ALERUS FINANCIAL CORP (ALRS) Stock Fundamental Analysis

NASDAQ:ALRS • US01446U1034

25.25 USD
+0.09 (+0.36%)
At close: Feb 13, 2026
25.25 USD
0 (0%)
After Hours: 2/13/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall ALRS gets a fundamental rating of 3 out of 10. We evaluated ALRS against 96 industry peers in the Financial Services industry. ALRS has a bad profitability rating. Also its financial health evaluation is rather negative. ALRS has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally ALRS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year ALRS was profitable.
  • ALRS had a positive operating cash flow in the past year.
  • Of the past 5 years ALRS 4 years were profitable.
  • Of the past 5 years ALRS 4 years had a positive operating cash flow.
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 0 50M 100M

1.2 Ratios

  • The Return On Assets of ALRS (0.94%) is comparable to the rest of the industry.
  • ALRS has a Return On Equity of 9.09%. This is comparable to the rest of the industry: ALRS outperforms 52.08% of its industry peers.
Industry RankSector 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
ALRS Yearly ROA, ROE, ROICALRS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • The Profit Margin of ALRS (17.36%) is better than 66.67% of its industry peers.
  • 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 RankSector 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
ALRS Yearly Profit, Operating, Gross MarginsALRS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • ALRS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ALRS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ALRS Yearly Shares OutstandingALRS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B 5B

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.
  • Looking at the Debt to FCF ratio, with a value of 1.23, ALRS is in the better half of the industry, outperforming 77.08% of the companies in the same industry.
  • ALRS has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • ALRS's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. ALRS outperforms 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.23
Altman-Z N/A
ROIC/WACCN/A
WACC15.19%
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 0 100M 200M 300M 400M

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 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

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.
  • The Earnings Per Share has been growing slightly by 5.82% on average over the past years.
EPS 1Y (TTM)226.47%
EPS 3Y16.8%
EPS 5Y5.82%
EPS Q2Q%961.54%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-89.47%

3.2 Future

  • ALRS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -8.14% yearly.
  • Based on estimates for the next years, ALRS will show a small growth in Revenue. The Revenue will grow by 5.31% on average per year.
EPS Next Y-20.46%
EPS Next 2Y-8.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.92%
Revenue Next 2Y5.31%
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.
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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.58, the valuation of ALRS can be described as very cheap.
  • Based on the Price/Earnings ratio, ALRS is valued a bit cheaper than the industry average as 79.17% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, ALRS is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.53, which indicates a very decent valuation of ALRS.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ALRS is on the same level as its industry peers.
  • ALRS is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.58
Fwd PE 9.53
ALRS Price Earnings VS Forward Price EarningsALRS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, ALRS is valued a bit cheaper than the industry average as 65.63% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 13.36
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

  • ALRS's earnings are expected to decrease with -8.14% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.3
EPS Next 2Y-8.14%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.30%, ALRS has a reasonable but not impressive dividend return.
  • ALRS's Dividend Yield is a higher than the industry average which is at 2.03.
  • Compared to an average S&P500 Dividend Yield of 1.79, ALRS pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.3%

5.2 History

  • The dividend of ALRS has a limited annual growth rate of 5.59%.
  • ALRS has paid a dividend for at least 10 years, which is 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
ALRS Yearly Dividends per shareALRS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • ALRS pays out 39.39% of its income as dividend. This is a sustainable payout ratio.
DP39.39%
EPS Next 2Y-8.14%
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 0 50M 100M
ALRS Dividend Payout.ALRS Dividend Payout, showing the Payout Ratio.ALRS Dividend Payout.PayoutRetained Earnings

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ALERUS FINANCIAL CORP

NASDAQ:ALRS (2/13/2026, 8:00:00 PM)

After market: 25.25 0 (0%)

25.25

+0.09 (+0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners59.53%
Inst Owner Change0.9%
Ins Owners4.22%
Ins Owner Change-0.14%
Market Cap641.35M
Revenue(TTM)N/A
Net Income(TTM)50.04M
Analysts76.36
Price Target27.13 (7.45%)
Short Float %2.97%
Short Ratio5.96
Dividend
Industry RankSector Rank
Dividend Yield 3.3%
Yearly Dividend0.69
Dividend Growth(5Y)5.59%
DP39.39%
Div Incr Years12
Div Non Decr Years12
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)23.7%
Min EPS beat(2)7.86%
Max EPS beat(2)39.54%
EPS beat(4)3
Avg EPS beat(4)1.9%
Min EPS beat(4)-59.92%
Max EPS beat(4)39.54%
EPS beat(8)4
Avg EPS beat(8)1.84%
EPS beat(12)7
Avg EPS beat(12)4.37%
EPS beat(16)9
Avg EPS beat(16)4.11%
Revenue beat(2)1
Avg Revenue beat(2)2.12%
Min Revenue beat(2)-0.39%
Max Revenue beat(2)4.63%
Revenue beat(4)3
Avg Revenue beat(4)4.87%
Min Revenue beat(4)-0.39%
Max Revenue beat(4)13.28%
Revenue beat(8)5
Avg Revenue beat(8)2.02%
Revenue beat(12)6
Avg Revenue beat(12)0.29%
Revenue beat(16)7
Avg Revenue beat(16)-0.95%
PT rev (1m)9.02%
PT rev (3m)3.5%
EPS NQ rev (1m)-69.38%
EPS NQ rev (3m)-69.8%
EPS NY rev (1m)-19.68%
EPS NY rev (3m)-17.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)0.45%
Valuation
Industry RankSector Rank
PE 7.58
Fwd PE 9.53
P/S 2.22
P/FCF 13.36
P/OCF 10.56
P/B 1.16
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)3.33
EY13.19%
EPS(NY)2.65
Fwd EY10.49%
FCF(TTM)1.89
FCFY7.49%
OCF(TTM)2.39
OCFY9.47%
SpS11.35
BVpS21.68
TBVpS16.64
PEG (NY)N/A
PEG (5Y)1.3
Graham Number40.3
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 9.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.36%
GM N/A
FCFM 16.66%
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
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-28.79%
PM growth 5Y-12.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.23
Debt/EBITDA N/A
Cap/Depr 84.97%
Cap/Sales 4.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.96%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.19%
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)226.47%
EPS 3Y16.8%
EPS 5Y5.82%
EPS Q2Q%961.54%
EPS Next Y-20.46%
EPS Next 2Y-8.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-89.47%
Revenue Next Year5.92%
Revenue Next 2Y5.31%
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-37.23%
FCF growth 3Y-51.79%
FCF growth 5Y0.35%
OCF growth 1Y-23.06%
OCF growth 3Y-42.18%
OCF growth 5Y8.57%

ALERUS FINANCIAL CORP / ALRS 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 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 decline by -20.46% in the next year.


Is the dividend of ALERUS FINANCIAL CORP sustainable?

The dividend rating of ALERUS FINANCIAL CORP (ALRS) is 7 / 10 and the dividend payout ratio is 39.39%.