ATLO - NASDAQ
Ames National Corporation
$29.11
+0.19%Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, and Union counties in central, north-central, and south-central Iowa. The company accepts a range of deposits, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. It also provides loans, such as short-term and medium-term commercial and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; 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, the company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit of payroll and social security check, 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 based in Ames, Iowa.
At a Glance
Live SnapshotAmes National Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Ames National Corporation Cash Flow Statement
ATLO • NASDAQ
| Ames National Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
19M | 10.2M | 10.8M | 19.3M | 23.9M | 18.9M | 17.2M | 17M | 13.7M | 15.7M | 15M | 15.3M | 14M | 14.2M | 13.9M | 13M | 9M | 6.4M | 11M | 10.9M | |
264K | 1.7M | 1.8M | 2M | 2M | 2.3M | 1.8M | 1.6M | 1.5M | 1.6M | 1.6M | 1.2M | 1.1M | 984.6K | 741.7K | 748K | 1.7M | 1.1M | 842.3K | 1.1M | |
-50K | 755K | 1.5M | 2M | 1.4M | -448K | 549.3K | -69.9K | 858.4K | 174.4K | 1.9M | 32.5K | -420.1K | -182.3K | 570K | 439.8K | 50.2K | -3.7M | 131K | 107.2K | |
2.5M | 1.3M | 2.2M | 1M | 3.2M | 7.5M | -30.1K | 2M | 4M | 3.3M | 4.3M | 3.5M | 6.6M | 6.4M | 4.7M | 2.9M | 4.2M | 9.6M | -1.6M | -1.3M | |
(4.5M) | (626K) | (1.8M) | (5M) | (6.3M) | (5.5M) | (4M) | (4.6M) | (6.9M) | (5.8M) | (4.3M) | (5.7M) | (5.7M) | (5M) | (4M) | (3.9M) | (1.6M) | (0.0) | (0.0) | (0.0) | |
-368K | 345K | 2.9M | -3.1M | -5K | 1.5M | 621.3K | 185.2K | -1.2M | 608.4K | -206.6K | -441.3K | 2.4M | 671.1K | 1.3M | -192.3K | -3.6M | -632.1K | 342.1K | 217.5K | |
21.3M | 14.3M | 19.2M | 21.2M | 30.5M | 29.7M | 20.2M | 20.7M | 18.8M | 21.4M | 22.6M | 19.5M | 23.5M | 22M | 21.3M | 16.8M | 11.4M | 12.7M | 10.8M | 11.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -298K | -4.9M | -2.9M | -1.9M | -1.2M | -780.4K | -616.5K | -518.2K | -267.8K | -2.2M | -1.6M | -445.8K | -863.4K | -554.1K | -362.5K | -203K | -220.1K | -1.9M | -2.6M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -310K | -19.1M | -13.4M | (0.0) | (0.0) | (0.0) | (16.4M) | (0.0) | (44.3M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-119.1M | -15.3M | -6.4M | -141.3M | -375.4M | -238.6M | -86.9M | -26M | -64.2M | -78.1M | -100.8M | -65.9M | -164.7M | -224M | -197.3M | -208.4M | -252.1M | -140.7M | -89M | -81.8M | |
139.4M | 112.4M | 76M | 96.1M | 120.6M | 135.2M | 106.7M | 72.3M | 79.8M | 90.4M | 101M | 117.2M | 150.5M | 140.2M | 164.4M | 155.2M | 151.9M | 156.1M | 106.8M | 52.8M | |
24M | -24.7M | -45.6M | -79.3M | -11.9M | -79.2M | -78.8M | -23.7M | -32M | -55.5M | -32.4M | -49.9M | -33.3M | -36.7M | -31.8M | -786.2K | 37.1M | -21.8M | -33.5M | 15.8M | |
(44.2M) | (72M) | (19.1M) | -127.4M | -268.6M | -184.3M | -79M | (8.6M) | -16.9M | -43.5M | -34.4M | (16.2M) | -47.9M | -77M | -65.3M | -54.3M | -63.3M | -6.6M | -17.6M | -15.8M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-1.7M | -704K | 0.0 | -2.3M | -710K | -2M | -1.8M | -452.2K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -2M | 0.0 | 0.0 | 69.2K | 98.9K | 127K | |
-39.2M | -63.6M | 71.5M | 36.1M | 2.6M | -2M | -9.6M | -11.9M | -1M | -4M | -5.9M | 2.9M | -70.5K | -568.3K | -3.6M | 2.2M | -7.9M | 19.8M | 16.6M | 676.9K | |
-7.1M | -9.1M | -9.7M | -9.7M | -9.4M | -9.1M | -8.8M | -10.8M | -8.1M | -7.7M | -7.3M | -6.5M | -5.9M | -5.4M | -4.7M | -4.1M | -5.5M | -10.5M | -10.1M | -9.7M | |
-1.7M | -704K | (0.0) | -2.3M | -710K | -2M | -1.8M | -452.2K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -2M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
8M | 33.3M | -72.8M | 20.8M | 161.7M | 218.9M | 83.2M | -2.2M | 4.1M | 39.3M | 25.2M | -32.6M | 19.8M | 72.9M | 61.7M | 36.1M | 59.3M | -16.8M | 9.8M | 12M | |
-40M | -40.2M | -11.1M | 44.9M | 154.1M | 205.8M | 63M | -25.4M | -5M | 27.5M | 12M | -36.2M | 13.9M | 66.9M | 51.3M | 34.2M | 46M | -7.4M | 16.3M | 3.1M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
25.5M | 46.1M | 27.2M | -61.2M | -84M | 51.3M | 4.2M | 4M | -3.1M | 5.5M | 275.5K | -539.8K | -10.5M | 12M | 7.4M | -3.3M | -5.9M | -1.3M | 9.5M | -1.6M | |
101.2M | 55.1M | 27.9M | 89.1M | 173.1M | 121.8M | 30.4M | 26.4M | 29.5M | 24M | 23.7M | 24.3M | 34.8M | 22.8M | 15.5M | 18.8M | 24.7M | 26M | 16.5M | 18.1M | |
126.8M | 101.2M | 55.1M | 27.9M | 89.1M | 173.1M | 34.6M | 30.4M | 26.4M | 29.5M | 24M | 23.7M | 24.3M | 34.8M | 22.8M | 15.5M | 18.8M | 24.7M | 26M | 16.5M | |
20.7M | 14M | 14.3M | 18.4M | 28.6M | 28.5M | 19.4M | 20.1M | 18.2M | 20.7M | 20.4M | 17.9M | 23.1M | 21.1M | 20.7M | 16.5M | 11.2M | 12.5M | 8.8M | 8.5M |
SEC Filings
ATLO - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 15, 2026 | May 13, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 01, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 13, 2026 | April 29, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 13, 2026 | February 11, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 23, 2026 | January 23, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 13, 2025 | November 12, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 |
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