WallStSmart

Ames National Corporation (ATLO)vsJPMorgan Chase & Co (JPM)

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Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 249658% more annual revenue ($190.73B vs $76.37M). JPM leads profitability with a 34.6% profit margin vs 33.3%. ATLO appears more attractively valued with a PEG of 1.03. ATLO earns a higher WallStSmart Score of 75/100 (B+).

ATLO

Strong Buy

75

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 6.3Quality: 5.5
Piotroski: 7/9Altman Z: 1.15

JPM

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ATLO6 strengths · Avg: 9.3/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.3%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.4%10/10

Strong operational efficiency at 46.4%

EPS GrowthGrowth
55.2%10/10

Earnings expanding 55.2% YoY

P/E RatioValuation
12.5x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
27.6%8/10

Revenue surging 27.6% year-over-year

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$902.16B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
34.6%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
42.6%10/10

Strong operational efficiency at 42.6%

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

ATLO2 concerns · Avg: 2.5/10
Market CapQuality
$286.18M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
1.152/10

Distress zone — elevated risk

JPM3 concerns · Avg: 2.3/10
PEG RatioValuation
1.574/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.321/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : ATLO

The strongest argument for ATLO centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 46.4%. Revenue growth of 27.6% demonstrates continued momentum.

Bull Case : JPM

The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.

Bear Case : ATLO

The primary concerns for ATLO are Market Cap, Altman Z-Score.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.

Key Dynamics to Monitor

ATLO profiles as a growth stock while JPM is a mature play — different risk/reward profiles.

JPM carries more volatility with a beta of 1.01 — expect wider price swings.

ATLO is growing revenue faster at 27.6% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ATLO scores higher overall (75/100 vs 71/100), backed by strong 33.3% margins and 27.6% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Ames National Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Ames National Corporation is a multi-bank holding company offering banking products and services primarily in Adams, Boone, Clarke, Hancock, Polk, Marshall, Ringgold, Story, Taylor and Union counties in central, north-central counties. and south. --Central Iowa. The company is headquartered in Ames, Iowa.

JPMorgan Chase & Co

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.

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