Ames National (NASDAQ:ATLO) & 1st Capital Bank (NASDAQ:FISB) Head-To-Head Analysis

Ames National (NASDAQ:ATLO) and 1st Capital Bank (OTCMKTS:FISB) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, valuation, dividends, profitability, institutional ownership, earnings and analyst recommendations.

Profitability

This table compares Ames National and 1st Capital Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Ames National 28.50% 9.97% 1.20%
1st Capital Bank N/A N/A N/A

Dividends

Ames National pays an annual dividend of $0.96 per share and has a dividend yield of 3.7%. 1st Capital Bank does not pay a dividend. Ames National has raised its dividend for 3 consecutive years.

Insider & Institutional Ownership

23.5% of Ames National shares are held by institutional investors. Comparatively, 5.3% of 1st Capital Bank shares are held by institutional investors. 4.8% of Ames National shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Risk and Volatility

Ames National has a beta of 0.59, meaning that its share price is 41% less volatile than the S&P 500. Comparatively, 1st Capital Bank has a beta of 0.51, meaning that its share price is 49% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations and price targets for Ames National and 1st Capital Bank, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Ames National 0 0 0 0 N/A
1st Capital Bank 0 0 0 0 N/A

Earnings & Valuation

This table compares Ames National and 1st Capital Bank’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Ames National $57.63 million 4.17 $17.01 million N/A N/A
1st Capital Bank $20.92 million 3.98 $2.85 million N/A N/A

Ames National has higher revenue and earnings than 1st Capital Bank.

Summary

Ames National beats 1st Capital Bank on 11 of the 11 factors compared between the two stocks.

About Ames National

Ames National Corporation operates as a multi-bank holding company that provides banking services primarily in the central, north-central, and south-central Iowa counties of Boone, Clarke, Hancock, Marshall, Polk, and Story. The company offers a range of deposits, including checking, savings, and accounts; and time deposits of various types, including money market accounts and certificates of deposit. It also provides loans, such as short-term and medium-term commercial and agricultural real estate loans, residential real estate loans, equipment loans, vehicle loans, personal loans and lines of credit, and home improvement loans, as well as agricultural and business operating loans and lines of credit; and originates mortgage loans for sale into the secondary market. In addition, the company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit of payroll and social security check, and automated/video teller machine access services; and automatic drafts for various accounts, as well as trust services comprising wealth management services. Further, it provides farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and online management, mobile banking, and private banking services. The company was founded in 1903 and is based in Ames, Iowa.

About 1st Capital Bank

1st Capital Bank provides various banking products and services to businesses, professionals, real estate investors, family commercial entities, and individuals in the central coast region of California. Its deposit products include personal and business checking, savings, money market, and certificates of deposit accounts, as well as individual retirement accounts and health savings accounts. The company also offers business loans and lines of credit, such as long term loans for fixed-asset purchases and permanent working capital, asset-based lines of credit to cover accounts receivables and inventory, short term lines of credit to support short-term seasonal working capital needs or inventory purchases, equipment financing, and acquisition financing; and commercial real estate loans comprising term loans for the purchase or refinance of commercial and multi-family residential properties; and personal loans for business owners. In addition, it provides agriculture and wine industry lending products, including long or short term loans for crops, orchards, winery, and vineyard development; real estate purchases or debt refinancing; machinery and equipment purchase; and building improvements, as well as lines of credit for seasonal needs. Further, the company offers small business administration and government guaranteed lending solutions; debit cards; cash management services that include ACH origination, online wire transfer, check reconciliation, merchant card, and remote deposit capture services; and remote check scanning, remote branch deposit, online banking, telephone banking, courier, electronic bill payment, mobile banking, and remote wire request services, as well as invests in securities. It operates through full service branch offices in Monterey, Salinas, King City, and San Luis Obispo, California. The company was incorporated in 2006 and is based in Salinas, California.

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