Ames National Corporation — Earnings Quality Grade A
ATLO · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 77 days, change -15 days YoY
AR growth 1.5% vs revenue growth 21.9%
Revenue 21.9%, CFFO 49.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 115.4% is >2x revenue growth 21.9%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.12. Profits backed by cash
FCF $0.0B, FCF/NI = 1.09
Accruals ratio = -0.1%. Low accruals
Cash $0.1B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 6% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -2% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Ames National Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25