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Stock comparison · Signal date 2026-11-06

ATLO vs CARE: stock comparison and AI forecast

Ames National Corp (ATLO) and Carter Bankshares, Inc. (CARE) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market

Share
Nasdaq · National Commercial Banks

ATLO Ames National Corp

Market Cap
$300M
P/E Ratio
12.8x
Size
small-cap
AI Forecast
Full analysis →
Nasdaq · National Commercial Banks

CARE Carter Bankshares, Inc.

Market Cap
$636M
P/E Ratio
4.3x
Size
small-cap
AI Forecast
Full analysis →
Model output

Which one does the AI model favor?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

ATLO · CARE

Key facts

  • CARE is 2.1 times larger than ATLO by market capitalization ($636M against $300M).
  • CARE trades at 4.3 times trailing earnings, ATLO at 12.8 times.
  • ATLO turns 33.0% of its revenue into net income, against 30.6% for CARE.
  • ATLO carries 9.12 times debt per unit of equity, against 7.98 times for CARE.
  • ATLO yields 2.71% in dividends; CARE pays none.
  • Both companies share the SEC industry classification National Commercial Banks.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricATLOCARE
Market Cap$300M$636M
P/E Ratio12.79x4.30x
P/B Ratio1.46x1.21x
Dividend Yield2.71%–
EPS$2.65$6.67
Book Value/Share$23.23$23.77
Revenue/Share$8.71$19.28
FCF/Share$2.52$2.19

Profitability & Margins

MetricATLOCARE
ROE12.4%24.8%
ROA1.2%2.8%
Net Margin33.0%30.6%
EBT Margin42.5%38.5%
Tax Rate22.4%20.5%

Financial Health

MetricATLOCARE
D/E Ratio9.12x7.98x
Financial Leverage10.12x8.98x

Cash Flow

MetricATLOCARE
Operating Cash Flow$24M$57M
Free Cash Flow$22M$48M
Capital Spending-$2M-$8M
OCF Growth YoY23.1%45.2%
FCF Growth YoY15.4%55.7%
FCF/Sales28.9%11.3%
CapEx/Sales2.7%2.0%

Operational Efficiency

MetricATLOCARE
Asset Turnover0.04x0.09x
Fixed Assets Turnover3.5x6.2x

Income Statement

MetricATLOCARE
Total Revenue$77M$427M
Net Income$25M$131M

Dividend & Shareholder Information

MetricATLOCARE
Dividends Per Share$0.92–
Payout Ratio34.7%–
Shares Outstanding9M22M
Net Income Growth58.8%320.1%
EPS Growth–529.2%
FAQ

ATLO vs CARE: stock comparison and AI forecast

Which is bigger, ATLO or CARE?

CARE is 2.1 times larger than ATLO by market capitalization ($636M against $300M).

Which is cheaper on earnings, ATLO or CARE?

CARE trades at 4.3 times trailing earnings, ATLO at 12.8 times.

Which one does Intratio's AI model rank higher, ATLO or CARE?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.