Citigroup (NYSE:C) and Ames National (NYSE:ATLO) Financial Contrast

Citigroup (NYSE:C) and Ames National (NASDAQ:ATLO) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, dividends, institutional ownership, earnings, analyst recommendations, profitability and valuation.

Profitability

This table compares Citigroup and Ames National’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Citigroup 18.24% 10.12% 0.94%
Ames National 28.92% 10.02% 1.20%

Institutional and Insider Ownership

76.0% of Citigroup shares are owned by institutional investors. Comparatively, 23.7% of Ames National shares are owned by institutional investors. 0.1% of Citigroup shares are owned by insiders. Comparatively, 4.8% of Ames National shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings for Citigroup and Ames National, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citigroup 0 3 17 0 2.85
Ames National 0 0 0 0 N/A

Citigroup currently has a consensus price target of $78.89, indicating a potential upside of 10.62%. Given Citigroup’s higher probable upside, research analysts plainly believe Citigroup is more favorable than Ames National.

Risk and Volatility

Citigroup has a beta of 1.74, suggesting that its share price is 74% more volatile than the S&P 500. Comparatively, Ames National has a beta of 0.59, suggesting that its share price is 41% less volatile than the S&P 500.

Dividends

Citigroup pays an annual dividend of $1.80 per share and has a dividend yield of 2.5%. Ames National pays an annual dividend of $0.96 per share and has a dividend yield of 3.6%. Citigroup pays out 27.1% of its earnings in the form of a dividend. Citigroup has increased its dividend for 4 consecutive years and Ames National has increased its dividend for 3 consecutive years.

Earnings and Valuation

This table compares Citigroup and Ames National’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Citigroup $97.12 billion 1.70 $18.05 billion $6.65 10.72
Ames National $57.63 million 4.32 $17.01 million N/A N/A

Citigroup has higher revenue and earnings than Ames National.

Summary

Citigroup beats Ames National on 8 of the 15 factors compared between the two stocks.

About Citigroup

Citigroup Inc., a diversified financial services holding company, provides various financial products and services for consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates through two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, commercial banking, Citi-branded cards, and Citi retail services. It also provides various banking, credit card lending, and investment services through a network of local branches, offices, and electronic delivery systems. The ICG segment provides wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed income research, corporate and consumer loans, investment banking and advisory services, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients. As of December 31, 2018, it operated 2,410 branches in the United States, Mexico, and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.

About Ames National

Ames National Corporation operates as a multi-bank holding company that provides banking services primarily in the central, north-central, and south-central Iowa counties of Boone, Clarke, Hancock, Marshall, Polk, and Story. The company offers a range of deposits, including checking, savings, and accounts; and time deposits of various types, including money market accounts and certificates of deposit. It also provides loans, such as short-term and medium-term commercial and agricultural real estate loans, residential real estate loans, equipment loans, vehicle loans, personal loans and lines of credit, and home improvement loans, as well as agricultural and business operating loans and lines of credit; and originates mortgage loans for sale into the secondary market. In addition, the company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit of payroll and social security check, and automated/video teller machine access services; and automatic drafts for various accounts, as well as trust services comprising wealth management services. Further, it provides farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and online management, mobile banking, and private banking services. The company was founded in 1903 and is based in Ames, Iowa.

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