ALERUS FINANCIAL CORP(NASDAQ:ALRS) stock Fundamental Analysis

Fundamental Rating

ALRS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. Both the profitability and financial health of ALRS have multiple concerns. ALRS has a valuation in line with the averages, but on the other hand it scores bad on growth. ALRS also has an excellent dividend rating.

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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.

Of the past 5 years ALRS 4 years were profitable.

In multiple years ALRS reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of ALRS (0.08%) is worse than 72.28% of its industry peers.

With a Return On Equity value of 0.82%, ALRS is not doing good in the industry: 72.28% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.08%
ROE	0.82%
ROIC	N/A

ROA(3y)0.96%

ROA(5y)1.11%

ROE(3y)9.57%

ROE(5y)10.42%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ALRS has a Profit Margin of 1.85%. This is in the lower half of the industry: ALRS underperforms 69.31% of its industry peers.

ALRS's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for ALRS so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	1.85%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-28.22%

PM growth 5Y-13.72%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

The Debt to FCF ratio of ALRS is 11.50, which is on the high side as it means it would take ALRS, 11.50 years of fcf income to pay off all of its debts.

ALRS's Debt to FCF ratio of 11.50 is in line compared to the rest of the industry. ALRS outperforms 49.51% of its industry peers.

ALRS has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of ALRS (0.27) is better than 63.37% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.27
Debt/FCF	11.5
Altman-Z	N/A

ROIC/WACCN/A

WACC14.92%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ALRS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.02%.

The earnings per share for ALRS have been decreasing by -30.05% on average. This is quite bad

EPS 1Y (TTM)-43.02%

EPS 3Y-30.05%

EPS 5YN/A

EPS Q2Q%-73.47%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%53.57%

3.2 Future

The Earnings Per Share is expected to grow by 52.38% on average over the next years. This is a very strong growth

Based on estimates for the next years, ALRS will show a quite strong growth in Revenue. The Revenue will grow by 16.19% on average per year.

EPS Next Y105.36%

EPS Next 2Y52.38%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year28.79%

Revenue Next 2Y16.19%

Revenue Next 3YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 20.23, the valuation of ALRS can be described as rather expensive.

ALRS's Price/Earnings ratio is in line with the industry average.

ALRS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 29.63.

With a Price/Forward Earnings ratio of 9.85, the valuation of ALRS can be described as very reasonable.

Based on the Price/Forward Earnings ratio, ALRS is valued a bit cheaper than 63.37% of the companies in the same industry.

ALRS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	20.23
Fwd PE	9.85

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as ALRS.

		Industry Rank	Sector Rank
P/FCF	57.96
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.

ALRS's earnings are expected to grow with 52.38% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.19

PEG (5Y)N/A

EPS Next 2Y52.38%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

ALRS has a Yearly Dividend Yield of 3.76%.

Compared to an average industry Dividend Yield of 3.86, ALRS pays a better dividend. On top of this ALRS pays more dividend than 85.15% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.27, ALRS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.76%

5.2 History

On average, the dividend of ALRS grows each year by 34.14%, which is quite nice.

ALRS has been paying a dividend for at least 10 years, so it has a reliable track record.

ALRS has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)34.14%

Div Incr Years11

Div Non Decr Years11

5.3 Sustainability

ALRS pays out 471.64% of its income as dividend. This is not a sustainable payout ratio.

The dividend of ALRS is growing, but earnings are growing more, so the dividend growth is sustainable.

DP471.64%

EPS Next 2Y52.38%

EPS Next 3YN/A

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ALERUS FINANCIAL CORP

NASDAQ:ALRS (2/21/2025, 8:00:55 PM)

After market: 20.63 0 (0%)

20.63

-0.65 (-3.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)01-28 2025-01-28/amc

Earnings (Next)04-22 2025-04-22/amc

Inst Owners53.2%

Inst Owner Change-94.53%

Ins Owners4.19%

Ins Owner Change1.37%

Market Cap522.76M

Analysts76.36

Price Target23.97 (16.19%)

Short Float %0.9%

Short Ratio2.37

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.76%

Yearly Dividend0.75

Dividend Growth(5Y)34.14%

DP471.64%

Div Incr Years11

Div Non Decr Years11

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-29.37%

Min EPS beat(2)-42.33%

Max EPS beat(2)-16.41%

EPS beat(4)1

Avg EPS beat(4)1.79%

Min EPS beat(4)-42.33%

Max EPS beat(4)67.97%

EPS beat(8)4

Avg EPS beat(8)5.61%

EPS beat(12)6

Avg EPS beat(12)4.85%

EPS beat(16)9

Avg EPS beat(16)8.98%

Revenue beat(2)1

Avg Revenue beat(2)-1.52%

Min Revenue beat(2)-5.71%

Max Revenue beat(2)2.66%

Revenue beat(4)2

Avg Revenue beat(4)-0.83%

Min Revenue beat(4)-5.71%

Max Revenue beat(4)2.66%

Revenue beat(8)3

Avg Revenue beat(8)-2%

Revenue beat(12)4

Avg Revenue beat(12)-2.89%

Revenue beat(16)8

Avg Revenue beat(16)-0.8%

PT rev (1m)0.43%

PT rev (3m)3.07%

EPS NQ rev (1m)11.97%

EPS NQ rev (3m)11.97%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-1.01%

Revenue NQ rev (3m)-1.01%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.32%

Valuation

		Industry Rank	Sector Rank
PE	20.23
Fwd PE	9.85
P/S	3.04
P/FCF	57.96
P/OCF	29.33
P/B	1.35
P/tB	1.61
EV/EBITDA	N/A

EPS(TTM)1.02

EY4.94%

EPS(NY)2.09

Fwd EY10.15%

FCF(TTM)0.36

FCFY1.73%

OCF(TTM)0.7

OCFY3.41%

SpS6.79

BVpS15.25

TBVpS12.81

PEG (NY)0.19

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.08%
ROE	0.82%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	1.85%
GM	N/A
FCFM	5.24%

ROA(3y)0.96%

ROA(5y)1.11%

ROE(3y)9.57%

ROE(5y)10.42%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-28.22%

PM growth 5Y-13.72%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.27
Debt/FCF	11.5
Debt/EBITDA	N/A
Cap/Depr	102.6%
Cap/Sales	5.11%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	283.53%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC14.92%

ROIC/WACCN/A

Cap/Depr(3y)25.83%

Cap/Depr(5y)30.53%

Cap/Sales(3y)1.16%

Cap/Sales(5y)1.33%

Profit Quality(3y)253.83%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-43.02%

EPS 3Y-30.05%

EPS 5YN/A

EPS Q2Q%-73.47%

EPS Next Y105.36%

EPS Next 2Y52.38%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%53.57%

Revenue Next Year28.79%

Revenue Next 2Y16.19%

Revenue Next 3YN/A

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-89.36%

FCF growth 3YN/A

FCF growth 5Y-12.32%

OCF growth 1Y-79.47%

OCF growth 3YN/A

OCF growth 5Y-11.57%

ALERUS FINANCIAL CORP (ALRS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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