What Is Ames National Corporation (ATLO) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Ames National Corporation's intrinsic value is estimated at a composite fair value of $43.41. While the stock appears modestly undervalued at $29.18 (implied upside of +48.8%), our analysis suggests a thinner margin of safety across 7 of 12 bullish models. Notably, Markov DDM sees the most upside at +217.6% (fair value: $92.67), while EPV is the most conservative at -46.2% ($15.69). The spread between these extremes — +263.8% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About ATLO?
12 of 13 models are currently active for ATLO. Of these, 7 models suggest upside while 5 models suggest overvaluation. The Bayesian DCF estimates ATLO's intrinsic value at $52.37, implying +79.5% upside from the current price. See which stocks rank higher →
How Does ATLO Rank in National Commercial Banks?
Among 90 National Commercial Banks stocks, ATLO ranks #29 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places ATLO in the top tier.
See all Most Undervalued National Commercial Banks Stocks →
The National Commercial Banks sector introduces analytical considerations specific to financial institution businesses. For Ames National Corporation, metrics like CET1 capital ratio provide important context that general-purpose valuation models may underweight.
Is ATLO a Value Trap?
CirclFi's Value Trap algorithm assigns ATLO a score of 15/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Ames National Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Ames National Corporation scores 8.4 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +263.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every ATLO valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across ATLO's 12 active models, average confidence is 46%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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