ALERUS FINANCIAL CORP (ALRS) Fundamental Analysis & Valuation

NASDAQ:ALRS • US01446U1034

Current stock price

23.57 USD
-0.59 (-2.44%)
At close:
23.57 USD
0 (0%)
After Hours:

This ALRS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. ALRS Profitability Analysis

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 each of the past 5 years.
  • ALRS had a positive operating cash flow in each 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 2025 0 50M 100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.33%, ALRS is doing worse than 66.00% of the companies in the same industry.
  • ALRS has a Return On Equity of 3.09%. This is in the lower half of the industry: ALRS underperforms 63.00% of its industry peers.
Industry RankSector Rank
ROA 0.33%
ROE 3.09%
ROIC N/A
ROA(3y)0.32%
ROA(5y)0.71%
ROE(3y)3.28%
ROE(5y)7.08%
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 2025 5 10 15

1.3 Margins

  • ALRS has a Profit Margin of 7.78%. This is comparable to the rest of the industry: ALRS outperforms 52.00% 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) 7.78%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.43%
PM growth 5Y-16.19%
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 2025 5 10 15 20

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2

2. ALRS Health Analysis

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
  • ALRS has more shares outstanding than it did 5 years ago.
  • ALRS has a worse debt/assets ratio than last year.
ALRS Yearly Shares OutstandingALRS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • ALRS has a debt to FCF ratio of 2.01. This is a good value and a sign of high solvency as ALRS would need 2.01 years to pay back of all of its debts.
  • ALRS's Debt to FCF ratio of 2.01 is fine compared to the rest of the industry. ALRS outperforms 73.00% of its industry peers.
  • ALRS has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.21, ALRS is in the better half of the industry, outperforming 63.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.01
Altman-Z N/A
ROIC/WACCN/A
WACC14.95%
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 2025 0 100M 200M 300M 400M 500M

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 2025 50M 100M 150M 200M

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3

3. ALRS Growth Analysis

3.1 Past

  • ALRS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 226.47%, which is quite impressive.
  • ALRS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.82% yearly.
  • The Revenue has been growing slightly by 1.08% in the past year.
  • ALRS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.77% yearly.
EPS 1Y (TTM)226.47%
EPS 3Y16.8%
EPS 5Y5.82%
EPS Q2Q%961.54%
Revenue 1Y (TTM)1.08%
Revenue growth 3Y2.09%
Revenue growth 5Y-0.77%
Sales Q2Q%-89.47%

3.2 Future

  • The Earnings Per Share is expected to decrease by -8.04% on average over the next years.
  • The Revenue is expected to grow by 5.36% on average over the next years.
EPS Next Y-20.53%
EPS Next 2Y-8.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.01%
Revenue Next 2Y5.36%
Revenue Next 3YN/A
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 decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better 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. ALRS Valuation Analysis

4.1 Price/Earnings Ratio

  • ALRS is valuated cheaply with a Price/Earnings ratio of 7.08.
  • ALRS's Price/Earnings ratio is a bit cheaper when compared to the industry. ALRS is cheaper than 77.00% of the companies in the same industry.
  • ALRS is valuated cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 8.91, the valuation of ALRS can be described as reasonable.
  • ALRS's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, ALRS is valued rather cheaply.
Industry RankSector Rank
PE 7.08
Fwd PE 8.91
ALRS Price Earnings VS Forward Price EarningsALRS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, ALRS is valued a bit cheaper than 75.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.18
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

  • A cheap valuation may be justified as ALRS's earnings are expected to decrease with -8.04% in the coming years.
PEG (NY)N/A
PEG (5Y)1.22
EPS Next 2Y-8.04%
EPS Next 3YN/A

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

6

5. ALRS Dividend Analysis

5.1 Amount

  • ALRS has a Yearly Dividend Yield of 3.59%. 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 2.50.
  • ALRS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 3.59%

5.2 History

  • On average, the dividend of ALRS grows each year by 6.11%, which is quite nice.
  • 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)6.11%
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 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • ALRS pays out 119.25% of its income as dividend. This is not a sustainable payout ratio.
  • The Dividend Rate of ALRS has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP119.25%
EPS Next 2Y-8.04%
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 2025 0 50M 100M
ALRS Dividend Payout.ALRS Dividend Payout, showing the Payout Ratio.ALRS Dividend Payout.PayoutRetained Earnings

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ALRS Fundamentals: All Metrics, Ratios and Statistics

ALERUS FINANCIAL CORP

NASDAQ:ALRS (3/27/2026, 8:00:29 PM)

After market: 23.57 0 (0%)

23.57

-0.59 (-2.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners62.05%
Inst Owner Change5.03%
Ins Owners4.25%
Ins Owner Change2.45%
Market Cap598.68M
Revenue(TTM)224.38M
Net Income(TTM)17.46M
Analysts76.36
Price Target27.13 (15.1%)
Short Float %2.88%
Short Ratio4.85
Dividend
Industry RankSector Rank
Dividend Yield 3.59%
Yearly Dividend0.82
Dividend Growth(5Y)6.11%
DP119.25%
Div Incr Years12
Div Non Decr Years12
Ex-Date03-27
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)344.5%
Min EPS beat(2)7.86%
Max EPS beat(2)681.14%
EPS beat(4)4
Avg EPS beat(4)187.17%
Min EPS beat(4)7.86%
Max EPS beat(4)681.14%
EPS beat(8)4
Avg EPS beat(8)78.49%
EPS beat(12)8
Avg EPS beat(12)61.89%
EPS beat(16)9
Avg EPS beat(16)44.66%
Revenue beat(2)0
Avg Revenue beat(2)-44.98%
Min Revenue beat(2)-89.56%
Max Revenue beat(2)-0.39%
Revenue beat(4)2
Avg Revenue beat(4)-20.84%
Min Revenue beat(4)-89.56%
Max Revenue beat(4)4.63%
Revenue beat(8)4
Avg Revenue beat(8)-9.36%
Revenue beat(12)6
Avg Revenue beat(12)-6.54%
Revenue beat(16)6
Avg Revenue beat(16)-6.72%
PT rev (1m)0%
PT rev (3m)9.92%
EPS NQ rev (1m)-0.68%
EPS NQ rev (3m)7.84%
EPS NY rev (1m)-0.08%
EPS NY rev (3m)6.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.84%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)2.81%
Valuation
Industry RankSector Rank
PE 7.08
Fwd PE 8.91
P/S 2.67
P/FCF 10.18
P/OCF 8.87
P/B 1.06
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)3.33
EY14.13%
EPS(NY)2.65
Fwd EY11.23%
FCF(TTM)2.32
FCFY9.83%
OCF(TTM)2.66
OCFY11.28%
SpS8.83
BVpS22.24
TBVpS17.31
PEG (NY)N/A
PEG (5Y)1.22
Graham Number40.82
Profitability
Industry RankSector Rank
ROA 0.33%
ROE 3.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.78%
GM N/A
FCFM 26.22%
ROA(3y)0.32%
ROA(5y)0.71%
ROE(3y)3.28%
ROE(5y)7.08%
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-25.43%
PM growth 5Y-16.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.01
Debt/EBITDA N/A
Cap/Depr 56.78%
Cap/Sales 3.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 336.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.95%
ROIC/WACCN/A
Cap/Depr(3y)73.23%
Cap/Depr(5y)51.99%
Cap/Sales(3y)3.78%
Cap/Sales(5y)2.58%
Profit Quality(3y)216.96%
Profit Quality(5y)238.36%
High Growth Momentum
Growth
EPS 1Y (TTM)226.47%
EPS 3Y16.8%
EPS 5Y5.82%
EPS Q2Q%961.54%
EPS Next Y-20.53%
EPS Next 2Y-8.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.08%
Revenue growth 3Y2.09%
Revenue growth 5Y-0.77%
Sales Q2Q%-89.47%
Revenue Next Year6.01%
Revenue Next 2Y5.36%
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 1Y254.62%
FCF growth 3Y-16.54%
FCF growth 5YN/A
OCF growth 1Y133.18%
OCF growth 3Y-13.13%
OCF growth 5YN/A

ALERUS FINANCIAL CORP / ALRS Fundamental Analysis 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 2 / 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 -20.53% in the next year.


Is the dividend of ALERUS FINANCIAL CORP sustainable?

The dividend rating of ALERUS FINANCIAL CORP (ALRS) is 6 / 10 and the dividend payout ratio is 119.25%.