ALERUS FINANCIAL CORP (ALRS) Stock Fundamental Analysis
USA - NASDAQ:ALRS - US01446U1034 - Common Stock
21.11 USD
0 (0%)
ALRS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. ALRS has a bad profitability rating. Also its financial health evaluation is rather negative. ALRS has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! Finally ALRS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ALRS had positive earnings in the past year.
In the past year ALRS had a positive cash flow from operations.
Each year in the past 5 years ALRS has been profitable.
Of the past 5 years ALRS 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.72%, ALRS perfoms like the industry average, outperforming 41.41% of the companies in the same industry.
The Return On Equity of ALRS (7.21%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 7.21% | ||
| ROIC | N/A |
ROA(3y)0.57%
ROA(5y)0.94%
ROE(3y)5.99%
ROE(5y)9.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of ALRS (14.42%) is better than 61.62% of its industry peers.
In the last couple of years the Profit Margin of ALRS has declined.
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) | 14.42% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-28.44%
PM growth 5Y-11.93%
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.
The debt/assets ratio for ALRS has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of ALRS is 5.13, which is a neutral value as it means it would take ALRS, 5.13 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 5.13, ALRS is doing good in the industry, outperforming 66.67% of the companies in the same industry.
ALRS has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of ALRS (0.33) is better than 60.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 5.13 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 50.72% over the past year.
ALRS shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.84% yearly.
ALRS shows a strong growth in Revenue. In the last year, the Revenue has grown by 32.07%.
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-12.84%
EPS Q2Q%150%
Revenue 1Y (TTM)32.07%
Revenue growth 3Y-1.81%
Revenue growth 5Y3.29%
Sales Q2Q%44.49%
3.2 Future
ALRS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.37% yearly.
ALRS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.03% yearly.
EPS Next Y145.75%
EPS Next 2Y56.38%
EPS Next 3Y35.37%
EPS Next 5YN/A
Revenue Next Year34.67%
Revenue Next 2Y17.75%
Revenue Next 3Y12.03%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
A Price/Earnings ratio of 10.15 indicates a reasonable valuation of ALRS.
Based on the Price/Earnings ratio, ALRS is valued a bit cheaper than the industry average as 60.61% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of ALRS to the average of the S&P500 Index (25.07), we can say ALRS is valued rather cheaply.
A Price/Forward Earnings ratio of 8.46 indicates a reasonable valuation of ALRS.
Based on the Price/Forward Earnings ratio, ALRS is valued a bit cheaper than the industry average as 61.62% of the companies are valued more expensively.
ALRS is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 8.46 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ALRS is valued a bit cheaper than the industry average as 64.65% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.83 | ||
| 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 35.37% in the coming years.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y56.38%
EPS Next 3Y35.37%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.90%, ALRS has a reasonable but not impressive dividend return.
ALRS's Dividend Yield is a higher than the industry average which is at 4.68.
Compared to an average S&P500 Dividend Yield of 2.44, ALRS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
5.2 History
The dividend of ALRS has a limited annual growth rate of 5.02%.
ALRS has been paying a dividend for at least 10 years, so it has a reliable track record.
ALRS has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.02%
Div Incr Years12
Div Non Decr Years12
5.3 Sustainability
ALRS pays out 47.69% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of ALRS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP47.69%
EPS Next 2Y56.38%
EPS Next 3Y35.37%
NASDAQ:ALRS (11/20/2025, 8:00:00 PM)
21.11
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners56.81%
Inst Owner Change3.97%
Ins Owners4.22%
Ins Owner Change2.67%
Market Cap536.19M
Revenue(TTM)221.98M
Net Income(TTM)38.45M
Analysts76.36
Price Target26.21 (24.16%)
Short Float %2.35%
Short Ratio7.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
Yearly Dividend0.67
Dividend Growth(5Y)5.02%
DP47.69%
Div Incr Years12
Div Non Decr Years12
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)29.83%
Min EPS beat(2)20.12%
Max EPS beat(2)39.54%
EPS beat(4)2
Avg EPS beat(4)-10.65%
Min EPS beat(4)-59.92%
Max EPS beat(4)39.54%
EPS beat(8)4
Avg EPS beat(8)3.87%
EPS beat(12)6
Avg EPS beat(12)2.51%
EPS beat(16)9
Avg EPS beat(16)6.45%
Revenue beat(2)2
Avg Revenue beat(2)3.29%
Min Revenue beat(2)1.94%
Max Revenue beat(2)4.63%
Revenue beat(4)3
Avg Revenue beat(4)3.54%
Min Revenue beat(4)-5.71%
Max Revenue beat(4)13.28%
Revenue beat(8)6
Avg Revenue beat(8)2.1%
Revenue beat(12)6
Avg Revenue beat(12)-0.15%
Revenue beat(16)8
Avg Revenue beat(16)-0.57%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.34%
EPS NY rev (1m)0%
EPS NY rev (3m)12.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)1.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 8.46 | ||
| P/S | 2.01 | ||
| P/FCF | 15.83 | ||
| P/OCF | 11.44 | ||
| P/B | 1.01 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.08
EY9.85%
EPS(NY)2.49
Fwd EY11.82%
FCF(TTM)1.33
FCFY6.32%
OCF(TTM)1.85
OCFY8.74%
SpS10.5
BVpS20.99
TBVpS15.82
PEG (NY)0.07
PEG (5Y)N/A
Graham Number31.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 7.21% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.42% | ||
| GM | N/A | ||
| FCFM | 12.71% |
ROA(3y)0.57%
ROA(5y)0.94%
ROE(3y)5.99%
ROE(5y)9.14%
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-28.44%
PM growth 5Y-11.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 5.13 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 98.15% | ||
| Cap/Sales | 4.87% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 88.12% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14.9%
ROIC/WACCN/A
Cap/Depr(3y)60.1%
Cap/Depr(5y)48.32%
Cap/Sales(3y)2.72%
Cap/Sales(5y)2.1%
Profit Quality(3y)188.42%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50.72%
EPS 3Y-30.05%
EPS 5Y-12.84%
EPS Q2Q%150%
EPS Next Y145.75%
EPS Next 2Y56.38%
EPS Next 3Y35.37%
EPS Next 5YN/A
Revenue 1Y (TTM)32.07%
Revenue growth 3Y-1.81%
Revenue growth 5Y3.29%
Sales Q2Q%44.49%
Revenue Next Year34.67%
Revenue Next 2Y17.75%
Revenue Next 3Y12.03%
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-64.3%
FCF growth 3Y-51.4%
FCF growth 5Y0.84%
OCF growth 1Y-51.83%
OCF growth 3Y-42.15%
OCF growth 5Y8.6%
ALERUS FINANCIAL CORP / ALRS FAQ
What is the fundamental rating for ALRS stock?
ChartMill assigns a fundamental rating of 5 / 10 to ALRS.
What is the valuation status of ALERUS FINANCIAL CORP (ALRS) stock?
ChartMill assigns a valuation rating of 7 / 10 to ALERUS FINANCIAL CORP (ALRS). This can be considered as Undervalued.
What is the profitability of ALRS stock?
ALERUS FINANCIAL CORP (ALRS) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for ALRS stock?
The Price/Earnings (PE) ratio for ALERUS FINANCIAL CORP (ALRS) is 10.15 and the Price/Book (PB) ratio is 1.01.
Can you provide the expected EPS growth for ALRS stock?
The Earnings per Share (EPS) of ALERUS FINANCIAL CORP (ALRS) is expected to grow by 145.75% in the next year.