What is AMES National's net margin?

AMES National (ATLO) reported net margin of 28.5% in Q4 2025.

How has AMES National's net margin changed year-over-year?

AMES National's net margin increased by 52.7% year-over-year, from 18.6% to 28.5%.

What is the long-term trend for AMES National's net margin?

Over 5 years (2020 to 2025), AMES National's net margin has grown at a -0.2% compound annual growth rate (CAGR), from 28.8% to 28.5%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

AMES National ATLO Net margin

Net margin at other companies

U.S. BancorpUSB

27%+2.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

FIB

First Interstate BancSystem, Inc.FIBK

29.6%+7.9pp

Principal Financial GroupPFG

10.1%+3.2pp

First Community CorporationFCCO

24.7%+2.5pp

John Marshall BancorpJMSB

34.7%+2.7pp

Other financials

Income statement

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Revenue$16.7M+21.9%

Net income$6.0M+25.3%

EPS (diluted)$0.66—

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$8.4M+17.5%

CapEx$405.0K+108%

Free cash flow$8.0M+14.9%

Valuation

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Market cap$262.26M+66.5%

P/E13×+2.2×

P/S3.9×+0.5×

Profitability

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FCF margin31%+5.4pp

Returns & leverage

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Return on equity9.9%+3.9pp

Debt / equity0.1×—

Where this comes from

Calculated from AMES National’s reported figures.

net income/total revenue=28.5%

Based on trailing twelve months.

The official record: AMES National’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is AMES National's net margin?: AMES National (ATLO) reported net margin of 28.5% in Q4 2025.
How has AMES National's net margin changed year-over-year?: AMES National's net margin increased by 52.7% year-over-year, from 18.6% to 28.5%.
What is the long-term trend for AMES National's net margin?: Over 5 years (2020 to 2025), AMES National's net margin has grown at a -0.2% compound annual growth rate (CAGR), from 28.8% to 28.5%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.