AMES NATIONAL CORPATLOEarnings & Financial Report
Ames National Corp is a U.S. financial holding company based in Iowa. It operates multiple community banking subsidiaries, offering retail and commercial financial services including deposit accounts, personal and business loans, mortgages, and wealth management, primarily serving consumers and SMEs across central Iowa.
ATLO Q4 FY2025 Key Financial Metrics
Revenue
$18.7M
Gross Profit
N/A
Operating Profit
$8.3M
Net Profit
$6.5M
Gross Margin
N/A
Operating Margin
44.3%
Net Margin
34.9%
YoY Growth
26.7%
EPS
$0.73
AMES NATIONAL CORP Q4 FY2025 Financial Summary
AMES NATIONAL CORP reported revenue of $18.7M (up 26.7% YoY) for Q4 FY2025, with a net profit of $6.5M (up 85.4% YoY) (34.9% margin).
Key Financial Metrics
| Total Revenue | $18.7M |
|---|---|
| Net Profit | $6.5M |
| Gross Margin | N/A |
| Operating Margin | 44.3% |
| Report Period | Q4 FY2025 |
AMES NATIONAL CORP Annual Revenue by Year
AMES NATIONAL CORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $66.8M).
AMES NATIONAL CORP Quarterly Revenue & Net Profit History
AMES NATIONAL CORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $18.7M | +26.7% | $6.5M | 34.9% |
| Q3 FY2025 | $16.6M | +22.9% | $4.6M | 27.5% |
| Q2 FY2025 | $16.1M | +19.4% | $4.5M | 28.0% |
| Q1 FY2025 | $15.5M | +18.2% | $3.4M | 22.3% |
| Q4 FY2024 | $14.7M | +11.3% | $3.5M | 23.8% |
| Q3 FY2024 | $13.5M | +3.4% | $2.2M | 16.4% |
| Q2 FY2024 | $13.5M | -0.9% | $2.2M | 16.2% |
| Q1 FY2024 | $13.1M | -6.0% | $2.3M | 17.6% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $13.1M | $13.5M | $13.5M | $14.7M | $15.5M | $16.1M | $16.6M | $18.7M |
| YoY Growth | -6.0% | -0.9% | 3.4% | 11.3% | 18.2% | 19.4% | 22.9% | 26.7% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.19B | $2.13B | $2.12B | $2.13B | $2.18B | $2.09B | $2.11B | $2.13B |
| Liabilities | $2.03B | $1.96B | $1.94B | $1.96B | $2.00B | $1.90B | $1.91B | $1.93B |
| Equity | $165.5M | $167.1M | $183.4M | $174.7M | $183.1M | $193.0M | $200.6M | $207.9M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $1.4M | $3.9M | $3.1M | $14.3M | $7.1M | $4.0M | $2.8M | $21.3M |