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Company Analysis

Alerus Financial Corporation ALRS

A comprehensive view of key metrics, scores, and financial health for Alerus Financial Corporation

Overview of Alerus Financial Corporation

ALRS NCM
Financial Services Banks - Regional Small Cap
Alerus Financial Corporation (ALRS), is a Small Cap company, in the Banks - Regional industry, last closed at $23.56, about 5.9% overvalued vs fair value, +27.9% 1Y return, ranked 488/1004 in sector.
$23.56
0.60%
As of March 13, 2026
Previous close • Vol 90d: 27.4%
52-Week Range
Market Cap
$598.45M
Enterprise Value
$971.81M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.alerus.com
HQ Grand Forks, ND
Fiscal year Dec 31

Next Events

Dividend Apr 10 Ex-div: Mar 27
Earnings May 5 Estimated

Fair Value Snapshot

Bear Base Bull
$12
$22
$42
Current: $23.56 -6% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$221.6M
34.4%%
Interest Expense
$107.1M
Net Interest Income
$107.0M
21.9%%
Total Revenue
$331.5M
53.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
3.6%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$15.7M
88.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Alerus Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
22
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
14
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing ALRS's balance between Growth (54.3%), Profitability (20.7%), and Safety (25.0%). Growth 54% Safety 25% Profitability 21%

Click axes to expand details. Marker shows current allocation.

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Growth

36th percentile vs peers
36
Key Signals
Rev Growth YoY 53.6% 46p Revenue CAGR 3Y 16.7% 42p Asset Growth YoY -0.6% 16p
Strengths

No notable strengths identified for this axis.

Risks
  • Asset Growth Yoy in bottom 20% of peers (-0.6%)

Profitability

13th percentile vs peers
14
Key Signals
Strengths
Risks
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Safety

16th percentile vs peers
17
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Alerus Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$22.17
- - -
-5.9% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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