ALERUS FINANCIAL CORP (ALRS) Stock Fundamental Analysis
NASDAQ:ALRS - Nasdaq - US01446U1034 - Common Stock - Currency: USD
Overall ALRS gets a fundamental rating of 4 out of 10. We evaluated ALRS against 101 industry peers in the Financial Services industry. ALRS has a bad profitability rating. Also its financial health evaluation is rather negative. ALRS has a decent growth rate and is not valued too expensively. 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.
Each year in the past 5 years ALRS has been profitable.
ALRS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of ALRS (0.34%) is worse than 71.29% of its industry peers.
ALRS's Return On Equity of 3.58% is on the low side compared to the rest of the industry. ALRS is outperformed by 71.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 3.58% | ||
| 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
ALRS has a Profit Margin (7.99%) which is in line with 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 7.99% | ||
| 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 5.91, which is a neutral value as it means it would take ALRS, 5.91 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 5.91, ALRS is doing good in the industry, outperforming 60.40% of the companies in the same industry.
A Debt/Equity ratio of 0.20 indicates that ALRS is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.20, ALRS is in the better half of the industry, outperforming 67.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 5.91 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for ALRS have decreased strongly by -26.32% in the last year.
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 32.07%.
The Revenue has been growing slightly by 3.29% on average over the past years.
EPS 1Y (TTM)-26.32%
EPS 3Y-30.05%
EPS 5Y-13.21%
EPS Q2Q%75%
Revenue 1Y (TTM)32.07%
Revenue growth 3Y-1.81%
Revenue growth 5Y3.29%
Sales Q2Q%45.13%
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 51.13% on average per year.
ALRS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.91% yearly.
EPS Next Y100.56%
EPS Next 2Y51.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.4%
Revenue Next 2Y15.91%
Revenue Next 3YN/A
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
Based on the Price/Earnings ratio of 16.18, the valuation of ALRS can be described as correct.
ALRS's Price/Earnings ratio is in line with the industry average.
ALRS is valuated rather cheaply when we compare the Price/Earnings ratio to 27.75, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.75, which indicates a very decent valuation of ALRS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ALRS indicates a somewhat cheap valuation: ALRS is cheaper than 62.38% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of ALRS to the average of the S&P500 Index (20.49), we can say ALRS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.18 | ||
| Fwd PE | 8.75 |
4.2 Price Multiples
ALRS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
ALRS's earnings are expected to grow with 51.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y51.13%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.98%, ALRS has a reasonable but not impressive dividend return.
ALRS's Dividend Yield is rather good when compared to the industry average which is at 4.93. ALRS pays more dividend than 81.19% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, ALRS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
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 Years11
Div Non Decr Years11
5.3 Sustainability
ALRS pays out 87.04% of its income as dividend. This is not a sustainable payout ratio.
The dividend of ALRS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP87.04%
EPS Next 2Y51.13%
EPS Next 3YN/A
NASDAQ:ALRS (5/2/2025, 11:05:07 AM)
20.39
+0.29 (+1.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners53.2%
Inst Owner Change0.03%
Ins Owners4.19%
Ins Owner Change0.48%
Market Cap517.29M
Analysts76.36
Price Target21.62 (6.03%)
Short Float %0.85%
Short Ratio2.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
Yearly Dividend0.69
Dividend Growth(5Y)5.59%
DP87.04%
Div Incr Years11
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-51.13%
Min EPS beat(2)-59.92%
Max EPS beat(2)-42.33%
EPS beat(4)0
Avg EPS beat(4)-30.19%
Min EPS beat(4)-59.92%
Max EPS beat(4)-2.08%
EPS beat(8)4
Avg EPS beat(8)-0.75%
EPS beat(12)5
Avg EPS beat(12)-2.84%
EPS beat(16)9
Avg EPS beat(16)5.82%
Revenue beat(2)1
Avg Revenue beat(2)3.79%
Min Revenue beat(2)-5.71%
Max Revenue beat(2)13.28%
Revenue beat(4)2
Avg Revenue beat(4)2.12%
Min Revenue beat(4)-5.71%
Max Revenue beat(4)13.28%
Revenue beat(8)4
Avg Revenue beat(8)0.62%
Revenue beat(12)4
Avg Revenue beat(12)-2.01%
Revenue beat(16)8
Avg Revenue beat(16)-0.31%
PT rev (1m)-9.79%
PT rev (3m)-9.4%
EPS NQ rev (1m)-0.47%
EPS NQ rev (3m)-4.37%
EPS NY rev (1m)-1.23%
EPS NY rev (3m)-5.84%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)2.62%
Revenue NY rev (1m)-0.31%
Revenue NY rev (3m)1.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.18 | ||
| Fwd PE | 8.75 | ||
| P/S | 2.33 | ||
| P/FCF | 31.18 | ||
| P/OCF | 17.86 | ||
| P/B | 1.04 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.26
EY6.18%
EPS(NY)2.33
Fwd EY11.43%
FCF(TTM)0.65
FCFY3.21%
OCF(TTM)1.14
OCFY5.6%
SpS8.75
BVpS19.53
TBVpS14.11
PEG (NY)0.16
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 3.58% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 7.99% | ||
| GM | N/A | ||
| FCFM | 7.47% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 5.91 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 125.69% | ||
| Cap/Sales | 5.57% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 93.5% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC19.3%
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)-26.32%
EPS 3Y-30.05%
EPS 5Y-13.21%
EPS Q2Q%75%
EPS Next Y100.56%
EPS Next 2Y51.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)32.07%
Revenue growth 3Y-1.81%
Revenue growth 5Y3.29%
Sales Q2Q%45.13%
Revenue Next Year28.4%
Revenue Next 2Y15.91%
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-35.72%
FCF growth 3Y-51.79%
FCF growth 5Y0.35%
OCF growth 1Y-0.08%
OCF growth 3Y-42.18%
OCF growth 5Y8.57%