ALERUS FINANCIAL CORP (ALRS) Stock Fundamental Analysis

NASDAQ:ALRS • US01446U1034

25.25 USD
+0.09 (+0.36%)
At close: Feb 13, 2026
25.25 USD
0 (0%)
After Hours: 2/13/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ALRS. ALRS was compared to 97 industry peers in the Financial Services industry. ALRS has a bad profitability rating. Also its financial health evaluation is rather negative. ALRS is valued correctly, but it does not seem to be growing. ALRS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year ALRS was profitable.
  • In the past year ALRS had a positive cash flow from operations.
  • ALRS had positive earnings in 4 of the past 5 years.
  • ALRS had a positive operating cash flow in 4 of the past 5 years.
ALRS Yearly Net Income VS EBIT VS OCF VS FCFALRS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

  • ALRS's Return On Assets of 0.94% is in line compared to the rest of the industry. ALRS outperforms 43.75% of its industry peers.
  • ALRS has a Return On Equity of 9.09%. This is comparable to the rest of the industry: ALRS outperforms 52.08% of its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 9.09%
ROIC N/A
ROA(3y)0.56%
ROA(5y)0.93%
ROE(3y)5.95%
ROE(5y)9.12%
ROIC(3y)N/A
ROIC(5y)N/A
ALRS Yearly ROA, ROE, ROICALRS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • ALRS's Profit Margin of 17.36% is fine compared to the rest of the industry. ALRS outperforms 65.63% of its industry peers.
  • In the last couple of years the Profit Margin of ALRS has declined.
  • ALRS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.36%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-28.79%
PM growth 5Y-12.19%
GM growth 3YN/A
GM growth 5YN/A
ALRS Yearly Profit, Operating, Gross MarginsALRS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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3

2. Health

2.1 Basic Checks

  • ALRS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ALRS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ALRS Yearly Shares OutstandingALRS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
ALRS Yearly Total Debt VS Total AssetsALRS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of ALRS is 1.23, which is an excellent value as it means it would take ALRS, only 1.23 years of fcf income to pay off all of its debts.
  • ALRS has a better Debt to FCF ratio (1.23) than 77.08% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that ALRS is not too dependend on debt financing.
  • ALRS has a better Debt to Equity ratio (0.11) than 73.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.23
Altman-Z N/A
ROIC/WACCN/A
WACC15.13%
ALRS Yearly LT Debt VS Equity VS FCFALRS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ALRS Yearly Current Assets VS Current LiabilitesALRS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 226.47% over the past year.
  • The Earnings Per Share has been growing slightly by 5.82% on average over the past years.
EPS 1Y (TTM)226.47%
EPS 3Y16.8%
EPS 5Y5.82%
EPS Q2Q%961.54%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-89.47%

3.2 Future

  • The Earnings Per Share is expected to decrease by -8.14% on average over the next years.
  • The Revenue is expected to grow by 5.31% on average over the next years.
EPS Next Y-20.46%
EPS Next 2Y-8.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.92%
Revenue Next 2Y5.31%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
ALRS Yearly Revenue VS EstimatesALRS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
ALRS Yearly EPS VS EstimatesALRS Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.58 indicates a rather cheap valuation of ALRS.
  • Compared to the rest of the industry, the Price/Earnings ratio of ALRS indicates a rather cheap valuation: ALRS is cheaper than 80.21% of the companies listed in the same industry.
  • ALRS is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.53, which indicates a very decent valuation of ALRS.
  • ALRS's Price/Forward Earnings is on the same level as the industry average.
  • ALRS is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.58
Fwd PE 9.53
ALRS Price Earnings VS Forward Price EarningsALRS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • ALRS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ALRS is cheaper than 65.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.36
EV/EBITDA N/A
ALRS Per share dataALRS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • ALRS's earnings are expected to decrease with -8.14% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.3
EPS Next 2Y-8.14%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • ALRS has a Yearly Dividend Yield of 3.34%.
  • ALRS's Dividend Yield is a higher than the industry average which is at 2.41.
  • Compared to an average S&P500 Dividend Yield of 1.84, ALRS pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.34%

5.2 History

  • The dividend of ALRS has a limited annual growth rate of 5.59%.
  • ALRS has paid a dividend for at least 10 years, which is a reliable track record.
  • ALRS has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.59%
Div Incr Years12
Div Non Decr Years12
ALRS Yearly Dividends per shareALRS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 39.39% of the earnings are spent on dividend by ALRS. This is a low number and sustainable payout ratio.
DP39.39%
EPS Next 2Y-8.14%
EPS Next 3YN/A
ALRS Yearly Income VS Free CF VS DividendALRS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M
ALRS Dividend Payout.ALRS Dividend Payout, showing the Payout Ratio.ALRS Dividend Payout.PayoutRetained Earnings

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ALERUS FINANCIAL CORP

NASDAQ:ALRS (2/13/2026, 8:00:00 PM)

After market: 25.25 0 (0%)

25.25

+0.09 (+0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners59.53%
Inst Owner Change-92.74%
Ins Owners4.22%
Ins Owner Change-0.14%
Market Cap641.60M
Revenue(TTM)N/A
Net Income(TTM)50.04M
Analysts76.36
Price Target27.13 (7.45%)
Short Float %2.97%
Short Ratio5.96
Dividend
Industry RankSector Rank
Dividend Yield 3.34%
Yearly Dividend0.69
Dividend Growth(5Y)5.59%
DP39.39%
Div Incr Years12
Div Non Decr Years12
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)23.7%
Min EPS beat(2)7.86%
Max EPS beat(2)39.54%
EPS beat(4)3
Avg EPS beat(4)1.9%
Min EPS beat(4)-59.92%
Max EPS beat(4)39.54%
EPS beat(8)4
Avg EPS beat(8)1.84%
EPS beat(12)7
Avg EPS beat(12)4.37%
EPS beat(16)9
Avg EPS beat(16)4.11%
Revenue beat(2)1
Avg Revenue beat(2)2.12%
Min Revenue beat(2)-0.39%
Max Revenue beat(2)4.63%
Revenue beat(4)3
Avg Revenue beat(4)4.87%
Min Revenue beat(4)-0.39%
Max Revenue beat(4)13.28%
Revenue beat(8)5
Avg Revenue beat(8)2.02%
Revenue beat(12)6
Avg Revenue beat(12)0.29%
Revenue beat(16)7
Avg Revenue beat(16)-0.95%
PT rev (1m)9.02%
PT rev (3m)3.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-69.8%
EPS NY rev (1m)-19.68%
EPS NY rev (3m)-17.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.45%
Valuation
Industry RankSector Rank
PE 7.58
Fwd PE 9.53
P/S 2.23
P/FCF 13.36
P/OCF 10.57
P/B 1.17
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)3.33
EY13.19%
EPS(NY)2.65
Fwd EY10.49%
FCF(TTM)1.89
FCFY7.48%
OCF(TTM)2.39
OCFY9.46%
SpS11.35
BVpS21.67
TBVpS16.63
PEG (NY)N/A
PEG (5Y)1.3
Graham Number40.3
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 9.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.36%
GM N/A
FCFM 16.66%
ROA(3y)0.56%
ROA(5y)0.93%
ROE(3y)5.95%
ROE(5y)9.12%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-28.79%
PM growth 5Y-12.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.23
Debt/EBITDA N/A
Cap/Depr 84.97%
Cap/Sales 4.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.96%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.13%
ROIC/WACCN/A
Cap/Depr(3y)61.36%
Cap/Depr(5y)49.08%
Cap/Sales(3y)2.77%
Cap/Sales(5y)2.13%
Profit Quality(3y)189.88%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)226.47%
EPS 3Y16.8%
EPS 5Y5.82%
EPS Q2Q%961.54%
EPS Next Y-20.46%
EPS Next 2Y-8.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-89.47%
Revenue Next Year5.92%
Revenue Next 2Y5.31%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-37.23%
FCF growth 3Y-51.79%
FCF growth 5Y0.35%
OCF growth 1Y-23.06%
OCF growth 3Y-42.18%
OCF growth 5Y8.57%

ALERUS FINANCIAL CORP / ALRS FAQ

Can you provide the ChartMill fundamental rating for ALERUS FINANCIAL CORP?

ChartMill assigns a fundamental rating of 3 / 10 to ALRS.


What is the valuation status for ALRS stock?

ChartMill assigns a valuation rating of 5 / 10 to ALERUS FINANCIAL CORP (ALRS). This can be considered as Fairly Valued.


What is the profitability of ALRS stock?

ALERUS FINANCIAL CORP (ALRS) has a profitability rating of 3 / 10.


What is the earnings growth outlook for ALERUS FINANCIAL CORP?

The Earnings per Share (EPS) of ALERUS FINANCIAL CORP (ALRS) is expected to decline by -20.46% in the next year.


Is the dividend of ALERUS FINANCIAL CORP sustainable?

The dividend rating of ALERUS FINANCIAL CORP (ALRS) is 7 / 10 and the dividend payout ratio is 39.39%.