Alerus Financial Corp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March. At this time, Alerus Financial's Property Plant And Equipment Net is comparatively stable compared to the past year. Net Debt is likely to gain to about 300.6 M in 2025, whereas Accounts Payable is likely to drop slightly above 70.4 M in 2025. Key indicators impacting Alerus Financial's financial strength include:
Investors should never underestimate Alerus Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Alerus Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in Alerus Financial Corp.
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21.9 Million
Alerus
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Understanding current and past Alerus Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Alerus Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Alerus Financial's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Alerus Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Alerus Financial Corp. Check Alerus Financial's Beneish M Score to see the likelihood of Alerus Financial's management manipulating its earnings.
Alerus Financial Stock Summary
Alerus Financial competes with Home Federal, LINKBANCORP, Affinity Bancshares, First Financial, and Northeast Community. Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers. Alerus Financial Corporation was founded in 1879 and is headquartered in Grand Forks, North Dakota. Alerus Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 779 people.
The reason investors look at the income statement is to determine what Alerus Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
Comparative valuation techniques use various fundamental indicators to help in determining Alerus Financial's current stock value. Our valuation model uses many indicators to compare Alerus Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Alerus Financial competition to find correlations between indicators driving Alerus Financial's intrinsic value. More Info.
Alerus Financial Corp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about 0.10 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Alerus Financial Corp is roughly 10.50 . At this time, Alerus Financial's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Alerus Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Alerus Financial Corp Systematic Risk
Alerus Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Alerus Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourty-five with a total number of output elements of sixteen. The Beta measures systematic risk based on how returns on Alerus Financial Corp correlated with the market. If Beta is less than 0 Alerus Financial generally moves in the opposite direction as compared to the market. If Alerus Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Alerus Financial Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Alerus Financial is generally in the same direction as the market. If Beta > 1 Alerus Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Alerus Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Alerus Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Alerus Financial growth as a starting point in their analysis.
Alerus Financial January 31, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Alerus Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Alerus Financial Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Alerus Financial Corp based on widely used predictive technical indicators. In general, we focus on analyzing Alerus Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Alerus Financial's daily price indicators and compare them against related drivers.
When running Alerus Financial's price analysis, check to measure Alerus Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Alerus Financial is operating at the current time. Most of Alerus Financial's value examination focuses on studying past and present price action to predict the probability of Alerus Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Alerus Financial's price. Additionally, you may evaluate how the addition of Alerus Financial to your portfolios can decrease your overall portfolio volatility.