Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

ALRS

HoldHot Air

Alerus Financial Corporation · Financial Services · United States · $825M · Avg Vol: $5M/d

42
StockRank
Get insider-trade alerts
Q
32
V
31
M
72
P/E (TTM)
31.3x
ROE
5.0%
D/E
0.7x
Dividend %
2.5%
Dir. Trades · 180d
+$61.2K →
Buybacks · 180d
$13.8M →

COMPANY DESCRIPTION

Alerus Financial Corporation is a diversified financial services company providing banking, wealth management, retirement, and employee benefits solutions to businesses and individuals. The company differentiates itself through an integrated service model, fostering deep client relationships and capitalizing on cross-selling opportunities across its specialized offerings. This comprehensive approach, combined with a strong regional presence, underpins its competitive position in the financial services sector.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue208.7M166.2M223.8M220.7M1.9%241.9M233.8M240.1M4.3%
EPS2.120.591.000.69-31.2%1.080.750.700.7%
Shares20.0M19.7M25.3M25.4M+27.1%24.9M———
Debt442.8M378.9M317.0M404.3M-3.0%454.1M———
Equity356.9M369.1M495.4M564.9M16.5%————
Op CF103.0M26.8M21.7M67.5M-13.1%95.5M———
Inv CF-292.6M-49.9M-322.8M76.5M—————
Fin CF5.6M94.8M232.4M-138.1M—————
Loading 1Y...
PRICE (1Y)-0.5%
32.5932.9733.3533.7434.12Jul 29Aug 19Sep 9
SMA 50SMA 200

Close
$32.80
RSI (14)
51.7
52W High
$34.40
From 52W High
1.0%

SCORE BREAKDOWN

Quality
32
ROIC (ROA)
0.5%*23.8
ROE
5.0%26.0
GP/Assets
4.6%N/A
Op. Margin
36.5%53.4
FCF/Assets
1.5%N/A
Piotroski
321.0
Int. Cover
—50.0
D/E Ratio
0.72xN/A
Current Ratio
bankN/A
Value
31
P/E (TTM)
31.3x12.9
EV/EBITDA
bankN/A
P/FCF
10.4xN/A
P/B
1.4x38.8
P/S
3.5x52.7
Div Yield
2.5%34.6
Momentum
72
52W High %
95%75.5
RS 6M
27%90.6
SMA 50/200
1.22x94.9
EPS Rev 4W
0.0%27.7
EPS Rev 12W
+4.8%82.9
EPS Improve
+161%89.9
Q Growth
3%30.6

FUNDAMENTALS

Market Cap
$825M
P/E (Forward)
12.0x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ALRS are excluded.

TickerCompanyMkt CapStockRankSignal
ALRSAlerus Financial Corporation(you)$825M42Hold
CWBCCommunity West Bancshares$701M43Hold
EQBKEquity Bancshares, Inc.$1.0B40Hold
SBSISouthside Bancshares, Inc.$950M49Hold
SMBKSmartFinancial, Inc.$869M55Hold
PBFSPioneer Bancorp, Inc.$426M41Hold
MCBMetropolitan Bank Holding Corp.$1.1B50Hold
CASHPathward Financial, Inc.$1.7B43Hold
EGBNEagle Bancorp, Inc.$840M27Sell
NPBNorthpointe Bancshares, Inc.$589M51Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Alerus Financial Corporation (ALRS): Stock Score Summary

Alerus Financial Corporation (ALRS) has a MoatMap StockRank of 42/100 based on Quality (32/100), Value (31/100), and Momentum (72/100) factor scores. The current signal is HOLD.

Alerus Financial Corporation is a diversified financial services company providing banking, wealth management, retirement, and employee benefits solutions to businesses and individuals. The company differentiates itself through an integrated service model, fostering deep client relationships and capitalizing on cross-selling opportunities across its specialized offerings. This comprehensive approach, combined with a strong regional presence, underpins its competitive position in the financial services sector.

Key Financial Metrics

Price$32.80
Market Cap$825M
P/E (TTM)31.29
P/E (Forward)11.98
Price/Book1.45
Return on Equity5.0%
Debt/Equity0.72x
Operating Margin36.5%
Revenue Growth7.2%
Dividend Yield2.5%
Free Cash Flow$79M

Alerus Financial Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Alerus Financial Corporation’s (ALRS) StockRank?
MoatMap’s StockRank for Alerus Financial Corporation (ALRS) is 42/100, with a Hold signal. It is a composite of Quality (32), Value (31), and Momentum (72) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Alerus Financial Corporation have an economic moat?
Alerus Financial Corporation (ALRS) has a Quality factor score of 32/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Alerus Financial Corporation a buy, hold, or sell?
MoatMap’s current signal for Alerus Financial Corporation (ALRS) is Hold, based on a StockRank of 42/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Alerus Financial Corporation in?
Alerus Financial Corporation (ALRS) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
Browse all ranked stocksALRS deep dive reportAI ChampionsHow we score stocksSense-check another stock