Which has the lower trailing P/E, ATLO or FNRN?

ATLO has the lower trailing P/E: ATLO trades at 12.48 and FNRN at 12.78. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ATLO or FNRN?

Over the past five years, FNRN grew revenue faster — ATLO at a 6.95% CAGR versus FNRN at 9.62%.

Does ATLO or FNRN pay a bigger dividend?

ATLO pays a dividend (2.88% yield), while FNRN has no payments in the available dividend history.

Is ATLO or FNRN more profitable?

FNRN runs the higher net margin — ATLO at 22.64% versus FNRN at 25.21%.

How have ATLO and FNRN total returns compared?

Over the past 10 years, ATLO delivered 5.91% and FNRN delivered 13.41% annualized total return. Past performance doesn't predict future results.

Ames National Corporation (ATLO) vs First Northern Community Bancorp (FNRN)

A side-by-side comparison of Ames National Corporation and First Northern Community Bancorp across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ATLO

Ames National Corporation

$285M

$32.21Financial ServicesDelayed quote: Oct 6, 2026, 2:20 PM EDT

FNRN

First Northern Community Bancorp

$291M

$17.76Financial ServicesDelayed quote: Oct 6, 2026, 2:17 PM EDT

Total return — ATLO vs FNRN

growth of $100 · dividends reinvested · last 10y

ATLO +79.2% (+6.0%/yr)FNRN +251.1% (+13.4%/yr)FNRN compounded faster over this window

ATLO FNRN

ATLO vs FNRN: by the numbers

•FNRN is the larger company ($291M vs $285M market cap).
•ATLO trades at the lower trailing earnings multiple (12.48 vs 12.78 P/E), one valuation lens rather than an overall verdict.
•FNRN converts more revenue to profit (25.21% vs 22.64% net margin).
•FNRN grew revenue faster over the past five years (9.62% vs 6.95% CAGR).
•ATLO pays a dividend (2.88% yield), while FNRN has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	ATLO	FNRN
P/E ratio	12.48	12.78
Forward P/E	11.84	N/A
PEG ratio	16.21	1.04
P/S ratio	2.81	3.25
P/B ratio	1.34	1.34

Profitability

Metric	ATLO	FNRN
Operating margin	28.32%	31.96%
Net margin	22.64%	25.21%
ROE	10.78%	10.42%

Ames National Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

First Northern Community Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	ATLO	FNRN
Dividend yield	2.88%	N/A
Payout ratio	35.66%	N/A

Growth (annualized)

Metric	ATLO	FNRN
Revenue CAGR (5Y)	6.95%	9.62%
EPS CAGR (5Y)	0.77%	12.61%
Total return CAGR (5Y)	11.51%	15.84%

Frequently asked

Which has the lower trailing P/E, ATLO or FNRN?: ATLO has the lower trailing P/E: ATLO trades at 12.48 and FNRN at 12.78. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ATLO or FNRN?: Over the past five years, FNRN grew revenue faster — ATLO at a 6.95% CAGR versus FNRN at 9.62%.
Does ATLO or FNRN pay a bigger dividend?: ATLO pays a dividend (2.88% yield), while FNRN has no payments in the available dividend history.
Is ATLO or FNRN more profitable?: FNRN runs the higher net margin — ATLO at 22.64% versus FNRN at 25.21%.
How have ATLO and FNRN total returns compared?: Over the past 10 years, ATLO delivered 5.91% and FNRN delivered 13.41% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ATLO analysis Full FNRN analysis Interactive comparison tool

Dig into the metrics

Ames National P/E ratio First Northern Community Bancorp P/E ratio Ames National dividend yield Ames National ROE First Northern Community Bancorp ROE Ames National operating margin First Northern Community Bancorp operating margin Ames National revenue growth First Northern Community Bancorp revenue growth

Ames National & First Northern Community Bancorp appear in these rankings

Highest Dividend Yield Stocks Highest Operating Margin Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.