23.66 USD
-1.14 (-4.6%)
23.66 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to ALRS. ALRS was compared to 97 industry peers in the Financial Services industry. ALRS may be in some trouble as it scores bad on both profitability and health. ALRS is growing strongly while it is still valued neutral. This is a good combination! Finally ALRS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year ALRS was profitable.
- ALRS had a positive operating cash flow in the past year.
- ALRS had positive earnings in each of the past 5 years.
- Of the past 5 years ALRS 4 years had a positive operating cash flow.
1.2 Ratios
- ALRS has a Return On Assets (0.94%) which is in line with its industry peers.
- Looking at the Return On Equity, with a value of 9.09%, ALRS is in line with its industry, outperforming 51.55% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- With a decent Profit Margin value of 17.36%, ALRS is doing good in the industry, outperforming 65.98% of the companies in the same industry.
- ALRS's Profit Margin has declined in the last couple of years.
- The Operating Margin and Gross Margin are not available for ALRS so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- ALRS does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for ALRS has been increased compared to 1 year ago.
- ALRS has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, ALRS has an improved debt to assets ratio.
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 77.32% of its industry peers.
- ALRS has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.11, ALRS is in the better half of the industry, outperforming 75.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- ALRS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.72%, which is quite impressive.
- ALRS shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.21% yearly.
- Looking at the last year, ALRS shows a very strong growth in Revenue. The Revenue has grown by 67.46%.
- Measured over the past years, ALRS shows a small growth in Revenue. The Revenue has been growing by 3.29% on average per year.
EPS 1Y (TTM)50.72%
EPS 3Y-30.05%
EPS 5Y-13.21%
EPS Q2Q%150%
Revenue 1Y (TTM)67.46%
Revenue growth 3Y-1.81%
Revenue growth 5Y3.29%
Sales Q2Q%44.49%
3.2 Future
- Based on estimates for the next years, ALRS will show a very strong growth in Earnings Per Share. The EPS will grow by 36.77% on average per year.
- Based on estimates for the next years, ALRS will show a quite strong growth in Revenue. The Revenue will grow by 13.63% on average per year.
EPS Next Y152.75%
EPS Next 2Y56.21%
EPS Next 3Y36.77%
EPS Next 5YN/A
Revenue Next Year35.28%
Revenue Next 2Y18.96%
Revenue Next 3Y13.63%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.38, which indicates a very decent valuation of ALRS.
- ALRS's Price/Earnings is on the same level as the industry average.
- ALRS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
- ALRS is valuated reasonably with a Price/Forward Earnings ratio of 9.51.
- ALRS's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of ALRS to the average of the S&P500 Index (24.26), we can say ALRS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.38 | ||
| Fwd PE | 9.51 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, ALRS is valued a bit cheaper than the industry average as 70.10% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- ALRS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as ALRS's earnings are expected to grow with 36.77% in the coming years.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y56.21%
EPS Next 3Y36.77%
5. Dividend
5.1 Amount
- ALRS has a Yearly Dividend Yield of 3.48%. Purely for dividend investing, there may be better candidates out there.
- ALRS's Dividend Yield is a higher than the industry average which is at 2.24.
- Compared to an average S&P500 Dividend Yield of 1.82, ALRS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.48% |
5.2 History
- The dividend of ALRS has a limited annual growth rate of 5.59%.
- ALRS has been paying a dividend for at least 10 years, so it has a reliable track record.
- ALRS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.59%
Div Incr Years12
Div Non Decr Years12
5.3 Sustainability
- 39.39% of the earnings are spent on dividend by ALRS. This is a low number and sustainable payout ratio.
- ALRS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.39%
EPS Next 2Y56.21%
EPS Next 3Y36.77%
ALERUS FINANCIAL CORP / ALRS FAQ
Can you provide the ChartMill fundamental rating for ALERUS FINANCIAL CORP?
ChartMill assigns a fundamental rating of 5 / 10 to ALRS.
What is the valuation status for ALRS stock?
ChartMill assigns a valuation rating of 6 / 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 grow by 152.75% in the next year.
Is the dividend of ALERUS FINANCIAL CORP sustainable?
The dividend rating of ALERUS FINANCIAL CORP (ALRS) is 8 / 10 and the dividend payout ratio is 39.39%.