ATLO

Ames NationalD

Nasdaq / Banks

At close

2026-07-18

Current thesis

Stronger-than-expected NIM expansion and stable credit trends push ATLO above near-term resistance, validating a move toward the high-$20s; execution on growth and stable deposit mix are key.

Posture

Defensive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.0.

What can break

Elevated credit losses or rising loan-loss provisions, especially from CRE or local commercial exposures, that weaken capital and reduce earnings visibility [#SERP-6].

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $23.20 · Bull $28.00 · Bear $16.09

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-24 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $31.00

Why

Momentum40 · Δ7d -10.5

Value54 · Δ7d +0.0

Sentiment36 · Δ7d -2.8

So what

Weak posture (Net Neutral). Prioritize risk control and patience.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-10.5

Δ21d

-26.9

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.0

Δ21d

+1.6

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-2.8

Δ21d

+0.8

Why this grade

Composite grade D. Momentum 39.8 / Value 54.5 / Sentiment 36.1

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$262.35M

Beta

0.38

Shares Out

8.86M

P/E (TTM)

12.8

P/S (TTM)

3.25

P/FCF (TTM)

16.77

Rev YoY

+5.6%

EPS YoY

+74.3%

Gross Margin

Op Margin

+31.7%

Net Debt

$39.67M

Current Ratio

0.37

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology