  • BULLISH: High volume confirmation
  • NEUTRAL: Near Wall St target ($34.00)
  • NEUTRAL: Market pricing in 1.9% annual earnings growth - fairly valued

Trading Range Analysis

30-Day Trading Range $31.54 - $32.71
Current vs Trading Range EXTENDED
Expected Move (7 Days) ±$1.18 (3.5%)

Support & Resistance Levels

Support Level $30.69
Resistance Level $34.04
Current Trend Strong Uptrend
Technical data as of Oct 23, 2026

Fundamental Context

Forward P/E (Next Year Est.) 11.39
Wall Street Target $34.00 (+0.9%)
Revenue Growth (YoY) 27.6%
Earnings Growth (YoY) 55.2%
Profit Margin 33.3%
Valuation Premium vs History +1.9% premium
PE vs Historical 11.4 vs 10.8 FAIR
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): +1.9% (market-implied from PE analysis)
1-Year Target $34.34 (+2%)
2-Year Target $34.99 (+4%)
3-Year Target $35.66 (+6%)
3-Yr Target (if PE normalizes) (PE: 11→11) PE COMPRESSION $33.83 (+0%)
Earnings growth offset by PE compression
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 19.9, Growth: 5.3%) $68.71 (+104%)
Base: (SPY PE: 11.4, Growth: 5.3%) $39.39 (+17%)
Bear: (PE: 9.7, Growth: 5.3%) $33.48 (-1%)
📈 Valuation based on Current Earnings
Trailing PE: 11.38 | Current EPS (TTM): $2.99
Bull Case $37.07 (+10%)
Analyst growth -1.0%, PE expands to 12.5
Base Case $33.70 (0%)
Market implied -1.0%, PE stable at 11.4
Bear Case $23.15 (-31%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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Last updated: October 23, 2026 8:00 PM ET
Data refreshes hourly during market hours. Next update: 9:00 PM
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Insider Activity (6 Months)
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NEUTRAL

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