ATLO AMES National Corp

XNAS 34.23 Delayed
Find condors

Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

ATLO $34.23 —

What changed

Recent filings, trades and moves
Key stats
$34.23
52-Week Range
$20.51 – $35.45
YTD
+50.53%
IV Rank (30D)
15.05
Straddle Price
$2.62
P/C Vol Ratio
0.54
Market Cap
$0.3B
Open
$34.56
Day Range
$33.91 – $34.56
Volume
25,812
Prev Close
$33.90
Fair Value
MODEL: LONG

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)4.90%
Beta vs SPY0.54
Cost of Equity (CAPM)7.61% (VRP-adj)
WACC7.54%
Volatility Risk Premium+28.5pp (IV − HV30)
Effective Tax Rate21.1%
Rev. Growth (YoY, DCF input)+3.6%
DCF Horizon12 years explicit + fade
Forward Tilt (NTM/TTM)×1.04 (applied to P/E, EV/EBITDA, P/S)
Free Cash Flow (TTM)$0.0B
Return on Equity (TTM)10.8%
Book / Price69.1% — banking bias active (P/B is primary)
Bank Quality Adj×0.85 (target ROE vs peer median)
Gross Margin (TTM)69.9%
FCF Margin (TTM)21.1%
Debt / Equity0.09
Quality Score4/6 — high quality (12y DCF)
Market-Implied Growth-2.9% (reverse-DCF on current price)
SMA 50$32.46 (Market Anchor value)
SMA 20 / Bollinger Mid$33.23
Bollinger Width / SMA2011.3% (drives anchor stability)
Net Debt$-0.0B
Market Cap$0B
Peers used for multiples: CARE, CTO, FISI, IBCP, ORRF, PGC, WASH (filtered from 8 ETF-co-members; sector bias active)
60-Day Conviction
40%
20-Day Fair Value
≈ by Dec 8, 2026
$34.40
α +0.5% rank 4%
conviction
36%
40-Day Fair Value
≈ by Jan 6, 2027
$34.94
α +2.1% rank 13%
conviction
65%
60-Day Fair Value
≈ by Feb 4, 2027
$34.72
α +1.4% rank 7%
conviction
40%
MethodImplied PriceWeightDetail
DCF $52.40 22%
DDM (Gordon) $23.95 18%
Peer P/E $23.97 7% median 11.2× · 7 peers
Peer EV/EBITDA n/a 0% median 10.6× · 7 peers
Peer P/B $28.12 10% median 1.2× · 7 peers
Peer P/S $20.22 3% median 2.0× · 7 peers
Market Anchor (SMA50) $32.46 41% stability 94% (BB-width)
Options Expected (B-L 30d) $31.60 0% 6 strikes · skew -1.52
As of 2026-11-09 · updated
About
Industry (SIC)
NATIONAL COMMERCIAL BANKS (6021) · industry map
Exchange
XNAS
Market Cap
$0.3B
Employees
232
List Date
1997-08-11
CIK
0001132651
Last Earnings
Oct 16 after close · +0.4% vs ±9.1% expected
Next Earnings
~Jan 22, 2027 (estimated)
Headquarters
Ames, IA
Homepage
https://www.amesnational.com

Ames National Corporation is a bank holding company based in the United States. Through its subsidiaries, it provides a range of banking and other financial products and services to customers in Iowa, mainly in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union in central, north-central, and south-central Iowa. The Group offers several financial products and services, including checking and savings accounts, time deposits, commercial, construction, and agricultural loans, personal loans, lines of credit, cash management services, merchant credit card processing, safe deposit boxe…

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan-3.43%0.12%2.03%-0.80%10.62%14.78%3.89%
Feb2.56%-1.28%0.08%-5.29%5.33%0.82%0.37%
Mar10.50%4.67%-14.12%8.15%-5.96%3.71%1.16%
Apr-2.84%-5.68%-7.09%-1.84%-1.39%-0.81%-3.27%
May-0.90%-1.39%-3.38%4.65%-1.36%-0.59%-0.49%
Jun-4.63%-2.08%-1.21%0.24%2.06%3.89%-0.29%
Jul-4.57%0.00%5.94%8.88%-0.61%-0.10%1.59%
Aug-1.18%-1.80%-6.56%-4.96%10.94%1.84%-0.29%
Sep-2.15%0.77%-8.95%-1.19%2.22%0.48%-1.47%
Oct6.78%-0.36%2.11%-3.71%3.78%5.61%2.37%
Nov-0.20%3.67%8.77%1.25%3.90%-0.03%*2.89%
Dec1.28%2.43%11.73%-5.95%6.20%--3.14%
Total0.09%-1.35%-13.02%-1.91%40.39%32.69%9.48%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $33.35
SMA 50: $32.51
SMA 200: $29.75
Current: $34.23
EMA 12: $33.83
EMA 26: $33.27
MACD: 0.5612 | Signal: 0.0345
BULLISH
ADX (14): 14.11
RANGE
+DI: 21.78
−DI: 14.12

Momentum Oscillators

RSI (14): 59.18
NEUTRAL
Stoch %K: 59.57
Stoch %D: 68.26
Williams %R: -35.36

Volume & Volatility

BB Upper: $35.15
BB Lower: $31.54
NEUTRAL
OBV: 1,603,308
Vol SMA 20: 20,818
Vol ROC: 29.33%
ATR: $0.96
True Range: $0.66
HV 20: 25.6%
HV 30: 23.6%
HV 60: 21.8%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-11-11T00:00:00 – 2026-11-09T00:00:00
AI Analysis
Written before ATLO’s Oct 16 earnings report, so it doesn’t reflect the results.

LLM Stock Analysis Report

SYMBOL: ATLO

Executive Summary: Overall Assessment: NEUTRAL (Confidence Level: 6/10) Key Drivers: + Positive dividend growth + Low volatility + Bullish options market sentiment Primary Risks: + Potential for further upside if technical signals continue to align with news sentiment + Risk of consolidation or correction if price reaches key resistance levels

Investment Thesis: ATLO presents a moderate-risk investment opportunity, with potential for steady dividend growth and low volatility. The stock's recent performance has been driven by positive news sentiment and bullish options market activity.

Recent News Sentiment Impact: The recent news headlines have had a neutral impact on the stock price, with no significant catalysts driving movements. The overall sentiment is positive, with several articles highlighting the company's dividend growth and low volatility.

Technical Analysis: Trend Direction: + Short-term (1-4 weeks): Bullish + Medium-term (1-3 months): Bullish + Long-term (3-12 months): Neutral

Support/Resistance Levels: + Upper Bollinger Band: $28.66 + Middle Bollinger Band: $27.32 + Lower Bollinger Band: $25.97

Momentum Signals: + RSI (14): 68.72 (neutral) + MACD: Bullish

Volume Analysis: + Volume SMA 20: 48227.96 + On-Balance Volume (OBV): 679301.11 + Volume Rate of Change: -48.06%

News & Sentiment Analysis: Recent Headlines Summary: The recent news headlines have been generally positive, highlighting the company's dividend growth and low volatility.

Sentiment Assessment: Aggregate sentiment is POSITIVE, with a majority of articles presenting a favorable view of the stock.

Catalyst Identification: No significant upcoming catalysts are identified.

Market Narrative: The market narrative aligns with technical signals, suggesting continued consolidation or a potential breakout above key resistance levels.

Risk & Volatility Assessment: Beta Interpretation: Beta is 0.42 (vs SPY), indicating low volatility.

Volatility Regime: Current volatility is LOW compared to historical levels.

Options Market Signals: IV Rank: 8.2% (Low - shows if volatility is historically high/low) Put/Call Volume Ratio: 0.00 (Bullish sentiment)

Downside Protection: Support levels include the Lower Bollinger Band ($25.97) and the SMA 200 ($22.16).

Market Context & Positioning: Sector Performance: ATLO performs relatively strong within its sector.

Institutional Activity: Volume patterns suggest institutional interest.

Correlation Analysis: The stock moves in line with market movements (R-squared interpretation).

Relative Valuation: The stock is positioned within a trading range, with potential for further upside or consolidation.

Key Levels & Action Items: Critical Price Levels: + Upper Bollinger Band ($28.66) + Middle Bollinger Band ($27.32)

Breakout/Breakdown Levels: + SMA 200 ($22.16) - support level + Key resistance levels around $29-$30

Time-Sensitive Catalysts: No significant upcoming catalysts are identified.

Risk Management: Stop-loss levels can be set at the Lower Bollinger Band ($25.97), with position sizing considerations based on individual risk tolerance.

Conclusion: ATLO presents a moderate-risk investment opportunity, driven by positive dividend growth and low volatility. The stock's recent performance has been characterized by consolidation around key support/resistance levels. Technical signals indicate potential for further upside or consolidation, while options market sentiment remains bullish.

Generated
News
All ATLO news →
Earnings History
13 of 13 under expected move
Avg Expected Move
9.66%
Avg Actual Move
1.83%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2023-07-21 After-Close 7.52% 1.64% 0.22x Within
2023-10-20 After-Close 8.54% 0.98% 0.11x Within
2024-01-19 After-Close 5.83% 4.05% 0.69x Within
2024-04-19 After-Close 16.45% 0.89% 0.05x Within
2024-07-19 After-Close 9.41% 1.53% 0.16x Within
2024-10-18 After-Close 9.50% 4.79% 0.50x Within
2025-01-24 After-Close 14.08% 1.35% 0.10x Within
2025-04-17 After-Close 12.35% 1.96% 0.16x Within
2025-07-18 After-Close 8.75% 1.50% 0.17x Within
2025-10-17 Pre-Market 3.05% 0.36% 0.12x Within
2026-01-23 After-Close 10.20% 3.91% 0.38x Within
2026-04-24 Pre-Market 10.83% 0.43% 0.04x Within
2026-10-16 After-Close 9.09% 0.44% 0.05x Within

Earnings calendar: this week’s reports with expected vs actual moves →

ATLO Options Activity & IV Rank

ATLO IV rank history, 52-week IV rank and IV percentile →

Volatility Metrics

Current IV: 29.0%
7-DTE IV: 37.5%
Expected Move: $2.62
7-DTE Move: $1.35
Days to Exp: 39 (2026-12-18)

Options Flow · All expiries

Call Volume: 37
Put Volume: 20
P/C Volume: 0.541
BULLISH
Call OI: 104
Put OI: 19
P/C OI: 0.183
Total OI: 123

ATM Options Pricing

ATM Call: $1.30
ATM Put: $1.32
Call %: 3.8%
Put %: 3.9%

Chain Summary

Chain Volume: 57
Chain OI: 123
Last Updated: 11/9/2026
Spread Scanner
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Calendars: the long leg is valued at the short leg’s expiration (Black-Scholes at its current IV) across the range of prices the short leg’s IV implies, giving the best-case profit (R/R = that over the debit) and P(profit).

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Scanning bull put, bear call, iron condor and calendar spreads…

Dealer Positioning
LOW γ vs HISTORY

Estimated net dealer gamma is at the 11th percentile of this name's own daily history, near the low end of its range. This describes current positioning; it is not a forecast or a trading signal.

Gamma percentile
11%
vs own history
GEX tilt
+0.69
OI-weighted, today
Vanna tilt
-0.26
δ-sensitivity to IV
Charm tilt
-0.97
δ-decay vs time
Charm tilt -0.97: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.

Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.

Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.

Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.

This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.

· 4 ATM contracts, 0k total OI
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
No data
30 DTE / 10d —
— pts EXTREME
No data

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Loading the implied volatility surface…

Volatility Smile

Loading the implied volatility smile…

IV Rank (7 DTE)10.8LowNov 9
IV Rank (30 DTE)15.1LowNov 9

Embed ATLO IV rank

ATLO's 30-day IV rank (90 sessions) with its 52-week rank, at-the-money IV and a 90-session trend. Updates after each close. Paste the code into any web page or blog post. Email newsletters drop iframes, so link to the page there.

Theme
Preview
Straddle Price (30 DTE)$2.62Nov 9
Beta Analysis

Risk Metrics

Beta: 0.2838
Alpha: 47.25%
Correlation: 0.1884
R-Squared: 3.6%
Stock Volatility: 20.7%
Market Volatility: 13.8%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own ATLO
3 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Renaissance Technologies Hedge fund
Jim Simons
$1.8M
0.00%
#2003 of 3138+63.7%13F
Citadel Hedge fund
Ken Griffin
$1.2M
0.00%
#3531 of 6285new13F
Millennium Management Hedge fund
Izzy Englander
$319K
0.00%
#3331 of 3716new13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

ATLO Institutional Ownership (13F)

Filings for 2026-06-30 · 34 already for 2026-09-30
Diluted shares outstanding: 8,886,771 (as of 2026-03-31)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

102 filers3,661,589 shares$109.79M value41.20% of float
# Filer Shares Value % of Total % of Float Period
1 BlackRock, Inc. Custodian 683,151 $20.23M 18.42% 7.69% 2026-06-30
2 Vanguard Capital Management LLC 387,611 $11.48M 10.45% 4.36% 2026-06-30
3 Dimensional Fund Advisors LP Custodian 311,726 $9.78M 8.91% 3.51% 2026-09-30
4 Geode Capital Management, LLC Custodian 221,839 $6.96M 6.34% 2.50% 2026-09-30
5 State Street Corp 204,851 $6.07M 5.52% 2.31% 2026-06-30
6 American Century Companies, Inc. 137,955 $4.08M 3.72% 1.55% 2026-06-30
7 Arrowstreet Capital, Limited Partnership 135,903 $4.02M 3.67% 1.53% 2026-06-30
8 Qube Research & Technologies Ltd 85,233 $2.52M 2.30% 0.96% 2026-06-30
9 Marshall Wace, LLP Custodian 83,618 $2.48M 2.26% 0.94% 2026-06-30
10 Elizabeth Park Capital Advisors, Ltd. 80,480 $2.38M 2.17% 0.91% 2026-06-30
11 Northern Trust Corp Custodian 74,396 $2.20M 2.01% 0.84% 2026-06-30
12 LPL Financial LLC Custodian 65,054 $2.04M 1.86% 0.73% 2026-09-30
13 RENAISSANCE TECHNOLOGIES LLC 62,184 $1.84M 1.68% 0.70% 2026-06-30
14 Vanguard Portfolio Management LLC 60,601 $1.79M 1.63% 0.68% 2026-06-30
15 Vanguard Fiduciary Trust Co 59,174 $1.75M 1.60% 0.67% 2026-06-30
16 AQR Capital Management, LLC Custodian 56,205 $1.66M 1.52% 0.63% 2026-06-30
17 Morgan Stanley Custodian 53,461 $1.58M 1.44% 0.60% 2026-06-30
18 AMES NATIONAL CORP 46,557 $1.33M 1.21% 0.52% 2026-06-30
19 O'SHAUGHNESSY ASSET MANAGEMENT, LLC 43,214 $1.28M 1.17% 0.49% 2026-06-30
20 Connor, Clark & Lunn Investment Management Ltd. 43,074 $1.28M 1.16% 0.48% 2026-06-30
21 Goldman Sachs Group Inc Custodian 42,392 $1.26M 1.14% 0.48% 2026-06-30
22 Trexquant Investment LP 41,416 $1.23M 1.12% 0.47% 2026-06-30
23 Citadel Advisors LLC Custodian 38,924 $1.15M 1.05% 0.44% 2026-06-30
24 ACADIAN ASSET MANAGEMENT LLC 36,993 $1.09M 0.99% 0.42% 2026-06-30
25 RITHOLTZ WEALTH MANAGEMENT 33,313 $1.05M 0.95% 0.37% 2026-09-30
1 filers$222.07K notional
# Filer Notional Value % of Total Period
1 Jane Street Group, LLC Custodian $222.07K 100.00% 2026-06-30
# Filer Notional Value % of Total Period

ATLO Insider Trading (Form 4)

Latest: 2026-11-04
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-11-04 Adam Snodgrass Buy (P) +200 $34.13 $6.8K EDGAR
2026-11-02 Michelle R Cassabaum Director Buy (P) +48 $33.66 $1.6K EDGAR
2026-09-10 Jeffery C Baker Director Buy (P) +300 $31.88 $9.6K EDGAR
2026-09-01 Michelle R Cassabaum Director Buy (P) +180 $31.54 $5.7K EDGAR
2026-08-21 Douglas W Beals Director Buy (P) +325 $31.16 $10.1K EDGAR
2026-08-17 Richard Schreier Buy (P) +316 $31.60 $10.0K EDGAR
2026-08-03 Michelle R Cassabaum Director Buy (P) +140 $30.20 $4.2K EDGAR
2026-05-29 Michelle R Cassabaum Director Buy (P) +170 $28.83 $4.9K EDGAR
2026-05-15 Patrick G Hagan Director Buy (P) +200 $27.69 $5.5K EDGAR
2026-05-12 Patrick G Hagan Director Buy (P) +100 $27.65 $2.8K EDGAR
2026-02-27 Michelle R Cassabaum Director Buy (P) +205 $27.25 $5.6K EDGAR
2026-02-02 Michelle R Cassabaum Director Buy (P) +280 $26.11 $7.3K EDGAR
2025-12-10 Scot A. Trost Director Buy (P) +200 $22.88 $4.6K EDGAR
2025-12-03 Scott T Bauer Buy (P) +20 $21.68 $434 EDGAR
2025-11-24 Kevin L Swartz Director Buy (P) +200 $20.80 $4.2K EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

ATLO Insider Holdings

16 insiders · @ $34.23
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 John Patrick Nelson President 30,111 $1.03M $233.7K 17 2025-09-17
2 Horras Betty A Baudler Director 25,475 $872.0K $106.3K 24 2025-06-03
3 Patrick G Hagan Director 15,835 $542.0K $311.8K 49 2026-05-15
4 Richard Schreier 11,907 $407.6K $49.8K 7 2026-08-17
5 Michelle R Cassabaum Director 10,356 $354.5K $178.8K 44 2026-11-02
6 Scott T Bauer 10,271 $351.6K $110.5K 23 2025-12-03
7 Kevin L Swartz Director 5,380 $184.2K $87.3K 8 2025-11-24
8 Jeffrey K Putzier 4,479 $153.3K $18.3K 14 2025-11-19
9 Jeffery C Baker Director 3,879 $132.8K $64.9K 6 2026-09-10
10 Douglas W Beals Director 3,275 $112.1K $32.6K 4 2026-08-21
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

ATLO Board & Officers

As of SEC filings through Nov 4, 2026

Directors 11

Officers 3

Changes in the last 10 years (38)
Apr 30, 2026Horras Betty A Baudler reported in an SEC filing no longer being a director
Apr 30, 2026Amy F Rieck became a director
May 1, 2025Douglas W Beals became a director
May 1, 2025David W. Benson reported in an SEC filing no longer being a director
Oct 29, 2024Justin C Clausen listed as Chief Financial Officer (previously Chief Accounting Officer) in SEC filings
May 1, 2024Thomas H Pohlman reported in an SEC filing no longer being a director
May 1, 2024Steven D Forth reported in an SEC filing no longer being a director
May 1, 2024James R Larson II reported in an SEC filing no longer being a director
Apr 24, 2024Scot A. Trost became a director
Apr 24, 2024Everett S Miles became a director
Jan 31, 2024Dan E Johnson no longer listed as President of subsidiary bank in SEC filings
Jan 5, 2024Dan E Johnson first listed as President of subsidiary bank in an SEC filing
Nov 17, 2023Justin C Clausen became Chief Accounting Officer
Nov 8, 2023The company announced the departure of John L Pierschbacher as CFO in an SEC filing
Oct 3, 2022Michael A Wilson became Executive Vice President
Apr 27, 2022Jeffery C Baker became a director
Jan 25, 2022John Patrick Nelson first listed as a director in an SEC filing
Jan 25, 2022John Patrick Nelson first listed as President in an SEC filing
Dec 23, 2020Kevin G Deardorff reported in an SEC filing no longer being Senior Vice President
Feb 12, 2020John Patrick Nelson no longer listed as Vice President & CFO in SEC filings
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
Recent SEC Filings
Latest: 2026-11-06
Current reports — material events the company must disclose within 4 business days (earnings releases, M&A, executive changes, etc.).
Filing Date Event Link
2026-10-16 Earnings results EDGAR
2026-08-13 Other events EDGAR
2026-07-17 Earnings results EDGAR
Annual report — audited financial statements, MD&A, risk factors. Filed 60–90 days after fiscal year-end.
Filing Date Accession Link
Quarterly report — unaudited financials and MD&A. Filed 40–45 days after each of the first three fiscal quarters.
Filing Date Accession Link
2026-11-06 0001437749-26-035567 EDGAR
2026-08-07 0001437749-26-026572 EDGAR
ETF Holders
35 ETFs hold ATLO
25 shown · $44.56M total exposure · 0.01% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $8.8M — 2026-09-30
2 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.01% $8.4M $76.6B 2026-11-06
3 AVUV Avantis U.S. Small Cap Value ETF Avantis 0.02% $6.4M $31.6B 2026-11-05
4 DFAT Dimensional US Targeted Value ETF Dimensional 0.01% $3.3M — 2026-11-05
5 VXF Vanguard Extended Market ETF Vanguard 0.00% $3.2M — 2026-09-30
6 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.02% $2.9M $13.9B 2026-11-06
7 DFAS Dimensional US Small Cap ETF Dimensional 0.01% $2.3M — 2026-11-05
8 VTWO Vanguard Russell 2000 ETF Vanguard 0.01% $1.6M — 2026-09-30
9 FDM First Trust Dow Jones Select MicroCap Index Fund First Trust 0.50% $1.3M $263.7M 2026-11-06
10 DFMC Dimensional US Micro Cap ETF Dimensional 0.01% $1.0M — 2026-11-05
11 AFSM First Trust Active Factor Small Cap ETF First Trust 0.78% $1.0M $128.8M 2026-11-06
12 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.08% $928,215 $1.2B 2026-11-06
13 DFSV Dimensional US Small Cap Value ETF Dimensional 0.00% $820,841 — 2026-11-05
14 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $815,939 — 2026-11-05
15 AVSC Avantis U.S. Small Cap Equity ETF Avantis 0.02% $484,900 $3.2B 2026-11-05
16 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.02% $358,370 — 2026-06-30
17 VTWV Vanguard Russell 2000 Value ETF Vanguard 0.02% $260,580 — 2026-09-30
18 RSSL Global X Russell 2000 ETF Global X 0.01% $144,596 — 2026-11-06
19 PRFZ Invesco RAFI US 1500 Small-Mid ETF Nport 0.00% $127,652 — 2026-07-31
20 QABA First Trust NASDAQ® ABA Community Bank Index Fund First Trust 0.13% $109,210 $87.0M 2026-11-06
21 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.00% $60,285 — 2026-11-05
22 DFUS Dimensional US Equity Market ETF Dimensional 0.00% $51,434 $20.9B 2026-11-05
23 OMFS Invesco Russell 2000 Dynamic Multifactor ETF Invesco 0.01% $34,483 — 2026-11-05
24 DFAU Dimensional US Core Equity Market ETF Dimensional 0.00% $32,883 $12.6B 2026-11-05
25 AVUS Avantis U.S. Equity ETF Avantis 0.00% $26,381 $14.3B 2026-11-05
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
14.14
TTM Diluted EPS
$2.42
TTM Revenue
$99.60M
TTM Net Income
$21.54M
TTM Op. Cash Flow
$22.58M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q1 '262026-03-31$25.00M$5.96M$0.67$8.36M
Q4 '252025-12-31$26.09M$6.51M$0.73$7.46M
Q3 '252025-09-30$24.39M$4.56M$0.51$2.75M
Q2 '252025-06-30$24.13M$4.51M$0.51$4.01M
Q1 '252025-03-31$23.66M$3.44M$0.39$7.12M
Q4 '242024-12-31$23.88M$3.51M$0.39$5.94M
Q3 '242024-09-30$23.12M$2.22M$0.25$3.10M
Q2 '242024-06-30$23.15M$2.18M$0.24$3.89M
Q1 '242024-03-31$22.29M$2.30M$0.26$1.37M
Q4 '232023-12-31$22.14M$2.14M$0.23$6.39M
Q3 '232023-09-30$21.12M$2.92M$0.33$2.34M
Q2 '232023-06-30$20.80M$2.56M$0.28$3.98M
Q1 2026 • period ending 2026-03-31 • filed 2026-05-08
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
14.14
P/B
1.47
P/S
3.05
EV/EBITDA
11.02
EV/Sales
3.02
ROE
10.4%
ROA
1.0%
Div Yield
2.60%
FCF Yield
7.42%
Debt/Equity
0.09
Current Ratio
—
Market Cap
$304.19M
as of 2026-11-09

ATLO vs Peers

Related companies, largest first
Company Market cap P/E Revenue growth YTD IV rank
ORRF Orrstown Financial Services Inc $861M 10.2 +10.7% +27.3% 61
PGC Peapack-Gladstone Financial Corp $814M 18.8 +10.3% +67.4% 44
IBCP Independent Bank Corp. $802M 11.0 −1.5% +14.9% 29
CTO CTO Realty Growth, Inc. $783M 17.9 +15.3% +11.1% 37
FISI Financial Institutions Inc $776M 10.0 +39.3% +30.4% 40
GCMG GCM Grosvenor Inc. Class A Common Stock $774M 29.2 +4.8% +19.0% 27
WASH Washington Trust Bancorp Inc $737M 14.4 +22.9% +36.7% 44
CARE Carter Bankshares, Inc. Common Stock $630M 6.0 +30.4% +51.3% 30
ATLO AMES National Corp $300M 14.1 +6.2% +50.5% 15
Peer median $779M 12.7 +13.0% +28.9% 38

P/E uses the latest reported trailing-12-month diluted EPS; "—" means no positive earnings or no data.

Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
261.37K
SI % of Float
3.02%
Days to Cover
14.55
Short Vol Ratio
62.1%
Free Float
8.65M
Float %
97.6%
Short interest 2026-10-15 • Short volume 2026-11-09 • Float 2026-05-15