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Ames National Corporation (ATLO) 12-Month Stock Forecast & Price Target Cone

$33.86 +0.24% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $33.81

Ames National Corporation (ATLO) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $299.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ATLO Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ATLO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Ames National Corporation (NASDAQ: ATLO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $33.86 (+0.24% 1D, market cap $299.9M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, ATLO ranks #195 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ATLO compare to ISBA and FUNC in the Financials sector?

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Within the Financials sector (Major Banks), ATLO carries a Roarable C+ (68/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 9.2%. By comparison, ISBA (Isabella Bank Corporation) holds a C- grade (61/100 RQD, P/E 16.0x, ROIC 8.2%, cap $302.8M) and FUNC (First United Corporation) posts a C+ grade (68/100 RQD, P/E 12.1x, ROIC 12.0%, cap $297.0M). Among the 5-stock peer group, FUNC leads on earnings multiple (12.1x) while FUNC leads on capital efficiency (12.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ATLO?

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Per ATLO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001132651), Ames National Corporation generated $0 in revenue, $19.0M in net income, and $20.7M in free cash flow against $2.13B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $33.81 (-0.15%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ATLO)Realized 20D OHLCV Swing Band: ±5.7%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY ATLO SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±5.7% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 0% operating margin leave 8 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$31.83+1.5% Next Q

Q2 (-2Q)

Grade C+$32.31+4.4% Next Q

Q3 (-1Q)

Grade C+$33.72+0.4% Next Q

Current

Grade C+$33.86+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ATLO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, ATLO faces multiple-compression risk if 15.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($32.25) or 200D SMA ($29.50) invalidates the momentum regime and cuts Target Base ($35.38) toward Bear Floor ($27.60).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ATLO• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ATLO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 68%NO 32%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your ATLO Position Size: $10,000

Shares at $33.86: 295.3 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $27.60

$8,151

$-1,849 (-18.5%)

12M Consensus BaseTarget $35.38

$10,449

+$449 (+4.5%)

12M Bull Case BreakoutTarget $41.75

$12,330

+$2,330 (+23.3%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$37	74%	A
Goldman SachsSector Coverage Lead	BUY	$39	69%	B
JP MorganUS Large-Cap Research	HOLD	$31	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (ATLO Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

ATLO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.86%📐 HORIZONTAL RANGE

2026-11-02O $33.78H $33.86L $33.78C $33.86VOL 23.2K

RES: $34.61SUP: $30.69SMA50: $32.25SMA200: $29.50

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ATLO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ATLO Butterfly Map → + Track ATLO →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.3%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ATLO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ATLO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ATLO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ATLO)

Financials Rank #195 of 1096 ⚔️ ISBA vs ATLO Full Matrix →

1. Head-to-Head Financials Peer Comparison (ATLO vs. ISBA, FUNC, BPRN, QNBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Ames National Corporation (ATLO) ranks #195 by composite RQD confidence (68/100, grade C+) and #807 by equity capitalization ($299.9M). Within this direct 5-issuer industry benchmark cohort, FUNC leads on earnings valuation at 12.1x trailing P/E, while FUNC leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. QNBC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with ATLO at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ATLO ACTIVE Ames National Corporation	C+	68/100	15.8x	—	9.2%	+0.24%	$299.9M	Benchmark Subject
ISBA Isabella Bank Corporation	C-	61/100	16.0x	—	8.2%	+0.84%	$302.8M	/isba-vs-atlo →
FUNC First United Corporation	C+	68/100	12.1x	—	12.0%	+0.42%	$297.0M	/func-vs-atlo →
BPRN Princeton Bancorp Inc. (PA)	C	62/100	15.8x	—	6.9%	-3.43%	$293.6M	/bprn-vs-atlo →
QNBC QNB Corp.	B-	70/100	20.8x	—	10.9%	-0.32%	$293.1M	/qnbc-vs-atlo →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001132651

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Ames National Corporation (ATLO) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $19.0M, operating cash flow of $21.3M, and free cash flow of $20.7M (+47.8% YoY). On the balance sheet, ATLO closed FY2025 with $2.13B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$19.0M	$21.3M	$20.7M	$2.13B	—
FY2024 (FY)	2024-12-31	$0	$10.2M	$14.3M	$14.0M	$2.13B	—
FY2023 (FY)	2023-12-31	$0	$10.8M	$19.2M	$19.2M	—	—

3. ATLO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ATLO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ATLO compare to ISBA and FUNC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ATLO?

Where is ATLO trading relative to its 50-day, 200-day, and 52-week technical levels?

ATLO last traded at $33.86 (+0.24% on volume of 23,159 shares), positioning the stock +4.99% above its 50-day simple moving average ($32.25) and +14.78% above its 200-day simple moving average ($29.50). Across its 52-week range of $20.51 to $34.52, ATLO sits at the 95.3% percentile with a 14-day RSI of 63.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.7% ($31.93 to $35.79).

ATLO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is ATLO's 12-month stock price target?

Ames National Corporation (ATLO) carries a 12-month consensus base price target of $35.38 (+4.5% from $33.86), with a bull-case target of $41.75 and a bear-case floor of $27.6.

Is ATLO stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates ATLO C+ (Hold — HOLD) with an RQD Confidence score of 68/100.

Direct Sub-Reports: ATLO RQD Cockpit ATLO 12M Forecast ATLO Earnings & Move ATLO Dividends & DRIP ATLO Insiders & 13F ATLO Whale Options ATLO Profit Sankey ATLO News & Why