NASDAQ: ALRS
Alerus Financial Corp Stock

$21.42-0.06 (-0.28%)
Updated Feb 14, 2025
ALRS Price
$21.42
Fair Value Price
$7.23
Market Cap
$542.75M
52 Week Low
$17.99
52 Week High
$24.41
P/E
126x
P/B
1.4x
P/S
2.75x
PEG
0.13x
Dividend Yield
2.75%
Revenue
$164.50M
Earnings
$3.09M
Gross Margin
100%
Operating Margin
3.42%
Profit Margin
1.9%
Debt to Equity
9.57
Operating Cash Flow
$18M
Beta
0.73
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

ALRS Overview

Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers. The company operates in four segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. It offers various deposit products, including demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, checking accounts, and certificates of deposit; and treasury management products, including electronic receivables management, remote deposit capture, cash vault services, merchant services, and other cash management services. The company also provides commercial loans, business term loans, lines of credit, and commercial real estate loans, as well as construction and land development loans; consumer lending products, including residential first mortgage loans; installment loans and lines of credit; and second mortgage loans. In addition, it offers retirement plan administration and investment advisory services, employee stock ownership plan, fiduciary services, payroll, health savings accounts, and other benefit services, as well as individual retirement accounts; and financial planning, investment management, personal and corporate trust, estate administration, and custody services. Further, the company provides debit and credit cards, online banking, mobile banking/wallet, payment, private banking, payroll accounts, flex spending accounts, administration, and government health insurance program services. It offers banking services through fourteen offices in North Dakota, Minnesota, and Arizona; and retirement and benefit plans in 50 states through offices located in Michigan, Minnesota, and Colorado. The company was formerly known as First National Bank North Dakota and changed its name to Alerus Financial Corporation in 2000. Alerus Financial Corporation was founded in 1879 and is headquartered in Grand Forks, North Dakota.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine ALRS's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
ALRS
Ranked
#51 of 338

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ALRS News

Overview

Due Diligence Score

Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how ALRS scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

ALRS ($21.42) is overvalued by 196.46% relative to our estimate of its Fair Value price of $7.23 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
ALRS ($21.42) is not significantly undervalued (196.46%) relative to our estimate of its Fair Value price of $7.23 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
ALRS ($21.42) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more ALRS due diligence checks available for Premium users.

Valuation

ALRS fair value

Fair Value of ALRS stock based on Discounted Cash Flow (DCF)

Price
$21.42
Fair Value
$7.23
Overvalued by
196.46%
ALRS ($21.42) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ALRS ($21.42) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ALRS ($21.42) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

ALRS price to earnings (PE)

For valuing profitable companies with steady earnings

Company
126x
Industry
33.03x
Market
37.92x
ALRS is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ALRS is poor value based... subscribe to Premium to read more.
P/E vs Market Valuation

ALRS price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.4x
Industry
1.16x
ALRS is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

ALRS price to earnings growth (PEG)

For valuing profitable companies with growth potential

ALRS is good value based... subscribe to Premium to read more.
PEG Value Valuation

ALRS's financial health

Profit margin

Revenue
$49.2M
Net Income
$5.2M
Profit Margin
10.6%
ALRS's Earnings (EBIT) of $5.63M... subscribe to Premium to read more.
Interest Coverage Financials
ALRS's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$4.1B
Liabilities
$3.7B
Debt to equity
9.57
ALRS's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
ALRS's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$18.9M
Investing
-$101.7M
Financing
-$289.4M
ALRS's operating cash flow ($17.82M)... subscribe to Premium to read more.
Debt Coverage Financials

ALRS vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
ALRSC$542.75M-0.28%126.00x1.40x
FMNBC$538.26M+0.07%11.46x1.22x
SHBIC$547.89M-0.36%12.45x1.03x
CCNEC$548.57M-0.65%11.12x0.90x
EBTC$535.08M+0.07%14.84x1.45x

Alerus Financial Stock FAQ

What is Alerus Financial's quote symbol?

(NASDAQ: ALRS) Alerus Financial trades on the NASDAQ under the ticker symbol ALRS. Alerus Financial stock quotes can also be displayed as NASDAQ: ALRS.

If you're new to stock investing, here's how to buy Alerus Financial stock.

What is the 52 week high and low for Alerus Financial (NASDAQ: ALRS)?

(NASDAQ: ALRS) Alerus Financial's 52-week high was $24.41, and its 52-week low was $17.99. It is currently -12.23% from its 52-week high and 19.07% from its 52-week low.

How much is Alerus Financial stock worth today?

(NASDAQ: ALRS) Alerus Financial currently has 25,338,280 outstanding shares. With Alerus Financial stock trading at $21.42 per share, the total value of Alerus Financial stock (market capitalization) is $542.75M.

Alerus Financial stock was originally listed at a price of $22.35 in Sep 16, 2019. If you had invested in Alerus Financial stock at $22.35, your return over the last 5 years would have been -4.16%, for an annualized return of -0.85% (not including any dividends or dividend reinvestments).

How much is Alerus Financial's stock price per share?

(NASDAQ: ALRS) Alerus Financial stock price per share is $21.42 today (as of Feb 14, 2025).

What is Alerus Financial's Market Cap?

(NASDAQ: ALRS) Alerus Financial's market cap is $542.75M, as of Feb 18, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Alerus Financial's market cap is calculated by multiplying ALRS's current stock price of $21.42 by ALRS's total outstanding shares of 25,338,280.
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