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AMES National ATLO Q3 2025 earnings

Reported October 17, 2025 · Before market open

Revenue$24.4MDiluted EPS$0.51

Next report

Aug 14, 2026 (in a month)
Revenue estimate$18.6M
EPS estimate$0.65

Financials

Q3 2025

Income statement

See full
Revenue$16.7M+21.9%
Net income$4.8M+86.2%

Cash flow

See full
Operating cash flow$2.8M-11.2%
CapEx$101.0K+50.7%
Free cash flow$2.7M-12.6%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$179.8M+9.7%
P/E10.7×-5.1×
P/S2.8×-0.2×

Profitability

See full
Net margin26.4%+7.4pp
FCF margin30.3%+5.6pp

Segments

By product

See full
Fiduciary And Trust$1.4M+10.6%
Financial Service$402.0K+0.8%
Credit And Debit Card$342.0K-19.7%

Versus estimates

Revenue

Q1 2026$25.0MBeat by $6.9MQ4 2025$26.1M
Q3 2025$24.4M
Q2 2025$24.1MQ1 2025$23.7MQ4 2024$23.9M

Diluted EPS

Q1 2026$0.67Beat by $0.05Q4 2025$0.73
Q3 2025$0.51
Q2 2025$0.51Q1 2025$0.39Q4 2024$0.39

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Questions, answered.

When did AMES National report Q3 2025 earnings?
AMES National (ATLO) reported Q3 2025 earnings on October 17, 2025 before market open.
What were AMES National's Q3 2025 revenue and EPS?
AMES National reported revenue of $24.4M and diluted EPS of $0.51 for Q3 2025.
How did AMES National's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 5.5% from $23.1M a year earlier and diluted EPS grew 104.0% from $0.25.
Where can I find AMES National's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001437749-25-033807) directly on SEC EDGAR. The filing index links above go to sec.gov.