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

FRAF has the lower trailing P/E: ATLO trades at 12.51 and FRAF at 11.58. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ATLO or FRAF?

Over the past five years, FRAF grew revenue faster — ATLO at a 6.95% CAGR versus FRAF at 17.02%.

Does ATLO or FRAF pay a bigger dividend?

ATLO yields 2.88% and FRAF yields 2.13% based on trailing dividends and the latest price.

Is ATLO or FRAF more profitable?

ATLO runs the higher net margin — ATLO at 22.64% versus FRAF at 18.24%.

How have ATLO and FRAF total returns compared?

Over the past 10 years, ATLO delivered 5.91% and FRAF delivered 13.94% annualized total return. Past performance doesn't predict future results.

Ames National Corporation (ATLO) vs Franklin Financial Services Corporation (FRAF)

A side-by-side comparison of Ames National Corporation and Franklin Financial Services Corporation 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

$286M

$32.27Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

FRAF

Franklin Financial Services Corporation

$286M

$63.55Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — ATLO vs FRAF

growth of $100 · dividends reinvested · last 10y

ATLO +79.2% (+6.0%/yr)FRAF +268.7% (+13.9%/yr)FRAF compounded faster over this window

ATLO FRAF

ATLO vs FRAF: by the numbers

•ATLO is the larger company ($286M vs $286M market cap).
•FRAF trades at the lower trailing earnings multiple (11.58 vs 12.51 P/E), one valuation lens rather than an overall verdict.
•ATLO converts more revenue to profit (22.64% vs 18.24% net margin).
•FRAF grew revenue faster over the past five years (17.02% vs 6.95% CAGR).
•ATLO pays the higher dividend yield (2.88% vs 2.13%).

Metrics side by side

Valuation

Metric	ATLO	FRAF
P/E ratio	12.51	11.58
Forward P/E	11.86	10.97
PEG ratio	16.24	1.15
P/S ratio	2.82	2.11
P/B ratio	1.34	1.55

Profitability

Metric	ATLO	FRAF
Operating margin	28.32%	22.72%
Net margin	22.64%	18.24%
ROE	10.78%	13.41%

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.

Franklin Financial Services 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.

Dividends

Metric	ATLO	FRAF
Dividend yield	2.88%	2.13%
Payout ratio	35.66%	24.41%

Growth (annualized)

Metric	ATLO	FRAF
Revenue CAGR (5Y)	6.95%	17.02%
EPS CAGR (5Y)	0.77%	10.03%
Total return CAGR (5Y)	11.51%	18.89%

Frequently asked

Which has the lower trailing P/E, ATLO or FRAF?: FRAF has the lower trailing P/E: ATLO trades at 12.51 and FRAF at 11.58. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ATLO or FRAF?: Over the past five years, FRAF grew revenue faster — ATLO at a 6.95% CAGR versus FRAF at 17.02%.
Does ATLO or FRAF pay a bigger dividend?: ATLO yields 2.88% and FRAF yields 2.13% based on trailing dividends and the latest price.
Is ATLO or FRAF more profitable?: ATLO runs the higher net margin — ATLO at 22.64% versus FRAF at 18.24%.
How have ATLO and FRAF total returns compared?: Over the past 10 years, ATLO delivered 5.91% and FRAF delivered 13.94% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ATLO analysis Full FRAF analysis Interactive comparison tool

Dig into the metrics

Ames National P/E ratio Franklin Financial Services P/E ratio Ames National dividend yield Franklin Financial Services dividend yield Ames National ROE Franklin Financial Services ROE Ames National operating margin Franklin Financial Services operating margin Ames National revenue growth Franklin Financial Services revenue growth

Ames National & Franklin Financial Services appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth 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.