Ames National (ATLO) vs Franklin Financial Services (FRAF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Ames National (ATLO) has outperformed Franklin Financial Services (FRAF) over the past year, gaining 59.1% versus a gain of 38.9%. Over five years, FRAF leads with a +97.1% price change compared with +36.0% for ATLO. Franklin Financial Services is the larger company by market cap ($282.8 million vs $282.2 million), about 1.0 times the size.
On valuation, Franklin Financial Services trades at a lower forward P/E (9.5x vs 11.3x for Ames National). Ames National offers the higher dividend yield (2.76% vs 2.12%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ATLO | FRAF |
|---|---|---|
| Share price | $31.87 | $62.85 |
| Market cap | $282.24M | $282.80M |
| 1-day change | -0.36% | -0.74% |
| YTD return | +39.29% | +26.14% |
| 1-year return | +59.10% | +38.92% |
| 5-year return | +36.03% | +97.07% |
| P/E ratio (TTM) | 12.35 | 11.47 |
| Forward P/E | 11.30 | 9.54 |
| EPS (TTM) | $2.58 | $5.48 |
| Dividend yield | 2.76% | 2.12% |
| Annual dividend | $0.88 | $1.33 |
| 52-week high | $32.86 | $65.41 |
| 52-week low | $19.56 | $43.47 |
| Distance from 52-week high | -3.03% | -3.91% |
| Analyst consensus | none | none |
| Avg. price target upside | +3.56% | +8.19% |
| Average volume | 32.25K | 37.03K |
| Shares outstanding | 8.86M | 4.50M |
| Employees | 261 | — |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- ATLO has outperformed FRAF by 20.2 percentage points over the past year.
About Ames National
ATLO stock →Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union Counties in central, north-central, and south-central Iowa. It accepts various deposit products, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit.
Finance · Major Banks · 261 employees
About Franklin Financial Services
FRAF stock →Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits.
Finance · Major Banks
ATLO vs FRAF FAQ
Which is bigger, Ames National or Franklin Financial Services?
Franklin Financial Services (FRAF) is larger, with a market capitalization of $282.80M compared with $282.24M for Ames National (ATLO).
Which stock has performed better over the past year, ATLO or FRAF?
ATLO returned +59.10% over the past 12 months, compared with +38.92% for FRAF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ATLO or FRAF?
FRAF has the lower trailing P/E at 11.5, versus 12.4 for ATLO. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Ames National or Franklin Financial Services?
Ames National has the higher yield at 2.76%, compared with 2.12% for Franklin Financial Services.
Are Ames National and Franklin Financial Services in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.