secwatch.observer — SEC 8-K summary
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Issuer:     AMES NATIONAL CORP (ATLO)
CIK:        0001132651
Form:       8-K
Filed at:   2026-01-23T23:59:59+00:00
Accession:  0001437749-26-001905
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Ames National Q4 net income $6.5M ($0.73) doubles YoY; guides 2026 EPS $2.70-$2.80
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1132651/000143774926001905/0001437749-26-001905-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1132651/000143774926001905/atlo20250930_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-001905

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