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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 Framework: Banks & Lenders Small Cap
Alerus Financial Corporation (ALRS), is a Small Cap company, in the Banks - Regional industry, last closed at $30.30, about 24.9% overvalued vs fair value, +44.6% 1Y return, ranked 500/1037 in sector.
Metrics Rev Growth 53.6% ROE 3.3% Gross Margin 67.5%
USD 30.30
1.44%
(Delayed)
• Vol 90d: 23.7%
52-Week Range
Market Cap
$750.59M
Enterprise Value
$1.09B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Dividend Jul 10 Ex-div: Jun 26

Fair Value Snapshot

Bear Base Bull
$13
$23
$43
Current: $30.30 -25% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$279.6M
26.2%%
Interest Expense
$107.1M
Net Interest Income
$172.5M
61.1%%
Total Revenue
$220.7M
-1.4%%
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
3.1%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$21.6M
123.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
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
25
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
17
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing ALRS's balance between Growth (42.3%), Profitability (21.9%), and Safety (35.8%). Growth 42% Safety 36% Profitability 22%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

67th percentile vs peers
67
Key Signals
NII Growth YoY 21.9% 92p Equity Growth YoY 34.2% 95p EPS Growth YoY 43.6% 81p Asset Growth YoY -0.6% 17p
Strengths
  • NII Growth YoY in top 20% of peers (21.9%, 92th percentile)
  • Equity Growth YoY in top 20% of peers (34.2%, 95th percentile)
  • EPS Growth YoY in top 20% of peers (43.6%, 81th percentile)
  • Efficiency Ratio in top 20% of peers (60.7%, 83th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks
  • Asset Growth YoY in bottom 20% of peers (-0.6%)

Profitability

34th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
57
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:

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  • 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
$22.75
- - -
-24.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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