Alerus Financial Corporation (ALRS)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 228 | 230 | 209 | 166 | 224 | 221 | 235 | - |
| Operating profit | $m | 23 | 34 | ||||||
| Net profit | $m | 45 | 53 | 40 | 12 | 18 | 17 | 28 | 76 |
| EPS reported | $ | 0.68 | 1.08 | ||||||
| Operating cashflow per share | $ | 2.66 | 3.76 | ||||||
| Capex per share | $ | 0.34 | 0.16 | ||||||
| FCF per share | $ | 2.32 | 3.92 | ||||||
| Free cash flow | $m | 59 | 100 | ||||||
| Net debt | $m | 335 | 295 | ||||||
| Book value equity | $m | 565 | 583 | ||||||
| Book value per share | $ | 21.98 | 22.96 | ||||||
| Number of shares | m | 25.7 | 25.4 | ||||||
| DPS (TTM paid) | $ | 0.83 | 0.86 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 33.12 | 29.69 | ||||||
| P/B LTM | x | 1.01 | 0.98 | ||||||
| P/S LTM | x | 2.59 | 2.43 | ||||||
| P/FCF LTM | x | 9.72 | 5.73 | ||||||
| EV/EBITDA LTM | x | 23.69 | 18.91 | ||||||
| EV/Sales LTM | x | 2.88 | 3.57 | ||||||
| Earnings Yield LTM | % | +3.02% | +3.37% | ||||||
| FCF Yield | % | +10.29% | +17.44% | ||||||
| Quality | |||||||||
| ROE | % | +3.09% | +4.88% | ||||||
| ROIC | % | +5.14% | +6.92% | ||||||
| Operating margin | % | +6.89% | +10.36% | ||||||
| Gross margin | % | +67.15% | +72.05% | ||||||
| FCF/Sales | % | +17.94% | +29.96% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -18.07% | +30.12% | ||||||
| Sales Growth YoY | % | -1.36% | +5.04% | ||||||
| Net Income Growth YoY | % | -1.92% | +55.84% | ||||||
| FCF Growth | % | +254.62% | +500.81% | ||||||
| Operating Profit Growth | % | -2.45% | +48.91% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.64% | +2.52% | ||||||
| Dividend Growth | % | +5.06% | +8.86% | ||||||
| Payout Ratio | % | +119.17% | +76.67% | ||||||
| FCF/Debt | x | 0.13 | 0.22 | ||||||
| Net Debt/EBITDA | x | 9.36 | 6.76 | ||||||
| EBIT/Net interest | x | 0.21 | 0.35 | ||||||
| Net debt/market cap | % | +70.73% | +47.61% | ||||||
| Net debt/Equity | x | 0.59 | 0.51 | ||||||
| Gross debt/equity | x | 0.78 | 0.77 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Alerus Financial Corporation, operating primarily through its subsidiary Alerus Financial, National Association, delivers a broad spectrum of financial services to both commercial clients and individual consumers. The company organizes its operations across four distinct segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. Within its Banking segment, Alerus provides a comprehensive array of deposit solutions, including checking, savings, money market, and certificate of deposit accounts. It also supports businesses with robust treasury management products like electronic receivables management, remote deposit capture, cash vault services, and other cash management tools. Lending solutions encompass various commercial loans, such as business term loans, lines of credit, commercial real estate financing, and construction and land development loans, alongside consumer offerings like residential first and second mortgages and installment loans. The Retirement and Benefit Services division focuses on administering retirement plans, providing investment advisory services, managing employee stock ownership plans (ESOPs), and offering payroll, health savings accounts (HSAs), and other employee benefits, including individual retirement accounts (IRAs). Through Wealth Management, clients can access financial planning, investment management, personal and corporate trust services, estate administration, and custodial solutions. Additional offerings extend to debit and credit cards, modern online and mobile banking platforms, secure payment solutions, and exclusive private banking privileges, as well as flex spending accounts and government health insurance program services. Geographically, the company's banking services are delivered through fourteen offices located in North Dakota, Minnesota, and Arizona. Its Retirement and Benefit Services, however, boast a national footprint, serving clients in all 50 states from offices situated in Michigan, Minnesota, and Colorado. Founded in 1879, Alerus Financial Corporation was originally known as First National Bank North Dakota before adopting its current name in 2000. The company maintains its headquarters in Grand Forks, North Dakota.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Alerus Financial Corporation (ALRS)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Alerus Financial Corporation, operating primarily through its subsidiary Alerus Financial, National Association, delivers a broad spectrum of financial services to both commercial clients and individual consumers. The company organizes its operations across four distinct segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. Within its Banking segment, Alerus provides a comprehensive array of deposit solutions, including checking, savings, money market, and certificate of deposit accounts. It also supports businesses with robust treasury management products like electronic receivables management, remote deposit capture, cash vault services, and other cash management tools. Lending solutions encompass various commercial loans, such as business term loans, lines of credit, commercial real estate financing, and construction and land development loans, alongside consumer offerings like residential first and second mortgages and installment loans. The Retirement and Benefit Services division focuses on administering retirement plans, providing investment advisory services, managing employee stock ownership plans (ESOPs), and offering payroll, health savings accounts (HSAs), and other employee benefits, including individual retirement accounts (IRAs). Through Wealth Management, clients can access financial planning, investment management, personal and corporate trust services, estate administration, and custodial solutions. Additional offerings extend to debit and credit cards, modern online and mobile banking platforms, secure payment solutions, and exclusive private banking privileges, as well as flex spending accounts and government health insurance program services. Geographically, the company's banking services are delivered through fourteen offices located in North Dakota, Minnesota, and Arizona. Its Retirement and Benefit Services, however, boast a national footprint, serving clients in all 50 states from offices situated in Michigan, Minnesota, and Colorado. Founded in 1879, Alerus Financial Corporation was originally known as First National Bank North Dakota before adopting its current name in 2000. The company maintains its headquarters in Grand Forks, North Dakota.
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