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

ATLO has the lower trailing P/E: ATLO trades at 12.52 and PMTS at 21.59. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ATLO or PMTS?

Over the past five years, PMTS grew revenue faster — ATLO at a 6.95% CAGR versus PMTS at 10.96%.

Does ATLO or PMTS pay a bigger dividend?

ATLO pays a dividend (2.88% yield), while PMTS is a former payer with no current dividend run rate.

Is ATLO or PMTS more profitable?

ATLO runs the higher net margin — ATLO at 22.64% versus PMTS at 2.34%.

How have ATLO and PMTS total returns compared?

Over the past 10 years, ATLO delivered 5.91% and PMTS delivered -1.73% annualized total return. Past performance doesn't predict future results.

Ames National Corporation (ATLO) vs CPI Card Group Inc. (PMTS)

A side-by-side comparison of Ames National Corporation and CPI Card Group Inc. 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

$32.30Financial ServicesDelayed quote: Oct 6, 2026, 1:54 PM EDT

PMTS

CPI Card Group Inc.

$285M

$24.83Financial ServicesDelayed quote: Oct 6, 2026, 1:54 PM EDT

Total return — ATLO vs PMTS

growth of $100 · dividends reinvested · last 10y

ATLO +79.2% (+6.0%/yr)PMTS -16.2% (-1.8%/yr)ATLO compounded faster over this window

ATLO PMTS

ATLO vs PMTS: by the numbers

•ATLO is the larger company ($286M vs $285M market cap).
•ATLO trades at the lower trailing earnings multiple (12.52 vs 21.59 P/E), one valuation lens rather than an overall verdict.
•ATLO converts more revenue to profit (22.64% vs 2.34% net margin).
•PMTS grew revenue faster over the past five years (10.96% vs 6.95% CAGR).
•ATLO pays a dividend (2.88% yield), while PMTS is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	ATLO	PMTS
P/E ratio	12.52	21.59
Forward P/E	11.87	8.32
PEG ratio	16.26	N/A
P/S ratio	2.82	0.49
P/B ratio	1.34	N/A
EV / EBITDA	N/A	6.93
FCF yield	N/A	26.87%

Profitability

Metric	ATLO	PMTS
Gross margin	N/A	30.97%
Operating margin	28.32%	9.22%
Net margin	22.64%	2.34%
ROE	10.78%	N/A
ROIC	N/A	11.81%

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.

Dividends

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

Growth (annualized)

Metric	ATLO	PMTS
Revenue CAGR (5Y)	6.95%	10.96%
EPS CAGR (5Y)	0.77%	-1.73%
FCF CAGR (5Y)	N/A	26.55%
Total return CAGR (5Y)	11.51%	-4.16%

Frequently asked

Which has the lower trailing P/E, ATLO or PMTS?: ATLO has the lower trailing P/E: ATLO trades at 12.52 and PMTS at 21.59. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ATLO or PMTS?: Over the past five years, PMTS grew revenue faster — ATLO at a 6.95% CAGR versus PMTS at 10.96%.
Does ATLO or PMTS pay a bigger dividend?: ATLO pays a dividend (2.88% yield), while PMTS is a former payer with no current dividend run rate.
Is ATLO or PMTS more profitable?: ATLO runs the higher net margin — ATLO at 22.64% versus PMTS at 2.34%.
How have ATLO and PMTS total returns compared?: Over the past 10 years, ATLO delivered 5.91% and PMTS delivered -1.73% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ATLO analysis Full PMTS analysis Interactive comparison tool

Dig into the metrics

Ames National P/E ratio CPI Card P/E ratio Ames National dividend yield Ames National ROE CPI Card ROE Ames National operating margin CPI Card operating margin Ames National revenue growth CPI Card revenue growth CPI Card free cash flow

Ames National & CPI Card appear in these rankings

Highest Dividend Yield Stocks Highest FCF Yield 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.