earnings
confidence high
sentiment positive
materiality 0.80
Ames National Q4 net income $6.5M ($0.73) doubles YoY; guides 2026 EPS $2.70-$2.80
AMES NATIONAL CORP
- Q4 2025 net income $6.5M ($0.73/share) vs $3.5M ($0.39) in Q4 2024, up 85%.
- Full year 2025 net income $19.0M ($2.14/share) vs $10.2M ($1.14) in 2024.
- Net interest margin improved to 3.00% (Q4 2025) from 2.38% (Q4 2024) on higher loan yields and lower deposit costs.
- Fiscal 2026 EPS guidance $2.70-$2.80, above 2025 actual $2.14, on expected margin expansion.
- Declared $0.20 quarterly dividend; repurchased 34,947 shares in Q4 at avg $20.98.