Alerus Financial ALRS
- Market cap
- $802.9M
- P/E
- 29.8×
Follow ALRS
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 16.20 | 16.67 | 19.21 | 18.70 | 15.05 | 24.06 | 20.20 | 13.11 | 18.09 | 15.78 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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| 20.00 | 20.75 | 26.50 | 24.00 | 28.94 | 38.31 | 30.49 | 23.78 | 25.85 | 24.33 |
High Price
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| — | — | 792 | 789 | 851 | 836 | 837 | 754 | 892 | 864 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
|||
| 168 | 179 | 190 | 207 | 245 | 240 | 227 | 245 | 337 | 332 |
Revenue
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|||
| 0.00% | 95.54% | 93.45% | 90.96% | 95.01% | 97.68% | 93.01% | 68.57% | 65.96% | 67.68% |
Gross Margin
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| 21 | 33 | 33 | 39 | 59 | 69 | 52 | 16 | 23 | 23 |
EBT
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| 12.59% | 18.20% | 17.35% | 18.75% | 23.84% | 28.78% | 23.01% | 6.47% | 6.88% | 6.81% |
EBT Margin
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| 14 | 15 | 26 | 30 | 45 | 53 | 40 | 12 | 18 | 17 |
Net Income
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| — | 12 | 10 | 10 | 11 | 13 | 12 | 11 | 16 | 18 |
Depreciation
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| 12.45 | 13.09 | 13.84 | 14.08 | 14.35 | 13.97 | 12.17 | 12.30 | 15.99 | 13.06 |
Revenue/Sh
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| 1.00 | 1.10 | 1.88 | 1.96 | 2.57 | 3.02 | 2.12 | 0.59 | 1.00 | 0.69 |
Earnings/Sh
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| 1.51 | 3.51 | 3.89 | 1.31 | (1.30) | 8.72 | 5.52 | 1.35 | 1.03 | 2.66 |
Cash Flow/Sh
|
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| 0.00 | (0.04) | (0.27) | (0.14) | (0.22) | (0.10) | (0.10) | (0.15) | (0.59) | (0.34) |
Capex/Sh
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| 1.51 | 3.47 | 3.62 | 1.17 | (1.52) | 8.62 | 5.43 | 1.19 | 0.45 | 2.32 |
Free CF/Sh
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| 12.52 | 0.00 | 11.80 | 19.39 | 19.30 | 20.91 | 19.15 | 18.53 | 23.54 | 22.26 |
Book Value/Sh
|
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| 13 | 14 | 14 | 15 | 17 | 17 | 19 | 20 | 21 | 25 |
Shares
|
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| 17.45 | 10.00 | 4.92 | 11.54 | 10.69 | 9.70 | 10.57 | 38.09 | 18.86 | 33.61 |
PE Ratio
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| 0.00 | 0.00 | 0.00 | 1.62 | 1.91 | 2.10 | 1.85 | 1.80 | 1.20 | 1.72 |
PS Ratio
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| 0.00 | 0.00 | 1.63 | 1.18 | 1.42 | 1.40 | 1.18 | 1.19 | 0.82 | 1.01 |
PB Ratio
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| 0.00 | 0.00 | 0.00 | 1.21 | 1.44 | 1.33 | 1.85 | 1.51 | 1.19 | 1.69 |
EV/Sales
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| 0.00 | 0.00 | 0.00 | 14.60 | (13.58) | 2.16 | 4.15 | 15.55 | 42.61 | 9.55 |
EV/FCF
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| 20 | 48 | 54 | 19 | (22) | 150 | 103 | 27 | 22 | 68 |
Op' Cash Flow
|
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| (2) | (1) | (4) | (2) | (4) | (2) | (2) | (3) | (12) | (9) |
Capex
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| 20 | 47 | 50 | 17 | (26) | 148 | 101 | 24 | 9 | 59 |
FCF
|
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| — | — | (123) | (108) | (367) | (946) | (865) | (593) | (654) | (471) |
Working Cap'
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| 60 | 59 | 59 | 59 | 59 | 59 | 59 | 59 | 59 | 59 |
Total Debt
|
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| 60 | 59 | 17 | (85) | (114) | (183) | 1 | (71) | (5) | (10) |
Net Debt
|
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| 169 | 0 | 162 | 286 | 330 | 359 | 357 | 369 | 495 | 565 |
Sh' Equity
|
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| 0.67% | 1.46% | 2.37% | 1.27% | 1.63% | 1.62% | 1.10% | 0.30% | 0.39% | 0.33% |
ROA
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| 0.00% | 34.44% | 11.53% | 12.13% | 16.94% | 24.53% | 9.12% | 3.32% | 2.95% | 2.54% |
ROIC
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| 8.03% | 8.60% | 15.11% | 12.89% | 14.26% | 15.05% | 11.05% | 3.22% | 4.10% | 3.29% |
ROE
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Alerus Financial peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| SPFI South Plains Financial, Inc. | $807.3M | 11.3× | Compare |
| SMBC Southern Missouri Bancorp, Inc. | $795.3M | 11.2× | Compare |
| PGC Peapack-Gladstone Financial Corporation | $794.6M | 15.4× | Compare |
| IBCP Independent Bank Corp. | $790.7M | 10.3× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FISI Financial Institutions, Inc. | $788.6M | 9.8× | Compare |
| ORRF Orrstown Financial Services Inc | $823.2M | 9.3× | Compare |
| SHBI Shore Bancshares Inc | $764.9M | 11.6× | Compare |
| CCBG Capital City Bank Group | $843.9M | 13.9× | Compare |
Alerus Financial (ALRS) key facts
- Alerus Financial (ALRS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Alerus Financial’s revenue for fiscal 2025 (year ended December 2025) was $331.5 million, down 1.48% from fiscal 2024.
- As of September 25, 2026, ALRS traded at $32.17, a market capitalization of $802.9 million.
- Alerus Financial pays an annual dividend of $0.76 per share, a yield of 3.48%, with a payout ratio of 39.5%.
- Return on equity was 3.29% and debt-to-equity 0.10.
Alerus Financial (ALRS) Latest News
25 Sep
ALRS declared a total quarterly dividend of $0.22 per share, ex-dividend 2026-09-25 and payable 2026-10-09. A bank holding company active in Banking, Retirement and Benefit Services, and Wealth Management, it has paid dividends quarterly since 2013 and has raised them each year, earning dividend-achiever status. Current trailing and forward yields are about 2.64% and 2.72%. Over 3–10 years, dividend growth has averaged roughly 5.8%–7.3%. However, recent results show revenue down about 7.4% annually over 3 years, EPS down about 31% annually, and EBITDA down about 28% over 5 years. The payout ratio is 0.79 as of 2026-06-30, suggesting limited cushion for cuts or reinvestment. Profitability ranks 6/10; growth ranks 6/10, but sustained negative trends raise dividend-sustainability concerns. Investors should monitor upcoming earnings and guidance to judge whether the dividend can be maintained or increased. Payout ratio and negative recent growth trends raise sustainability concerns, implying a moderate impact on outlook.
27 Aug
Alerus Financial Corporation declared a cash dividend on common shares and announced a new stock repurchase program. Dividend and repurchase program deliver direct shareholder returns with moderate positive effects on stock support and sentiment.
7 Aug
Alerus Financial (ALRS) Q2 2026 earnings call transcript details the company's financial performance and executive discussions. Earnings call reveals performance metrics likely to sway investor sentiment on Alerus Financial.
30 Jul
Alerus Financial Q2 earnings call highlighted financial results, operational metrics and strategic outlook. Q2 earnings updates typically deliver moderately noticeable influence on near-term market sentiment and performance expectations.
29 Jul
Alerus Financial reported Q2 earnings and revenues that surpassed analyst estimates. Q2 earnings beat signals positive financial performance with potential to lift near-term investor sentiment and stock movement.
Alerus Financial Corporation reported second quarter 2026 net income of $20.9 million. Quarterly net income update informs near-term financial performance and sentiment without signaling major operational shifts.
11 Jul
Alerus Financial (ALRS) stock fair value lifted as analysts evaluate diversified growth prospects. Analyst fair value upgrade signals moderate positive shift in ALRS valuation outlook and sentiment.
12 May
Alerus Financial (ALRS) upgraded to Strong Buy by analysts citing robust financial performance, growth in wealth management, and attractive valuation metrics. Analyst upgrade to Strong Buy reflects improved outlook on financials and growth, likely enhancing market sentiment moderately.
4 May
Alerus Financial's (ALRS) valuation story is shifting amid evolving market dynamics. Shifting valuation narrative signals significant potential to alter investor sentiment and stock trajectory.
30 Apr
Alerus Financial (ALRS) Q1 2026 earnings call transcript covers first-quarter financial results, performance highlights, and management's forward-looking commentary. Quarterly earnings transcripts disclose key financial metrics, guidance, and strategic insights that significantly sway investor sentiment and ALRS market performance.
Alerus Financial Corporation's Q1 2026 earnings call summary details quarterly financial results, strategic updates, and forward guidance for the regional banking firm. Quarterly earnings disclosures provide critical financial metrics and outlook that significantly sway investor sentiment and stock performance.
Alerus Financial released Q1 earnings call highlights detailing financial results, strategic updates, and forward guidance. Q1 earnings highlights influence financial performance and market sentiment moderately.
29 Apr
Alerus Financial (ALRS) Q1 earnings report analyzes key metrics against analyst estimates. Q1 earnings metrics versus estimates directly impact financial performance and investor sentiment for ALRS.
Alerus Financial Corporation reported first quarter 2026 net income of $23.0 million. Quarterly net income report of $23.0 million directly impacts financial performance metrics and investor sentiment.
Alerus Financial (ALRS) reported Q1 earnings and revenues that exceeded analyst estimates. Q1 earnings and revenue beats positively affect financial performance and market sentiment without fundamentally altering long-term trajectory.
27 Apr
Several Alerus Financial insiders recently purchased company shares, signaling positive internal developments and confidence in future performance. Insider buying reflects management's optimism, likely enhancing investor sentiment and moderately influencing stock performance.
5 Feb
Alerus Financial (ALRS) is highlighted among three stocks trading at significant discounts, with estimates suggesting a potential undervaluation of up to 49.2%. This analysis indicates that ALRS, along with other selected stocks, may present attractive investment opportunities based on their current market prices relative to intrinsic value. Investors are encouraged to consider these stocks for potential gains as market conditions evolve. The identification of Alerus Financial as undervalued suggests a moderately noticeable influence on its market performance and investor sentiment.
Alerus Financial (ALRS) is experiencing a year of underperformance compared to other finance stocks. Analysts are examining the reasons behind this lag, including market conditions and company-specific factors. The financial sector has faced challenges, but Alerus's performance has been particularly notable for its divergence from peers. Investors are advised to consider these dynamics when evaluating Alerus's future prospects. Alerus Financial's underperformance relative to peers indicates a moderately noticeable influence on its market position and investor sentiment.
3 Feb
Alerus Financial (ALRS) is positioned for potential growth due to its strong financial performance, strategic initiatives, and favorable market conditions. The company has shown resilience in its operations and is focusing on expanding its services, which could enhance its competitive edge. Analysts suggest that these factors may lead to increased investor interest and a surge in stock performance. Strategic initiatives and strong financial performance are likely to significantly impact Alerus's future trajectory and investor sentiment.
Alerus Financial (ALRS) has reached a new high in its stock price, prompting discussions about its future growth potential. Analysts are evaluating whether the current momentum can be sustained and if there is still room for further gains. Factors influencing this assessment include market conditions, company performance, and investor sentiment. Current stock performance indicates moderate influence on future financial performance and market positioning.
29 Jan
Alerus Financial Corp (ALRS) reported its Q4 2025 earnings, highlighting a strategic deleveraging initiative aimed at improving financial stability and operational efficiency. The company emphasized its commitment to reducing debt levels while maintaining a focus on core banking services. Management discussed the positive impacts of these strategies on future growth and profitability, alongside a review of key financial metrics that demonstrated resilience despite market challenges. Strategic deleveraging initiatives are expected to significantly enhance financial stability and operational efficiency, impacting future performance.
Alerus Financial Corporation released Q4 2025 earnings call summary, covering quarterly financial results, full-year performance, strategic initiatives, and forward guidance. Q4 earnings call summaries detail annual results and future outlook, significantly influencing stock trajectory and investor sentiment.
Alerus Financial reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The company demonstrated growth in net income and assets, driven by increased loan demand and effective cost management. Management discussed plans for future expansion and investment in technology to enhance customer experience. The earnings call also addressed challenges in the current economic environment, including interest rate fluctuations and regulatory considerations. The earnings report indicates moderate growth and strategic initiatives that may influence financial performance but are balanced by external economic challenges.
Alerus Financial (ALRS) has been identified as one of the best value stocks to consider for investment as of January 29th. The company is noted for its strong financial fundamentals and attractive valuation metrics, making it a compelling option for investors seeking value opportunities in the current market environment. Alerus Financial's strong financial fundamentals may moderately influence its market performance and investor sentiment.
28 Jan
Alerus Financial (ALRS) reported its Q4 earnings, surpassing analysts' expectations. The company's strong performance was driven by increased net interest income and improved asset quality. Alerus also highlighted growth in its loan portfolio and a solid capital position, which contributed to positive investor sentiment. Overall, the results indicate a robust financial standing and potential for continued growth in the upcoming quarters. Surpassing earnings estimates and demonstrating growth in key financial metrics suggests significant positive momentum for the company's future performance.
Alerus Financial reported its Q4 earnings, showcasing a notable performance with increased revenues and improved net income compared to the previous year. The financial institution highlighted growth in its loan portfolio and a strong demand for its banking services. Management expressed optimism about future growth prospects, citing strategic initiatives aimed at enhancing customer experience and operational efficiency. Overall, the results reflect a positive trajectory for Alerus amidst a competitive financial landscape. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.
Alerus Financial Corporation reported its fourth quarter 2025 results, highlighting a strategic repositioning of its balance sheet. The company aims to enhance its financial stability and growth potential through this initiative, which includes adjustments to asset allocations and liabilities. Management expressed optimism about the future, citing improved operational efficiency and a focus on core banking services. The balance sheet repositioning is a significant strategic move that could enhance financial stability and growth prospects.
Alerus Financial (ALRS) reported its Q4 earnings, revealing key metrics that were compared to analysts' estimates. The results showed variations in revenue and earnings per share, indicating performance trends that may influence investor sentiment and market positioning. The analysis highlights the company's financial health and operational efficiency, providing insights into its future outlook. The earnings report reflects moderately noticeable influences on financial performance and market sentiment.
27 Jan
Alerus Financial (ALRS) is being evaluated by value investors for its stock potential. Analysts are considering the company's financial health, market position, and growth prospects. Key metrics such as earnings, dividends, and valuation ratios are analyzed to determine if ALRS represents a good investment opportunity. The current market conditions and competitive landscape are also taken into account, influencing investor sentiment towards the stock. Moderate influence is expected due to the company's financial metrics and market positioning.
16 Jan
Alerus Financial (ALRS) is highlighted as a strong momentum stock, driven by its solid financial performance and strategic initiatives. The company has shown consistent growth in earnings and revenue, positioning itself favorably in the market. Analysts suggest that Alerus's focus on enhancing customer experience and expanding its service offerings could lead to sustained momentum. Investors are encouraged to consider buying shares as the company is expected to maintain its upward trajectory in the near future. Alerus's strategic initiatives and strong financial performance are likely to significantly impact its future trajectory and investor sentiment.