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AMES National ATLO Q4 2025 Annual earnings

Reported January 23, 2026 · After market close

Revenue$26.1MDiluted EPS$0.73

Next report

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

Financials

Q4 2025

Income statement

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

Balance sheet

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

Cash flow

See full
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
See full
Market cap$204.16M+38.2%
P/E10.7×-3.7×
P/S3.1×+0.4×

Profitability

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

Returns & leverage

See full
Return on equity9.9%+3.9pp

Segments

By product

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

Versus estimates

Revenue

Q1 2026$25.0MBeat by $6.9M
Q4 2025$26.1M
Q3 2025$24.4MQ2 2025$24.1MQ1 2025$23.7MQ4 2024$23.9M

Diluted EPS

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

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Questions, answered.

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 diluted 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 diluted 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.