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Ames National vs CF Bankshares: ATLO and CFBK compared
Ames National is the larger company: $20.4M of revenue in its latest quarter (Q3 2026) against $16.7M for CF Bankshares (Q3 2026). Ames National is growing faster (+23% against +8% a year earlier). Ames National is more profitable, with an operating margin of 44.7% against 44.2%.
Where the money goes: ATLO and CFBK
Ames National (ATLO) · Q3 2026
Ames National, Q3 2026: revenue $20.4M (+23% year over year), operating margin 44.7%, net earnings $7.0M, operating cash flow $5.1M. The chart follows the revenue to costs, profit and cash.
CF Bankshares (CFBK) · Q3 2026
CF Bankshares, Q3 2026: revenue $16.7M (+8% year over year), operating margin 44.2%, net earnings $6.0M, operating cash flow $8.4M. The chart follows the revenue to costs, profit and cash.
| Ames National (ATLO) | CF Bankshares (CFBK) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $20.4M | $16.7M |
| Revenue growth, Y/Y | +23% | +8% |
| Operating margin | 44.7% | 44.2% |
| Net earnings | $7.0M | $6.0M |
| Net margin | 34.5% | 36.1% |
| Operating cash flow | $5.1M | $8.4M |
| Free cash flow | $4.0M | $8.4M |
Where the revenue comes from
Ames National
- Net interest income: $17.0M (83%)
- Noninterest income: $3.5M (17%)
CF Bankshares
- Net interest income: $14.9M (89%)
- Noninterest income: $1.8M (11%)
Questions
Which is bigger, Ames National or CF Bankshares?
Ames National is the larger company: $20.4M of revenue in its latest quarter (Q3 2026) against $16.7M for CF Bankshares (Q3 2026).
Is Ames National or CF Bankshares growing faster?
Ames National is growing faster (+23% against +8% a year earlier).
Which is more profitable, Ames National or CF Bankshares?
Ames National is more profitable, with an operating margin of 44.7% against 44.2%.
More: Ames National earnings · how Ames National makes money · CF Bankshares earnings · how CF Bankshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.