OakChart

Ames National Corp

ATLOFinancial·Banks - Regional·USA·Small·NASD·Nov 12 • 3:59 PM ET

34.19+0.09 (0.26%)
2026-11-13 13:06 CET
Market cap
$302.83M
Revenue, TTM
- USD m
Net income, TTM
25.45 USD m
Free cash flow, TTM
22.33 USD m
EPS diluted, TTM
2.87
Price / earnings
11.90
Compare

Price

ATLO against its 20, 50 and 200-day averages
Terms2050200Beat
Patternshover a marker to name it
RS 100EPS 0.78Price0.660.6825.0030.0035.00186K371KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26ATLOclose 34.1920-day 33.6750-day 32.67200-day 29.8934.1952w high 35.4552-week range, not 6 months

3.6% under the 52-week high of 35.45 on 5 Nov 2026. 52-week low 20.51 on 18 Nov 2025. Last 15 sessions, 10.8% high to low

Volume 0.00× normal · the session has not printed · the line is the 50-bar volume average

Setup. RS line 100
CANSLIM 4 of 6 — fails: Institutional Ownership: Over 50%; Average Volume: Over 200K
VCP 6 of 6
Minervini 4 of 4
Zanger 3 of 5 — fails: Performance: Week +10%; Relative Volume: Over 1.5
Leaders 4 of 5 — fails: Average Volume: Over 500K
Breakout 2 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2
Growth 2 of 4 — fails: EPS Growth Next Year: High (>25%); Return on Equity: Over +15%
Quality 2 of 5 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1); Current Ratio: Over 1
Value 2 of 4 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 2 of 4 — fails: Dividend Growth: Growing 2+ Years; Payout Ratio: Low (<20%)
Small Cap 3 of 4 — fails: Average Volume: Over 500K
Accumulation 3 of 4 — fails: Institutional Transactions: Over +10%
Relative Strength 1 of 3 — fails: Performance: Year +100%; Average Volume: Over 500K

Profile

ATLO
52-week range, 92% of the way up
20.5135.45

Ames National Corp. is a bank holding company, which engages in the provision of banking services through its subsidiaries. Its activities include personal, business, agricultural and commercial lending, management of the investment securities portfolio, deposit account services, and wealth management services. The company was founded on January 21, 1975 and is headquartered in Ames, IA.

IndexRUT
Employees260
IPOMar 31, 2000
Beta0.27
ATR, 14d0.91
Rel volume0.00
Short float2.53%
Insider own2.00%
Inst own41.82%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap$302.83M
Enterprise Value-
Income25.45M
Sales104.16M
Book / share23.23
Cash / share-
Dividend Est.-
Dividend TTM0.92 (2.69%)
Dividend Ex-DateSep 01, 2026
Dividend Gr. 3/5Y-17.79% -9.71%
Payout28.05%
Employees260
IPOMar 31, 2000

Ratios

Price / earnings11.90
Forward price / earnings11.55
Price / earnings / growth-
Price / sales2.91
Price / book1.47
Price / cash-
Price / free cash flow13.56
Value / cash profit-
Value / sales-
Quick Ratio-
Current Ratio0.26
Debt / equity0.17
Long-term debt / equity0.01
Options and shortYes / Yes

Earnings

Earnings / share2.87
Earnings next year2.96
Earnings next quarter0.78
Earnings this year37.75%
Earnings next year5.34%
Earnings growth, 5 years-
Past earnings growth0.05% 0.75%
Past sales growth11.32% 5.96%
Earnings vs last year59.77%
Sales vs last year8.44%
Earnings vs last quarter55.23%
Sales vs last quarter11.11%
EarningsJul 20
Surprise3.08% -

Ownership

Insiders own2.00%
Insider trades1.12%
Institutions own41.82%
Institution trades0.58%
Return on assets1.21%
Return on equity12.53%
Return on capital12.28%
Gross Margin-
Operating margin31.49%
Profit Margin24.44%
20-day average1.55%
50-day average4.66%
200-day average14.40%

Technical

Shares out8.86M
Shares floating8.68M
Short / float2.53%
Short ratio8.30
Short interest0.22M
52-week high35.45 -3.6%
52-week low20.51 +66.7%
Volatility2.04% 2.86%
Average range0.91
Strength index58.50
Market sensitivity0.27
Relative volume0.00
Avg Volume26.50K
Volume0

Performance

Perf Week0.44%
Perf Month7.35%
Perf Quarter8.20%
Perf Half Y22.72%
Perf YTD48.91%
Perf Year60.71%
Perf 3Y93.82%
Perf 5Y38.09%
Perf 10Y19.75%
Recommendation3.00
Target Price34.00
Prev Close34.19
Price34.19
Change %0.00%

Peers

Mkt cap
TickerCompanyMkt cap
WTBAWest Bancorporation514.72M
QCRHQCR Holding Inc1.68B
HWBKHawthorn Bancshares Inc288.22M
LARKLandmark Bancorp Inc196.67M
CZWICitizens Community Bancorp Inc MD223.96M
ISBAIsabella Bank Corp336.21M
SMBCSouthern Missouri Bancorp Inc774.07M
FBIZFirst Business Financial Services Inc625.24M
FMBHFirst Mid Bancshares Inc1.36B
BFCBank First Corp1.66B

Insider trading

latest 14 of 18
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Bauer Scott TPresident of subsidiary bankNov 06 '26Buy33.75882,9704,101Nov 09 03:40 PM
Snodgrass AdamPresident of subsidiary bankNov 03 '26Buy34.132006,8261,326Nov 04 12:32 PM
Cassabaum Michelle RDirectorOct 30 '26Buy33.66481,61610,356Nov 02 04:11 PM
Baker Jeffery CDirectorSep 09 '26Buy31.883009,5643,879Sep 10 11:04 AM
Cassabaum Michelle RDirectorAug 31 '26Buy31.541805,67710,308Sep 01 12:53 PM
Beals Douglas WDirectorAug 20 '26Buy31.1632510,1273,275Aug 21 02:22 PM
Schreier RichardPresident of subsidiary bankAug 14 '26Buy31.603169,9867,848Aug 17 02:43 PM
Cassabaum Michelle RDirectorJul 31 '26Buy30.201404,22810,128Aug 03 11:54 AM
Cassabaum Michelle RDirectorMay 29 '26Buy28.831704,9019,988May 29 02:23 PM
Hagan Patrick GDirectorMay 15 '26Buy27.692005,5389,600May 15 12:04 PM
Hagan Patrick GDirectorMay 12 '26Buy27.651002,7659,400May 12 10:39 AM
Cassabaum Michelle RDirectorApr 30 '26Buy28.08842,3599,818Apr 30 04:02 PM
Cassabaum Michelle RDirectorFeb 27 '26Buy27.252055,5869,734Feb 27 04:38 PM
Cassabaum Michelle RDirectorJan 30 '26Buy26.112807,3119,193Feb 02 04:43 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 696.31B
IWMiShares Russell 2000 Index FundAUM: 77.86B
AVUVAvantis U.S. Small Cap Value ETFAUM: 33.08B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.54B
VXFVanguard Extended Market Index ETFAUM: 30.79B
IWNiShares Russell 2000 Value ETFAUM: 14.17B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.64B
VTWOVanguard Russell 2000 Index ETFAUM: 16.90B
FDMFirst Trust Dow Jones Select Microcap Index FundAUM: 268.73M
AFSMFirst Trust Active Factor Small Cap ETFAUM: 136.45M

News

latest 14 of 200

Quarterly earnings

2026Q2 EPS 0.670 beat 0.650. 2025Q4 sales 18.68, from 14.75 a year earlier
EPS
0.67002025Q4 EPS 0.63025Q42026Q1 EPS 0.670 against 0.62026Q12026Q2 EPS 0.670 against 0.65026Q2
Sales, USD millions
18.6802024Q1 sales 13.0824Q12024Q2 sales 13.4924Q22024Q3 sales 13.4924Q32024Q4 sales 14.7524Q42025Q1 sales 15.4625Q12025Q2 sales 16.1125Q22025Q3 sales 16.5825Q32025Q4 sales 18.6825Q4

The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.

PeriodReportedEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mSurpriseYear-ago quarterAnalystsNext session
2026Q2ended 2026-06-302026-07-20 12:000.6700.6500.670--EPS +3.1% · sales -vs 2025Q2, year-ago quarter · EPS - · sales -1Open -1.99% vs SPY +0.51%. Close -0.24% vs SPY -0.16%
2026Q1ended 2026-03-312026-04-24 12:000.6700.6200.673--EPS +8.1% · sales -vs 2025Q1, year-ago quarter · EPS - · sales -1Open -0.07% vs SPY +0.32%. Close -0.43% vs SPY +0.77%
2025Q4ended 2025-12-312026-01-22 12:000.630-0.73518.68-EPS - · sales -vs 2024Q4, year-ago quarter · EPS - · sales +26.7%-Open +0.08% vs SPY +0.65%. Close -0.04% vs SPY +0.52%
2025Q3ended 2025-09-302025-10-17 16:30--0.51316.58-EPS - · sales -vs 2024Q3, year-ago quarter · EPS - · sales +22.9%-Open +0.97% vs SPY +0.44%. Close +3.42% vs SPY +1.04%
2025Q2ended 2025-06-302025-07-18 16:30--0.50716.11-EPS - · sales -vs 2024Q2, year-ago quarter · EPS - · sales +19.4%-Open +0.64% vs SPY +0.19%. Close +1.50% vs SPY +0.19%
2025Q1ended 2025-03-312025-04-17 16:30--0.38615.46-EPS - · sales -vs 2024Q1, year-ago quarter · EPS - · sales +18.2%-Open -1.55% vs SPY -1.00%. Close +1.96% vs SPY -2.38%
2024Q4ended 2024-12-312025-01-24 16:30--0.39314.75-EPS - · sales -vs 2023Q4, year-ago quarter · EPS - · sales +11.3%-Open +0.51% vs SPY -2.16%. Close +1.35% vs SPY -1.41%
2024Q3ended 2024-09-302024-10-18 16:30--0.24713.49-EPS - · sales -vs 2023Q3, year-ago quarter · EPS - · sales +3.4%-Open -1.60% vs SPY -0.13%. Close -4.79% vs SPY -0.16%
2024Q2ended 2024-06-302024-07-19 16:30--0.24313.49-EPS - · sales -vs 2023Q2, year-ago quarter · EPS - · sales -0.9%-Open -0.86% vs SPY +0.73%. Close -1.53% vs SPY +1.03%
2024Q1ended 2024-03-312024-04-19 16:30--0.25613.08-EPS - · sales -vs 2023Q1, year-ago quarter · EPS - · sales -6.0%-Open -0.21% vs SPY +0.54%. Close +0.89% vs SPY +0.92%
2023Q4ended 2023-12-312024-01-19 16:30--0.23813.25-EPS - · sales -vs 2022Q4, year-ago quarter · EPS - · sales -13.2%-Open +1.17% vs SPY +0.33%. Close +4.05% vs SPY +0.21%
2023Q3ended 2023-09-302023-10-20 16:30--0.32513.05-EPS - · sales -vs 2022Q3, year-ago quarter · EPS - · sales -18.2%-Open +0.46% vs SPY -0.38%. Close -0.98% vs SPY -0.17%
2023Q2ended 2023-06-302023-07-21 16:30--0.28413.62-EPS - · sales -vs 2022Q2, year-ago quarter · EPS - · sales -15.0%--
2023Q1ended 2023-03-312023-04-21 16:30--0.35613.92-EPS - · sales -vs 2022Q1, year-ago quarter · EPS - · sales -11.3%--
2022Q4ended 2022-12-312023-01-20 16:30--0.49115.26-EPS - · sales -vs 2021Q4, year-ago quarter · EPS - · sales -6.0%--
2022Q3ended 2022-09-302022-10-21 16:30--0.61615.95-EPS - · sales -vs 2021Q3, year-ago quarter · EPS - · sales -7.9%--

Annual earnings

2025FY EPS 2.040. 2010FY sales 36.45 beat 36.00
EPS
2.04002010FY EPS 1.370 against 1.00020102025FY EPS 2.0402025

Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.

earnings feed, not the snapshot. Not the statement ratio.

PeriodEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mP/E, earnings feed
2027FYestimate-2.960---11.55
2026FYestimate-2.810---12.17
2025FY2.040-2.140--11.26
2010FY1.3701.0001.37036.4536.0024.96

Estimate revisions

Latest snapshot of each period and type. 2026FY E 2.81 per share.
PeriodTypeScaleDateMeanvs prior date
2026FYEper share2026-10-202.81+3.3%
2026Q3Eper share2026-10-200.78+14.7%
2026FYRper share2026-10-202.83+4.0%
2026Q3Rper share2026-10-200.80+17.6%
2026Q2Eper share2026-08-040.67+3.1%
2026Q2Rper share2026-08-040.67+3.1%
2026Q1Eper share2026-05-040.67+8.1%
2026Q1Rper share2026-05-040.67+8.1%

Estimate history

Annual
Metric201720182019202020212022202320242025TTMMRQ
EPS per share1.4711.8271.8612.0612.6242.1361.2031.1362.1392.8727-
Sales USD millions545865747171849298104-
Shares million shares999999999-9
Quarterly
MetricQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
EPS per share0.2470.3930.3860.5070.5130.7350.6730.670.796
Sales USD millions232424242426252627
Shares million shares999999999

Income statement, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Interest Income91.7687.09+5.4%82.61+11.2%74.30+20.7%61.55+1.8%60.48-3.9%62.94+12.0%56.18+13.0%49.73
Total Interest Expense27.7631.43-16.5%37.63+26.8%29.68+257.2%8.31+85.1%4.49-44.6%8.10-25.9%10.93+43.8%7.60
Net Interest Income64.0055.66+23.7%44.98+0.8%44.62-16.2%53.24-4.9%56.00+2.1%54.84+21.2%45.25+7.4%42.12
Loan Loss Provision-0.731.04+76.3%0.59-25.3%0.79-0.87-0.76-113.4%5.68+333.6%1.31+104.7%0.64
Net Interest Income After Loan Loss Provision64.7354.62+23.1%44.38+1.2%43.84-19.0%54.12-4.6%56.75+15.4%49.16+11.9%43.93+5.9%41.48
Non-Interest Income12.4011.17+13.5%9.84+6.8%9.21-5.0%9.69-8.1%10.54-0.8%10.62+23.1%8.63+9.2%7.90
Non-Interest Expense44.3341.93-0.1%41.98+4.5%40.16+3.9%38.64+5.5%36.62+0.2%36.55+16.0%31.52+12.7%27.97
Operating Income32.8023.87+95.0%12.24-5.0%12.89-48.8%25.16-18.0%30.67+32.0%23.23+10.4%21.04-1.8%21.42
Unusual Expense0.000.000.000.000.000.000.000.000.00
Net Income Before Taxes32.8023.87+95.0%12.24-5.0%12.89-48.8%25.16-18.0%30.67+32.0%23.23+10.4%21.04-1.8%21.42
Income Taxes7.354.84+139.6%2.02-2.4%2.07-64.7%5.87-13.2%6.76+54.3%4.38+13.8%3.85-12.7%4.41
Consolidated Net Income25.4519.03+86.2%10.22-5.5%10.82-43.9%19.29-19.3%23.91+26.8%18.85+9.7%17.19+1.1%17.01
Net Income From Continuing Operations25.4519.03+86.2%10.22-5.5%10.82-43.9%19.29-19.3%23.91+26.8%18.85+9.7%17.19+1.1%17.01
Net Income25.4519.03+86.2%10.22-5.5%10.82-43.9%19.29-19.3%23.91+26.8%18.85+9.7%17.19+1.1%17.01
EPS (Recurring) per share2.872.14+87.7%1.14-5.0%1.20-43.9%2.14-18.3%2.62+27.2%2.06+10.8%1.86+1.6%1.83
EPS (Basic, Before Extraordinaries) per share2.872.14+87.7%1.14-5.0%1.20-43.9%2.14-18.3%2.62+27.2%2.06+10.8%1.86+1.6%1.83
EPS (Diluted) per share2.872.14+87.7%1.14-5.0%1.20-43.9%2.14-18.3%2.62+27.2%2.06+10.8%1.86+1.6%1.83
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Price To Earnings Ratio ratio statement ratio, not the snapshot11.9011.9016.7114.6610.609.3411.6515.0713.92
Price To Sales Ratio ratio2.672.081.602.302.993.142.994.004.11
Operating Margin %31.4924.2913.2415.4335.3243.1931.5832.4737.17
Net Margin %24.4419.3611.0512.9527.0833.6725.6326.5329.52
Shares Outstanding million shares8.868.86-1.0%8.95-0.4%8.990.0%8.99-1.1%9.09-0.3%9.12-1.1%9.22-0.8%9.29
Market Capitalization302.83302.83+105.0%147.74-23.0%191.89-9.6%212.31-4.7%222.67+1.6%219.13-15.3%258.80+9.3%236.68

Income statement, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Interest Income23.63+8.1%23.28+8.4%22.22+5.2%22.64+6.5%21.85+5.5%21.48+4.6%21.12+5.0%21.25+7.0%
Total Interest Expense6.68-14.4%6.90-14.0%6.79-17.2%7.41-18.8%7.80-19.0%8.02-17.0%8.20-11.0%9.13+2.7%
Net Interest Income16.96+20.7%16.38+21.6%15.43+19.5%15.23+25.7%14.05+26.8%13.47+23.9%12.91+18.3%12.12+10.6%
Loan Loss Provision0.07-88.9%0.21+90.9%-0.35-136.5%-0.660.63+70.3%0.11-38.9%0.96+464.7%-0.13-117.1%
Net Interest Income After Loan Loss Provision16.89+25.9%16.17+21.0%15.78+32.1%15.89+29.7%13.42+25.3%13.36+25.0%11.95+11.3%12.25+20.0%
Non-Interest Income3.46+36.8%2.70+2.3%2.79+9.4%3.45+31.2%2.53+5.0%2.64+0.8%2.55+17.0%2.63+14.8%
Non-Interest Expense11.22+9.6%11.17+7.8%10.87+5.9%11.06+4.9%10.24-2.6%10.36-3.5%10.26+0.7%10.54+5.2%
Operating Income9.13+59.9%7.71+36.7%7.69+81.4%8.28+90.8%5.71+118.8%5.64+119.5%4.24+55.9%4.34+75.0%
Unusual Expense0.000.000.000.000.000.000.00-
Net Income Before Taxes9.13+59.9%7.71+36.7%7.69+81.4%8.28+90.8%5.71+118.8%5.64+119.5%4.24+55.9%4.34+75.0%
Income Taxes2.08+79.3%1.78+58.9%1.73+119.0%1.76+114.6%1.16+190.0%1.12+187.2%0.79+88.1%0.82+141.2%
Consolidated Net Income7.05+54.6%5.93+31.5%5.96+73.3%6.51+85.5%4.56+105.4%4.51+106.9%3.44+49.6%3.51+64.0%
Net Income From Continuing Operations7.05+54.6%5.93+31.5%5.96+73.3%6.51+85.5%4.56+105.4%4.51+106.9%3.44+49.6%3.51+64.0%
Net Income7.05+54.6%5.93+31.5%5.96+73.3%6.51+85.5%4.56+105.4%4.51+106.9%3.44+49.6%3.51+64.0%
EPS (Recurring) per share0.80+56.9%0.67+31.4%0.67+71.8%0.73+87.2%0.51+104.0%0.51+112.5%0.39+50.0%0.39+62.5%
EPS (Basic, Before Extraordinaries) per share0.80+56.9%0.67+31.4%0.67+71.8%0.73+87.2%0.51+104.0%0.51+112.5%0.39+50.0%0.39+62.5%
EPS (Diluted) per share0.80+56.9%0.67+31.4%0.67+71.8%0.73+87.2%0.51+104.0%0.51+112.5%0.39+50.0%0.39+62.5%
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Price To Earnings Ratio ratio statement ratio, not the snapshot11.9012.2013.1912.7713.2014.0415.3916.71
Price To Sales Ratio ratio2.672.592.512.071.871.671.671.59
Operating Margin %33.6929.6730.7631.7323.4323.3617.9018.17
Net Margin %26.0122.8323.8424.9718.6918.7014.5514.71
Shares Outstanding million shares8.86-0.3%8.86-0.4%8.86-0.7%8.86-1.0%8.89-1.1%8.90-1.0%8.92-0.8%8.95-0.4%
Market Capitalization302.83+68.3%262.26+65.2%249.95+60.0%204.16+38.2%179.93+9.8%158.79-13.8%156.20-13.9%147.74-23.0%

Balance sheet, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/20182017FY12/31/2017
Cash & Due from Banks20.48+4.9%19.52-19.0%24.11+15.8%20.82+6.3%19.59-21.1%24.82-28.3%34.62+14.0%30.38+15.1%26.40
Investments771.89+4.1%741.60-5.0%780.72-4.0%812.94-11.7%920.89+19.8%768.47+29.2%594.71+21.7%488.62-9.7%541.36
Net Loans1,280.22-1.8%1,303.92+2.0%1,277.81+4.2%1,226.01+7.2%1,144.11+1.3%1,129.51+7.8%1,048.15+17.7%890.46+15.4%771.55
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.20----0.22-94.5%4.00+381.9%0.83+112.8%0.39
Net Property, Plant & Equipment20.92-3.0%21.57-4.3%22.55+19.4%18.89+7.9%17.51+1.0%17.34-2.6%17.81+12.7%15.81+2.7%15.40
Interest Receivables14.07+1.5%13.86+7.0%12.95+14.8%11.28+11.5%10.12-9.2%11.14-5.5%11.79+25.2%9.42+12.4%8.38
Deferred Tax Assets11.97-34.5%18.28-10.9%20.51-18.4%25.13+342.4%5.68-2.4%5.82+25.7%4.63-20.6%5.83+44.7%4.03
Other Intangible Assets18.26-2.1%18.65-10.5%20.84-8.8%22.86-0.2%22.90-5.2%24.15-3.2%24.96+53.0%16.31+80.4%9.04
Total Assets2,138.02+0.0%2,137.40-1.0%2,159.50+1.0%2,137.93-0.1%2,140.80+8.0%1,981.46+13.8%1,740.66+19.4%1,457.67+5.9%1,376.55
Total Deposits1,854.67+0.4%1,846.68+1.9%1,811.83-4.5%1,897.96+1.1%1,878.02+9.4%1,716.45+15.0%1,493.18+22.3%1,221.08+7.6%1,134.39
Total Debt60.15-39.5%99.36-39.6%164.58+106.2%79.80+86.2%42.85+6.4%40.29-14.3%47.03-14.9%55.27-13.5%63.92
Long Term Debt21.35-54.5%46.95-57.5%110.59+182.7%39.12+1204.0%3.000.0%3.000.0%3.00+50.0%2.000.0%2.00
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Deferred Tax Liabilities4.48+6.2%4.22+5.0%4.02+34.0%3.00-20.0%3.75-50.3%7.55+117.0%3.48+75.8%1.98+32.9%1.49
Other Liabilities10.83-12.9%12.43-6.4%13.28+64.6%8.07-3.8%8.39+9.1%7.69-18.1%9.39+45.4%6.46+7.8%5.99
Total Liabilities1,930.12-1.7%1,962.69-1.6%1,993.71+0.2%1,988.83+2.9%1,933.02+9.1%1,771.98+14.1%1,553.08+20.9%1,284.80+6.6%1,205.80
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity207.89+19.0%174.71+5.4%165.79+11.2%149.10-28.2%207.78-0.8%209.49+11.7%187.58+8.5%172.87+1.2%170.75
Total Shareholders Equity207.89+19.0%174.71+5.4%165.79+11.2%149.10-28.2%207.78-0.8%209.49+11.7%187.58+8.5%172.87+1.2%170.75
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity207.89+19.0%174.71+5.4%165.79+11.2%149.10-28.2%207.78-0.8%209.49+11.7%187.58+8.5%172.87+1.2%170.75
Total Liabilities & Stockholders Equity2,138.02+0.0%2,137.40-1.0%2,159.50+1.0%2,137.93-0.1%2,140.80+8.0%1,981.46+13.8%1,740.66+19.4%1,457.67+5.9%1,376.55
Book Value Per Share per share23.47+20.2%19.52+5.9%18.44+11.2%16.58-27.4%22.85-0.5%22.96+12.9%20.34+9.4%18.60+1.4%18.34
Tangible Book Value Per Share per share21.98+22.0%18.01+6.6%16.90+12.8%14.98-29.4%21.21-0.2%21.26+14.3%18.60+7.8%17.26-1.4%17.50
Tier 1 Capital214.26+6.2%201.75+0.8%200.19+0.6%199.07+4.1%191.16-165.180.0%165.18+0.4%164.47
Tier 2 Capital-18.00+0.8%17.86+6.8%16.73-3.4%17.32-12.220.0%12.22+3.2%11.84
Full-Time Employees people260-3.0%268-1.8%273+1.1%270-3.9%281+0.4%280-0.7%282+15.1%245+10.9%221
Price to Book Ratio ratio1.470.811.311.551.071.051.381.371.48
Return on Assets %0.890.480.500.901.161.011.081.201.00
Return on Equity %9.956.006.8710.8111.469.499.549.908.16
Return on Invested Capital %8.304.613.9110.2511.358.879.029.737.93
Current Ratio ratio0.110.090.060.040.100.220.210.100.13

Cash flow, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Funds from Operations24.5421.71+55.6%13.95-14.6%16.33-32.8%24.31-20.4%30.54+8.3%28.20+44.2%19.56-4.7%20.52
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-0.15-0.37-208.8%0.34-88.2%2.87-3.08-0.01-100.7%1.51+143.5%0.62+226.3%0.19
Cash from Operating Activities24.3921.34+49.2%14.30-25.6%19.21-9.5%21.23-30.5%30.54+2.8%29.71+47.2%20.18-2.6%20.71
Capital Expenditures-2.06-0.64-0.30-4.89-2.86-1.87-1.25-0.78-0.63
Net Assets From Acquisitions0.000.000.000.000.000.00-0.31-19.14-13.44
Sale of Fixed Assets and Businesses0.000.000.000.00-100.0%0.120.000.000.000.00
Purchase or Sale of Investments-30.8123.38-75.9%97.10+39.6%69.57-45.19-254.00-99.19-454.8%27.96-40.2%46.75
Purchase of Investments-171.98-119.13-15.34-6.42-141.31-375.40-238.17-82.39-25.98
Sale Or Maturity of Investments141.18142.50+26.7%112.44+48.0%75.99-21.0%96.13-20.8%121.40-12.6%138.98+25.9%110.35+51.7%72.73
Other Uses0.000.000.000.000.00-0.07-0.52-4.610.00
Other Sources0.000.000.000.000.000.000.00-100.0%2.50+119.3%1.14
Cash from Investing Activities-16.7944.21-38.6%71.98+277.6%19.06-127.38-268.64-245.34-78.96-1013.9%8.64
Cash Dividends Paid-8.15-7.11-9.08-9.71-9.68-9.39-9.07-8.78-10.80
Change in Capital Stock-0.73-1.68-0.700.00-2.30-0.71-1.99-1.81-0.45
Repurchase of Common Pref Stock-0.73-1.68-0.700.00-2.30-0.71-1.99-1.81-0.45
Sale of Common Pref Stock0.000.000.000.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-29.36-39.21-65.22-176.9%84.79+129.5%36.95+1343.4%2.56-6.74-9.99-17.65
Change in Long Term Debt-19.05-19.60-45.64-155.1%82.89+11741.4%0.700.00-2.00-12.60-24.50
Issuance of Long Term Debt0.002.80-97.9%131.45-51.3%269.85+6646.3%4.000.000.000.000.00
Reduction of Long Term Debt-19.05-22.40-177.09-186.96-3.300.00-2.00-12.60-24.50
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses-----0.000.000.000.00
Cash from Financing Activities-40.56-40.02-40.15-11.05-124.6%44.91-70.9%154.13-25.1%205.83+226.7%63.01-25.35
Net Change in Cash-32.9525.53-44.7%46.13+69.5%27.22-61.24-83.97-9.80-331.7%4.23+6.0%3.99
Free Cash Flow22.3320.70+47.9%14.00-2.2%14.31-22.1%18.37-35.9%28.66+0.7%28.46+46.7%19.40-3.4%20.09
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow ratio19.6015.0330.0341.7124.5211.5811.3324.4225.48
Federal Home Loan Advances Increase (Decrease)-1.09-0.80-152.3%1.53-1.19-0.27-0.01-102.4%0.42-0.04

Balance sheet, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Cash & Due from Banks20.20-11.1%18.94-21.6%21.43+4.5%20.48+4.9%22.71+0.2%24.15-5.3%20.50+11.7%19.52-19.0%
Investments734.73-1.6%792.92+9.1%794.94+0.2%771.89+4.1%746.39+1.2%727.03-1.9%793.27-4.4%741.60-5.0%
Net Loans1,260.19-1.2%1,251.00-2.2%1,264.83-3.2%1,280.22-1.8%1,275.79-1.5%1,279.64-0.1%1,306.23+2.6%1,303.92+2.0%
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment21.73+3.4%20.97-1.3%21.01-2.1%20.92-3.0%21.01-3.9%21.24-4.0%21.45-3.8%21.57-4.3%
Interest Receivables15.49+3.3%12.91+6.1%13.10+7.0%14.07+1.5%15.00-1.7%12.17-2.5%12.24-0.1%13.86+7.0%
Deferred Tax Assets11.86+37.7%8.16-18.0%8.81-26.6%11.97-34.5%8.61-22.7%9.95-37.9%12.01-27.5%18.28-10.9%
Other Intangible Assets17.95-3.0%18.01-3.5%18.21-2.0%18.26-2.1%18.50-1.5%18.66-33.7%18.59-8.7%18.65-10.5%
Total Assets2,082.16-1.2%2,122.90+1.4%2,142.54-1.9%2,138.02+0.0%2,108.00-0.7%2,092.84-1.6%2,184.29-0.3%2,137.40-1.0%
Total Deposits1,830.50-0.1%1,852.57+1.8%1,867.39-2.0%1,854.67+0.4%1,832.82+1.7%1,819.20-0.1%1,906.38+1.8%1,846.68+1.9%
Total Debt34.77-45.8%47.35-33.0%54.93-32.7%60.15-39.5%64.12-49.1%70.71-44.1%81.58-43.1%99.36-39.6%
Long Term Debt1.45-93.8%16.45-46.3%18.20-49.2%21.35-54.5%23.50-71.7%30.65-64.3%35.80-60.3%46.95-57.5%
Provision for Risks Charges0.000.000.000.000.000.000.000.00
Deferred Tax Liabilities---4.48+6.2%---4.22+5.0%
Other Liabilities11.14+6.5%9.89-0.1%12.65-4.7%10.83-12.9%10.46-14.3%9.90-14.3%13.28+22.3%12.43-6.4%
Total Liabilities1,876.41-1.6%1,909.81+0.5%1,934.97-3.3%1,930.12-1.7%1,907.41-1.7%1,899.82-3.0%2,001.24-1.2%1,962.69-1.6%
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.00
Common Equity205.75+2.6%213.09+10.4%207.57+13.4%207.89+19.0%200.59+9.4%193.03+15.6%183.06+10.6%174.71+5.4%
Total Shareholders Equity205.75+2.6%213.09+10.4%207.57+13.4%207.89+19.0%200.59+9.4%193.03+15.6%183.06+10.6%174.71+5.4%
Accumulated Minority Interest0.000.000.000.000.000.000.000.00
Total Equity205.75+2.6%213.09+10.4%207.57+13.4%207.89+19.0%200.59+9.4%193.03+15.6%183.06+10.6%174.71+5.4%
Total Liabilities & Stockholders Equity2,082.16-1.2%2,122.90+1.4%2,142.54-1.9%2,138.02+0.0%2,108.00-0.7%2,092.84-1.6%2,184.29-0.3%2,137.40-1.0%
Book Value Per Share per share23.23+3.0%24.06+10.9%23.44+14.2%23.47+20.2%22.56+10.6%21.69+16.7%20.53+11.5%19.52+5.9%
Tangible Book Value Per Share per share21.76+3.3%22.58+11.8%21.95+15.4%21.98+22.0%21.06+11.5%20.19+18.3%19.02+12.7%18.01+6.6%
Tier 1 Capital227.18+8.1%222.14+7.1%218.21+7.5%-210.13+4.7%207.35+3.6%202.99+1.4%201.75+0.8%
Tier 2 Capital17.64-5.3%18.02+0.6%--18.62+0.2%17.91-1.7%18.92+4.9%18.00+0.8%
Full-Time Employees people232+0.4%232-1.3%231-0.4%260-3.0%231-3.7%235232-4.1%268-1.8%
Price to Book Ratio ratio1.471.261.201.020.930.870.900.81
Return on Assets %1.211.091.000.890.760.650.520.48
Return on Equity %12.5311.3111.039.958.357.606.526.00
Return on Invested Capital %3.402.582.642.842.032.021.571.58
Current Ratio ratio0.260.320.370.110.360.320.470.09

Cash flow, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Funds from Operations6.83+37.1%5.88+2.6%5.52+17.9%6.32+42.3%4.98+58.6%5.73+61.0%4.68+66.0%4.44-7.3%
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital-1.69-2.452.85+16.8%1.14-30.9%-2.23-1.71-463.8%2.441.65+3.1%
Cash from Operating Activities5.14+86.9%3.44-14.2%8.36+17.4%7.46+22.5%2.75-2.1%4.01-0.5%7.12+419.7%6.09-4.7%
Capital Expenditures-1.16-0.27-0.41-0.23-0.10-0.12-0.20-0.07
Net Assets From Acquisitions0.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.00
Purchase or Sale of Investments8.40+1614.3%-3.51-211.8%-37.91-316.4%2.22-91.8%0.49-98.4%3.14-88.1%17.52+39.5%27.17+5.9%
Purchase of Investments-18.91-48.16-70.36-34.55-26.66-45.61-12.31-3.71
Sale Or Maturity of Investments27.30+0.6%44.65-8.4%32.45+8.8%36.77+19.1%27.15-12.3%48.75+65.8%29.83+40.6%30.88+9.1%
Other Uses0.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.00
Cash from Investing Activities-0.40-107.9%10.19-63.5%-22.34-244.5%-4.23-120.8%5.07-66.2%27.91+52.4%15.46-15.7%20.35
Cash Dividends Paid-2.13-2.12-2.13-1.77-1.78-1.78-1.78-1.80
Preferred Dividends (Cash Flow)0.000.000.000.000.000.000.000.00
Change in Capital Stock0.000.000.00-0.73-0.12-0.28-0.55-0.70
Repurchase of Common Pref Stock0.000.000.00-0.73-0.12-0.28-0.55-0.70
Sale of Common Pref Stock0.000.000.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-12.58-7.58-5.22-3.97-6.59-10.86-17.79-26.49
Change in Long Term Debt-15.00-1.75-0.15-2.15-1.15-14.15-2.15-29.65
Issuance of Long Term Debt0.000.000.00-100.0%0.00-100.0%0.00-100.0%0.00-100.0%2.80-96.8%2.45-96.9%
Reduction of Long Term Debt-15.00-1.75-0.15-2.15-1.15-14.15-4.95-32.10
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00-----
Cash from Financing Activities-36.77-818.2%-24.535.38-86.4%15.37-2.8%5.12-100.1039.58+8.1%15.82
Net Change in Cash-32.03-347.3%-10.91-8.60-113.8%18.59-56.0%12.95-68.1862.16+10.4%42.26
Free Cash Flow3.98+50.2%3.16-19.0%7.96+15.0%7.23+20.1%2.65-3.6%3.90-0.8%6.92+432.3%6.02+12.7%
Price to Free Cash Flow ratio19.6019.8817.5114.9914.5613.4313.9729.89

Revenue breakdown

USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.

Product
Name20242025vs 20242025 share
National Commercial Banks54.8166.83+21.9%100.0%
Total54.8166.83+21.9%100.0%
Region
Name20242025vs 20242025 share
United States54.8166.83+21.9%100.0%
Total54.8166.83+21.9%100.0%

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-302.53%0.2M8.7M28.19K
2026-10-153.01%0.3M8.7M30.69K
2026-09-302.86%0.2M8.7M36.11K
2026-09-153.60%0.3M8.7M53.65K
2026-08-314.46%0.4M8.7M62.65K
2026-08-143.08%0.3M8.7M65.36K
2026-07-313.12%0.3M8.7M70.36K
2026-07-152.78%0.2M8.7M77.11K
2026-06-302.47%0.2M8.7M79.16K
2026-06-152.26%0.2M8.7M66.15K
2026-05-292.61%0.2M8.7M57.56K
2026-05-151.89%0.2M8.7M55.35K
2026-04-301.78%0.2M8.7M52.68K
2026-04-152.16%0.2M8.7M45.77K
2026-03-312.42%0.2M8.7M38.93K
2026-03-132.52%0.2M8.7M34.78K
2026-02-272.87%0.3M8.8M31.98K
2026-02-132.49%0.2M8.8M28.85K
2026-01-302.27%0.2M8.8M23.57K
2026-01-152.27%0.2M8.8M24.15K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call17.5015.3019.000.005.6930.000.000.968-0.0620.004
call20.0012.8016.300.004.6470.000.000.961-0.0600.004
call22.5010.6013.700.003.8330.000.000.854-0.2630.011
call25.008.0011.300.003.2570.000.000.825-0.2460.013
call30.002.756.300.002.0610.000.000.732-0.1950.016
call35.000.250.600.350.33575.006860.441-0.0980.020
call40.000.000.950.000.9630.000.000.149-0.0720.012
call45.000.001.750.001.4150.000.000.111-0.0860.009
put17.500.002.950.002.7670.000.00-0.032-0.0630.004
put20.000.000.750.002.2850.000.00-0.038-0.0610.004
put22.500.001.750.003.6090.000.00-0.145-0.2630.011
put25.000.001.950.002.9840.000.00-0.175-0.2450.013
put30.000.001.750.501.8491.000.00-0.268-0.1940.016
put35.000.803.401.301.4800.000.00-0.558-0.0970.020
put40.003.907.100.001.6030.000.00-0.850-0.0700.012
put45.008.9012.100.002.1580.000.00-0.888-0.0830.009

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-094Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-044Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-11-024Statement of changes in beneficial ownership of securities2026-10-30SEC
2026-10-163Initial statement of beneficial ownership of securities2026-08-12SEC
2026-10-164Statement of changes in beneficial ownership of securities2026-10-16SEC
2026-10-168-KCurrent report2026-10-16SEC
2026-09-104Statement of changes in beneficial ownership of securities2026-09-09SEC
2026-09-014Statement of changes in beneficial ownership of securities2026-08-31SEC
2026-08-214Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-14SCHEDULE 13G/ASEC
2026-08-1313F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-08-138-KCurrent report2026-08-12SEC
2026-08-13N-PXAnnual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX2026-06-30SEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-07-31SEC
2026-07-178-KCurrent report2026-07-17SEC
2026-06-2411-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-05-294Statement of changes in beneficial ownership of securities2026-05-29SEC
2026-05-15SCHEDULE 13GSEC
2026-05-154Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-158-KCurrent report2026-05-13SEC
2026-05-124Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-1213F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-03-31SEC
2026-05-0810-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-043Initial statement of beneficial ownership of securities2026-04-30SEC
2026-05-018-KCurrent report2026-04-29SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-30SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-30SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-119.80K200
2026-101.62K100
2026-099.56K100
2026-0825.79K300
2026-074.23K100
2026-060000
2026-0513.20K300
2026-042.36K100
2026-030000
2026-025.59K100
2026-017.31K100
2025-125.01K200
2025-1119.10K300

Institutional holders

Manager% owned
BlackRock, Inc.7.71%
VANGUARD CAPITAL MANAGEMENT LLC4.38%
DIMENSIONAL FUND ADVISORS LP3.52%
GEODE CAPITAL MANAGEMENT, LLC2.50%
AMERICAN CENTURY COMPANIES INC2.46%
STATE STREET CORP2.29%
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP1.53%
Qube Research & Technologies Ltd0.96%
MARSHALL WACE, LLP0.94%
Elizabeth Park Capital Advisors, Ltd.0.91%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND3.17%
iShares Russell 2000 ETF3.02%
Avantis U.S. Small Cap Value ETF1.88%
VANGUARD EXTENDED MARKET INDEX FUND1.11%
Fidelity Small Cap Index Fund1.11%
iShares Russell 2000 Value ETF1.00%
U.S. Targeted Value Portfolio0.61%
VANGUARD RUSSELL 2000 INDEX FUND0.58%
Fidelity Extended Market Index Fund0.49%
Dimensional U.S. Targeted Value ETF0.45%

OakChart. ATLO. Cached 15 minutes. Terms

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