Alerus Financial Corp Stock Buy Hold or Sell Recommendation
| ALRS Stock | USD 22.11 0.22 1.01% |
Given the investment horizon of 90 days and your way above-average risk tolerance, our recommendation regarding Alerus Financial Corp is 'Strong Hold'. A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Alerus Financial Corp given historical horizon and risk tolerance towards Alerus Financial. When Macroaxis issues a 'buy' or 'sell' recommendation for Alerus Financial Corp, the advice is generated through an automated system that utilizes algorithms and statistical models.
Check out Alerus Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note, we conduct extensive research on individual companies such as Alerus and provide practical buy, sell, or hold advice based on investors' constraints. Alerus Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.
Alerus |
Execute Alerus Financial Buy or Sell Advice
The Alerus recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Alerus Financial Corp. Macroaxis does not own or have any residual interests in Alerus Financial Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Alerus Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Alerus Financial Trading Alerts and Improvement Suggestions
| On 11th of October 2024 Alerus Financial paid $ 0.2 per share dividend to its current shareholders | |
| Latest headline from insidermonkey.com: Alerus Financial Corporation Q3 2024 Earnings Call Transcript |
Alerus Financial Returns Distribution Density
The distribution of Alerus Financial's historical returns is an attempt to chart the uncertainty of Alerus Financial's future price movements. The chart of the probability distribution of Alerus Financial daily returns describes the distribution of returns around its average expected value. We use Alerus Financial Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Alerus Financial returns is essential to provide solid investment advice for Alerus Financial.
| Mean Return | 0.09 | Value At Risk | -3.35 | Potential Upside | 2.89 | Standard Deviation | 2.58 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Alerus Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Alerus Stock Institutional Investors
The Alerus Financial's institutional investors refer to entities that pool money to purchase Alerus Financial's securities or originate loans. These institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds.
| Shares | Cutler Capital Management | 2024-09-30 | 159 K | Charles Schwab Investment Management Inc | 2024-09-30 | 149.3 K | American Century Companies Inc | 2024-09-30 | 148.7 K | Bank Of New York Mellon Corp | 2024-06-30 | 123.5 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 117.4 K | Zacks Investment Management Inc | 2024-09-30 | 102.7 K | Bridgeway Capital Management, Llc | 2024-09-30 | 101.9 K | Mairs & Power Inc | 2024-09-30 | 97.7 K | Keeley-teton Advisors, Llc | 2024-06-30 | 89.8 K | Alerus Financial Na | 2024-09-30 | 2.1 M | Blackrock Inc | 2024-06-30 | 1.7 M |
Alerus Financial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Capital Expenditures | 2.9M | 3.8M | 1.7M | 1.8M | 3.2M | 2.1M | |
| Net Income | 29.5M | 44.7M | 52.7M | 40.0M | 11.7M | 21.9M | |
| Other Non Cash Items | 4.9M | (44.4M) | (41.2M) | (7.7M) | 25.1M | 26.4M | |
| Dividends Paid | 8.9M | 10.4M | 10.8M | 12.8M | 14.8M | 9.1M | |
| End Period Cash Flow | 144.0M | 173.0M | 242.3M | 58.2M | 129.9M | 149.0M | |
| Change In Cash | 103.4M | 29.0M | 69.3M | (184.1M) | 71.7M | 75.2M | |
| Free Cash Flow | 16.3M | (26.1M) | 147.4M | 101.2M | 25.8M | 48.4M | |
| Depreciation | 8.8M | 8.9M | 8.8M | 8.2M | 8.5M | 7.1M | |
| Investments | (75.5M) | (528.5M) | (415.9M) | (394.2M) | (220.8M) | (231.8M) | |
| Net Borrowings | (93.7M) | (210K) | 80K | 377.9M | 434.6M | 456.3M | |
| Change To Netincome | (24.8M) | (11.2M) | 133.5M | 52.6M | 60.4M | 63.5M | |
| Change Receivables | 12K | (2.1M) | 1.1M | (3.2M) | (2.9M) | (2.8M) |
Alerus Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Alerus Financial or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Alerus Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Alerus stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.11 | |
β | Beta against Dow Jones | 1.54 | |
σ | Overall volatility | 2.55 | |
Ir | Information ratio | -0.02 |
Alerus Financial Volatility Alert
Alerus Financial Corp shows above-average downside volatility for the selected time horizon. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Alerus Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Alerus Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Alerus Financial Fundamentals Vs Peers
Comparing Alerus Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Alerus Financial's direct or indirect competition across all of the common fundamentals between Alerus Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Alerus Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Alerus Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Alerus Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Alerus Financial to competition |
| Fundamentals | Alerus Financial | Peer Average |
| Return On Equity | 0.0084 | -0.31 |
| Return On Asset | 8.0E-4 | -0.14 |
| Profit Margin | 0.02 % | (1.27) % |
| Operating Margin | 0.20 % | (5.51) % |
| Current Valuation | 806.08 M | 16.62 B |
| Shares Outstanding | 25.34 M | 571.82 M |
| Shares Owned By Insiders | 8.96 % | 10.09 % |
| Shares Owned By Institutions | 39.89 % | 39.21 % |
| Number Of Shares Shorted | 243.49 K | 4.71 M |
| Price To Earning | 7.68 X | 28.72 X |
| Price To Book | 1.45 X | 9.51 X |
| Price To Sales | 3.41 X | 11.42 X |
| Revenue | 166.17 M | 9.43 B |
| Gross Profit | 210.95 M | 27.38 B |
| EBITDA | 5.3 M | 3.9 B |
| Net Income | 11.7 M | 570.98 M |
| Cash And Equivalents | 68.29 M | 2.7 B |
| Cash Per Share | 3.42 X | 5.01 X |
| Total Debt | 378.88 M | 5.32 B |
| Debt To Equity | 11.87 % | 48.70 % |
| Book Value Per Share | 19.53 X | 1.93 K |
| Cash Flow From Operations | 28.98 M | 971.22 M |
| Short Ratio | 1.97 X | 4.00 X |
| Earnings Per Share | 0.17 X | 3.12 X |
| Target Price | 23.2 | |
| Number Of Employees | 709 | 18.84 K |
| Beta | 0.69 | -0.15 |
| Market Capitalization | 560.23 M | 19.03 B |
| Total Asset | 3.91 B | 29.47 B |
| Retained Earnings | 272.7 M | 9.33 B |
| Annual Yield | 0.04 % | |
| Five Year Return | 2.47 % | |
| Net Asset | 3.91 B |
Note: Acquisition by Katie Lorenson of 1000 shares of Alerus Financial at 20.3 subject to Rule 16b-3 [view details]
Alerus Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Alerus . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Alerus Financial Buy or Sell Advice
When is the right time to buy or sell Alerus Financial Corp? Buying financial instruments such as Alerus Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Additional Tools for Alerus Stock Analysis
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.