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 100 industry peers in the Financial Services industry. ALRS has a bad profitability rating. Also its financial health evaluation is rather negative. ALRS is not valued too expensively and it also shows a decent growth rate. 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.
In the past 5 years ALRS has always been profitable.
Of the past 5 years ALRS 4 years had a positive operating cash flow.
1.2 Ratios
ALRS has a Return On Assets of 0.46%. This is in the lower half of the industry: ALRS underperforms 66.00% of its industry peers.
ALRS has a worse Return On Equity (4.78%) than 66.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 4.78% | ||
| 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 of 10.10%. This is comparable to the rest of the industry: ALRS outperforms 52.00% of its industry peers.
ALRS's Profit Margin has declined in the last couple of years.
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) | 10.1% | ||
| 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.
Compared to 1 year ago, ALRS has more shares outstanding
The number of shares outstanding for ALRS has been increased compared to 5 years ago.
ALRS has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of ALRS is 5.30, which is a neutral value as it means it would take ALRS, 5.30 years of fcf income to pay off all of its debts.
ALRS has a Debt to FCF ratio of 5.30. This is in the better half of the industry: ALRS outperforms 67.00% 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.
With a decent Debt to Equity ratio value of 0.11, ALRS is doing good in the industry, outperforming 73.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 5.3 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.77%
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 -28.65% 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.
ALRS shows a strong growth in Revenue. In the last year, the Revenue has grown by 45.90%.
ALRS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.29% yearly.
EPS 1Y (TTM)-28.65%
EPS 3Y-30.05%
EPS 5Y-13.21%
EPS Q2Q%62.5%
Revenue 1Y (TTM)45.9%
Revenue growth 3Y-1.81%
Revenue growth 5Y3.29%
Sales Q2Q%44.69%
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 53.50% 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 16.99% on average per year.
EPS Next Y116.5%
EPS Next 2Y53.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.19%
Revenue Next 2Y16.99%
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
With a Price/Earnings ratio of 17.20, ALRS is valued on the expensive side.
The rest of the industry has a similar Price/Earnings ratio as ALRS.
ALRS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.17.
With a Price/Forward Earnings ratio of 8.73, the valuation of ALRS can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as ALRS.
ALRS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 8.73 |
4.2 Price Multiples
ALRS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.79 | ||
| 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.
A more expensive valuation may be justified as ALRS's earnings are expected to grow with 53.50% in the coming years.
PEG (NY)0.15
PEG (5Y)N/A
EPS Next 2Y53.5%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.77%, ALRS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.90, ALRS pays a bit more dividend than its industry peers.
ALRS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
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
68.22% of the earnings are spent on dividend by ALRS. This is not a sustainable payout ratio.
ALRS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP68.22%
EPS Next 2Y53.5%
EPS Next 3YN/A
NASDAQ:ALRS (5/29/2025, 2:18:09 PM)
20.99
+0.02 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners53.2%
Inst Owner Change3.03%
Ins Owners4.19%
Ins Owner Change0.87%
Market Cap532.52M
Analysts76.36
Price Target22.75 (8.38%)
Short Float %0.85%
Short Ratio2.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
Yearly Dividend0.69
Dividend Growth(5Y)5.59%
DP68.22%
Div Incr Years11
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-19.9%
Min EPS beat(2)-59.92%
Max EPS beat(2)20.12%
EPS beat(4)1
Avg EPS beat(4)-24.64%
Min EPS beat(4)-59.92%
Max EPS beat(4)20.12%
EPS beat(8)4
Avg EPS beat(8)1.06%
EPS beat(12)5
Avg EPS beat(12)-1.46%
EPS beat(16)9
Avg EPS beat(16)4.91%
Revenue beat(2)2
Avg Revenue beat(2)7.61%
Min Revenue beat(2)1.94%
Max Revenue beat(2)13.28%
Revenue beat(4)3
Avg Revenue beat(4)3.05%
Min Revenue beat(4)-5.71%
Max Revenue beat(4)13.28%
Revenue beat(8)5
Avg Revenue beat(8)1.13%
Revenue beat(12)5
Avg Revenue beat(12)-1.19%
Revenue beat(16)8
Avg Revenue beat(16)-0.71%
PT rev (1m)-1.33%
PT rev (3m)-5.11%
EPS NQ rev (1m)10.26%
EPS NQ rev (3m)8.17%
EPS NY rev (1m)7.95%
EPS NY rev (3m)5.42%
Revenue NQ rev (1m)2.56%
Revenue NQ rev (3m)2.56%
Revenue NY rev (1m)2.96%
Revenue NY rev (3m)2.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 8.73 | ||
| P/S | 2.19 | ||
| P/FCF | 47.79 | ||
| P/OCF | 21.57 | ||
| P/B | 1.04 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.22
EY5.81%
EPS(NY)2.4
Fwd EY11.45%
FCF(TTM)0.44
FCFY2.09%
OCF(TTM)0.97
OCFY4.64%
SpS9.59
BVpS20.27
TBVpS14.98
PEG (NY)0.15
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 4.78% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.1% | ||
| GM | N/A | ||
| FCFM | 4.58% |
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-Score9
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 5.3 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 116.94% | ||
| Cap/Sales | 5.57% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 45.36% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC15.77%
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)-28.65%
EPS 3Y-30.05%
EPS 5Y-13.21%
EPS Q2Q%62.5%
EPS Next Y116.5%
EPS Next 2Y53.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)45.9%
Revenue growth 3Y-1.81%
Revenue growth 5Y3.29%
Sales Q2Q%44.69%
Revenue Next Year32.19%
Revenue Next 2Y16.99%
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-82.99%
FCF growth 3Y-51.79%
FCF growth 5Y0.35%
OCF growth 1Y-63.75%
OCF growth 3Y-42.18%
OCF growth 5Y8.57%