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AMES National ATLO Q4 2025 Annual earnings

Reported January 23, 2026 · After market close

Revenue$26.1M
EPS$0.73

Next report

Oct 16, 2026 (in 2 months)
Revenue estimate$19.3M
EPS estimate$0.68

Financials

Q4 2025

Income statement

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

Balance sheet

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Cash & equivalents$126.8M+25.2%
Total equity$207.9M+19.0%
Total assets$2.1B0.0%

Cash flow

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Operating cash flow$7.5M+25.5%
CapEx$231.0K+245%
Free cash flow$7.2M+23.0%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$204.16M+38.2%
P/E10.7×-3.7×
P/S3.1×+0.4×

Profitability

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Net margin28.5%+9.8pp
FCF margin31%+5.4pp

Returns & leverage

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Return on equity9.9%+3.9pp

Segments

By product

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Fiduciary And Trust$1.9M+38.5%
Financial Service$392.0K+1.0%
Credit And Debit Card$366.0K-14.7%

FAQ

When did AMES National report Q4 2025 earnings?
AMES National (ATLO) reported Q4 2025 earnings on January 23, 2026 after market close.
What were AMES National's Q4 2025 revenue and EPS?
AMES National reported revenue of $26.1M and eps of $0.73 for Q4 2025.
How did AMES National's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.2% from $23.9M a year earlier and eps grew 85.9% from $0.39.
Where can I find AMES National's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001437749-26-001905) and the 10-K periodic report (0001437749-26-007976) directly on SEC EDGAR. The filing index links above go to sec.gov.