The market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
Why ATLO Stock advanced +0.24% Today — RQD Quant Desk Flash
Ames National Corporation (ATLO) carries a Roarable Rating of C- (Hold) with 61/100 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
⚔️ Adversarial Opposing Case: Why the ATLO Bull Thesis Could Fail
Even with a 61/100 (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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($32.21) or 200D SMA ($29.45) invalidates the momentum regime and cuts Target Base ($34.32) toward Bear Floor ($26.77).
Why ATLO Stock advanced +0.24% Today — RQD Quant Desk Flash
Ames National Corporation (ATLO) advanced +0.24% to $33.86, trading at 95% of its 52-week range ($20.51 – $34.52). Solid steady margins (9% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 95% of its 52-week range ($20.51 – $34.52) with RSI-14 at 60.3 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.9% around $33.86 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $20.7M annual free cash flow.
Haley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
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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
ATLO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ATLO today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ATLO. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ATLO)
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 #471 by composite RQD confidence (61/100, 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 66/100 (C+) compared with ATLO at 61/100 (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- | 61/100 | 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 | 63/100 | 12.1x | — | 12.0% | +0.42% | $297.0M | /func-vs-atlo → |
| BPRN Princeton Bancorp Inc. (PA) | D+ | 57/100 | 15.8x | — | 6.9% | -3.43% | $293.6M | /bprn-vs-atlo → |
| QNBC QNB Corp. | C+ | 66/100 | 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 0001132651In 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 ENABLEDIs ATLO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, Ames National Corporation (NASDAQ: ATLO) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 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 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, ATLO ranks #471 in composite RQD confidence.
How does ATLO compare to ISBA and FUNC in the Financials sector?
Within the Financials sector (Major Banks), ATLO carries a Roarable C- (61/100 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 (63/100 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).
What are the biggest fundamental strengths and SEC risk factors for ATLO?
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.
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 +5.12% above its 50-day simple moving average ($32.21) and +14.97% above its 200-day simple moving average ($29.45). Across its 52-week range of $20.51 to $34.52, ATLO sits at the 95.3% percentile with a 14-day RSI of 60.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.9% ($31.86 to $35.86).
ATLO Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is ATLO stock moving today?
Why ATLO Stock advanced +0.24% Today — RQD Quant Desk Flash. Solid steady margins (9% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.