23.48 USD
-0.09 (-0.38%)
23.48 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to ALRS. ALRS was compared to 97 industry peers in the Financial Services industry. ALRS may be in some trouble as it scores bad on both profitability and health. ALRS is not overvalued while it is showing excellent growth. This is an interesting combination. Finally ALRS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ALRS had positive earnings in the past year.
ALRS had a positive operating cash flow in the past year.
ALRS had positive earnings in each of the past 5 years.
ALRS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.94%, ALRS is in line with its industry, outperforming 43.30% of the companies in the same industry.
ALRS's Return On Equity of 9.09% is in line compared to the rest of the industry. ALRS outperforms 52.58% of its industry peers.
| 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
The Profit Margin of ALRS (17.36%) is better than 65.98% of its industry peers.
In the last couple of years the Profit Margin of ALRS has declined.
ALRS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
ALRS has more shares outstanding than it did 1 year ago.
ALRS has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, ALRS has an improved debt to assets ratio.
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.
ALRS has a Debt to FCF ratio of 1.23. This is in the better half of the industry: ALRS outperforms 76.29% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that ALRS is not too dependend on debt financing.
ALRS's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. ALRS outperforms 75.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ALRS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.72%, which is quite impressive.
Measured over the past years, ALRS shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.21% on average per year.
ALRS shows a strong growth in Revenue. In the last year, the Revenue has grown by 67.46%.
The Revenue has been growing slightly by 3.29% on average over the past years.
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
ALRS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.77% yearly.
ALRS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.27% yearly.
EPS Next Y150.75%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
ALRS is valuated reasonably with a Price/Earnings ratio of 11.29.
60.82% of the companies in the same industry are more expensive than ALRS, based on the Price/Earnings ratio.
ALRS is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.43, the valuation of ALRS can be described as reasonable.
ALRS's Price/Forward Earnings is on the same level as the industry average.
ALRS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.29 | ||
| Fwd PE | 9.43 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ALRS is valued a bit cheaper than the industry average as 71.13% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.42 | ||
| 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 3.56%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.32, ALRS pays a better dividend. On top of this ALRS pays more dividend than 82.47% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.96, ALRS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
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 their dividend for at least 10 years, which is a reliable track record.
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%
23.48
-0.09 (-0.38%)
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 Cap596.39M
Revenue(TTM)288.31M
Net Income(TTM)50.04M
Analysts76.36
Price Target24.68 (5.11%)
Short Float %2.35%
Short Ratio7.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
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)-5.84%
PT rev (3m)-5.84%
EPS NQ rev (1m)-1.05%
EPS NQ rev (3m)-2.47%
EPS NY rev (1m)2.03%
EPS NY rev (3m)2.24%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)-0.04%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.29 | ||
| Fwd PE | 9.43 | ||
| P/S | 2.07 | ||
| P/FCF | 12.42 | ||
| P/OCF | 9.82 | ||
| P/B | 1.08 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.08
EY8.86%
EPS(NY)2.49
Fwd EY10.6%
FCF(TTM)1.89
FCFY8.05%
OCF(TTM)2.39
OCFY10.18%
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
WACC14.53%
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 Y150.75%
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 6 / 10 to ALERUS FINANCIAL CORP (ALRS). This can be considered as Fairly Valued.
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 11.29 and the Price/Book (PB) ratio is 1.08.
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 150.75% in the next year.