22.32 USD
+0.62 (+2.86%)
22.32 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to ALRS. ALRS was compared to 98 industry peers in the Financial Services industry. ALRS may be in some trouble as it scores bad on both profitability and health. An interesting combination arises when we look at growth and value: ALRS is growing strongly while it also seems undervalued. ALRS also has an excellent dividend rating.
1. Profitability
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.
Of the past 5 years ALRS 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.94%, ALRS perfoms like the industry average, outperforming 44.90% of the companies in the same industry.
The Return On Equity of ALRS (9.09%) is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 17.36%, ALRS is in the better half of the industry, outperforming 66.33% of the companies in the same industry.
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 Rank | Sector 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
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.
The number of shares outstanding for ALRS has been increased compared to 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 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 77.55% 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.
Looking at the Debt to Equity ratio, with a value of 0.11, ALRS is in the better half of the industry, outperforming 75.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.68%
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.
The earnings per share for ALRS have been decreasing by -13.21% on average. This is quite bad
ALRS shows a strong growth in Revenue. In the last year, the Revenue has grown by 67.46%.
ALRS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.29% yearly.
EPS 1Y (TTM)50.72%
EPS 3Y-30.05%
EPS 5Y-13.21%
EPS Q2Q%150%
Revenue 1Y (TTM)67.46%
Revenue growth 3Y-1.81%
Revenue growth 5Y3.29%
Sales Q2Q%44.49%
3.2 Future
The Earnings Per Share is expected to grow by 36.77% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 13.27% on average over the next years. This is quite good.
EPS Next Y152.75%
EPS Next 2Y56.21%
EPS Next 3Y36.77%
EPS Next 5YN/A
Revenue Next Year35.09%
Revenue Next 2Y18.1%
Revenue Next 3Y13.27%
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
With a Price/Earnings ratio of 10.73, the valuation of ALRS can be described as very reasonable.
ALRS's Price/Earnings ratio is a bit cheaper when compared to the industry. ALRS is cheaper than 62.24% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.77. ALRS is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.97, the valuation of ALRS can be described as reasonable.
63.27% of the companies in the same industry are more expensive than ALRS, based on the Price/Forward Earnings ratio.
ALRS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.73 | ||
| Fwd PE | 8.97 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ALRS is valued a bit cheaper than 72.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.81 | ||
| 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 36.77% in the coming years.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y56.21%
EPS Next 3Y36.77%
5. Dividend
5.1 Amount
ALRS has a Yearly Dividend Yield of 3.80%.
Compared to an average industry Dividend Yield of 2.36, ALRS pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, ALRS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.8% |
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
5.3 Sustainability
39.39% of the earnings are spent on dividend by ALRS. This is a low number and sustainable payout ratio.
The dividend of ALRS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.39%
EPS Next 2Y56.21%
EPS Next 3Y36.77%
22.32
+0.62 (+2.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners59.52%
Inst Owner Change3.99%
Ins Owners4.22%
Ins Owner Change0.2%
Market Cap566.93M
Revenue(TTM)288.31M
Net Income(TTM)50.04M
Analysts76.36
Price Target24.89 (11.51%)
Short Float %2.38%
Short Ratio7.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.8% |
Yearly Dividend0.69
Dividend Growth(5Y)5.59%
DP39.39%
Div Incr Years12
Div Non Decr Years12
Ex-Date
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)0%
PT rev (3m)-5.06%
EPS NQ rev (1m)-0.35%
EPS NQ rev (3m)-2.82%
EPS NY rev (1m)2.85%
EPS NY rev (3m)2.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.04%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.73 | ||
| Fwd PE | 8.97 | ||
| P/S | 1.97 | ||
| P/FCF | 11.81 | ||
| P/OCF | 9.34 | ||
| P/B | 1.03 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.08
EY9.32%
EPS(NY)2.49
Fwd EY11.15%
FCF(TTM)1.89
FCFY8.47%
OCF(TTM)2.39
OCFY10.71%
SpS11.35
BVpS21.68
TBVpS16.64
PEG (NY)0.07
PEG (5Y)N/A
Graham Number31.85
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC14.68%
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)50.72%
EPS 3Y-30.05%
EPS 5Y-13.21%
EPS Q2Q%150%
EPS Next Y152.75%
EPS Next 2Y56.21%
EPS Next 3Y36.77%
EPS Next 5YN/A
Revenue 1Y (TTM)67.46%
Revenue growth 3Y-1.81%
Revenue growth 5Y3.29%
Sales Q2Q%44.49%
Revenue Next Year35.09%
Revenue Next 2Y18.1%
Revenue Next 3Y13.27%
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
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 10.73 and the Price/Book (PB) ratio is 1.03.
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 152.75% in the next year.