Ames National Corporation (ATLO) vs First Community Corporation (FCCO)

Ames National Corporation and First Community Corporation are both Banks Regional companies. Ames National Corporation and First Community Corporation are of similar size ($304.5M and $284.8M). First Community Corporation trades at the lower P/E: 12.0× against 12.5×. First Community Corporation grew revenue faster over the last twelve months: 15.9% against 7.03%. Ames National Corporation has the higher net margin (22.6% vs 18.3%) and the lower return on invested capital (18.7% vs 24.6%). Both pay a dividend; Ames National Corporation yields more (2.86% vs 2.00%). Across the 19 metrics below, First Community Corporation leads on 10 and Ames National Corporation on 9.

Valuation

Metric ATLO FCCO Banks Regional median
P/E 12.47 11.96 11.98
P/S 2.81 2.42 2.34
P/B 1.34 1.34 1.19
Price to free cash flow 11.69 46.37 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.02% 8.36% 8.23%
Free cash flow yield 8.56% 2.16% 9.08%

Profitability

Metric ATLO FCCO Banks Regional median
Gross margin 71.52% 70.81% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.64% 18.32% 18.66%
Free cash flow margin 24.03% 5.21% 21.11%
Return on equity 11.31% 12.06% 10.65%
Return on assets 1.09% 1.05% 1.13%
Return on invested capital 18.74% 24.59% 8.35%

Growth

Metric ATLO FCCO Banks Regional median
Revenue growth (TTM) 7.03% 15.93% 6.98%
EPS growth (last fiscal year) 87.72% 36.46% 18.88%
Revenue growth, 5-year CAGR 5.96% 14.65% 12.38%
Net income growth, 5-year CAGR 0.19% 13.72% 9.71%

Health

Metric ATLO FCCO Banks Regional median
Debt to equity 0.00 0.07 0.22
Current ratio 0.72 0.82 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ATLO FCCO Banks Regional median
Dividend yield 2.86% 2.00% 2.57%
Payout ratio 0.36 0.24 0.30

Size

Metric ATLO FCCO Banks Regional median
Market cap 284.76m 304.46m 913.33m

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