Alerus Financial Corp Net Income
| ALRS Stock | USD 25.25 0.09 0.36% |
As of the 14th of February 2026, Alerus Financial shows the risk adjusted performance of 0.1588, and Mean Deviation of 1.3. Alerus Financial Corp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Alerus Financial Corp standard deviation, as well as the relationship between the maximum drawdown and expected short fall to decide if Alerus Financial Corp is priced correctly, providing market reflects its regular price of 25.25 per share. Given that Alerus Financial has jensen alpha of 0.2602, we suggest you to validate Alerus Financial Corp's prevailing market performance to make sure the company can sustain itself at a future point.
Alerus Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Alerus Financial's valuation are provided below:Alerus Financial Corp does not presently have any fundamental signals for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. Is there potential for Diversified Financial Services market expansion? Will Alerus introduce new products? Factors like these will boost the valuation of Alerus Financial. If investors know Alerus will grow in the future, the company's valuation will be higher. Understanding fair value requires weighing current performance against future potential. All the valuation information about Alerus Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Understanding Alerus Financial Corp requires distinguishing between market price and book value, where the latter reflects Alerus's accounting equity. The concept of intrinsic value - what Alerus Financial's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Market sentiment, economic cycles, and investor behavior can push Alerus Financial's price substantially above or below its fundamental value.
Understanding that Alerus Financial's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Alerus Financial represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. In contrast, Alerus Financial's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Alerus Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Alerus Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Alerus Financial.
| 11/16/2025 |
| 02/14/2026 |
If you would invest 0.00 in Alerus Financial on November 16, 2025 and sell it all today you would earn a total of 0.00 from holding Alerus Financial Corp or generate 0.0% return on investment in Alerus Financial over 90 days. Alerus Financial is related to or competes with Bridgewater Bancshares, Arrow Financial, Northpointe Bancshares, Shore Bancshares, Bar Harbor, Midland States, and SmartFinancial. Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial... More
Alerus Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Alerus Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Alerus Financial Corp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.39 | |||
| Information Ratio | 0.1486 | |||
| Maximum Drawdown | 9.3 | |||
| Value At Risk | (2.19) | |||
| Potential Upside | 2.92 |
Alerus Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Alerus Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Alerus Financial's standard deviation. In reality, there are many statistical measures that can use Alerus Financial historical prices to predict the future Alerus Financial's volatility.| Risk Adjusted Performance | 0.1588 | |||
| Jensen Alpha | 0.2602 | |||
| Total Risk Alpha | 0.1843 | |||
| Sortino Ratio | 0.1789 | |||
| Treynor Ratio | 0.382 |
Alerus Financial February 14, 2026 Technical Indicators
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| Math Transform | ||
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| Overlap Studies | ||
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| Price Transform | ||
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| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1588 | |||
| Market Risk Adjusted Performance | 0.392 | |||
| Mean Deviation | 1.3 | |||
| Semi Deviation | 1.15 | |||
| Downside Deviation | 1.39 | |||
| Coefficient Of Variation | 525.26 | |||
| Standard Deviation | 1.67 | |||
| Variance | 2.8 | |||
| Information Ratio | 0.1486 | |||
| Jensen Alpha | 0.2602 | |||
| Total Risk Alpha | 0.1843 | |||
| Sortino Ratio | 0.1789 | |||
| Treynor Ratio | 0.382 | |||
| Maximum Drawdown | 9.3 | |||
| Value At Risk | (2.19) | |||
| Potential Upside | 2.92 | |||
| Downside Variance | 1.93 | |||
| Semi Variance | 1.31 | |||
| Expected Short fall | (1.61) | |||
| Skewness | 0.2125 | |||
| Kurtosis | 0.8571 |
Alerus Financial Corp Backtested Returns
Alerus Financial appears to be very steady, given 3 months investment horizon. Alerus Financial Corp secures Sharpe Ratio (or Efficiency) of 0.19, which signifies that the company had a 0.19 % return per unit of standard deviation over the last 3 months. We have found twenty-nine technical indicators for Alerus Financial Corp, which you can use to evaluate the volatility of the firm. Please makes use of Alerus Financial's risk adjusted performance of 0.1588, and Mean Deviation of 1.3 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Alerus Financial holds a performance score of 15. The firm shows a Beta (market volatility) of 0.81, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, Alerus Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Alerus Financial is expected to be smaller as well. Please check Alerus Financial's standard deviation, expected short fall, period momentum indicator, as well as the relationship between the maximum drawdown and rate of daily change , to make a quick decision on whether Alerus Financial's price patterns will revert.
Auto-correlation | 0.43 |
Average predictability
Alerus Financial Corp has average predictability. Overlapping area represents the amount of predictability between Alerus Financial time series from 16th of November 2025 to 31st of December 2025 and 31st of December 2025 to 14th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Alerus Financial Corp price movement. The serial correlation of 0.43 indicates that just about 43.0% of current Alerus Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.43 | |
| Spearman Rank Test | 0.73 | |
| Residual Average | 0.0 | |
| Price Variance | 0.86 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, Alerus Financial Corp reported net income of 17.78 M. This is 98.61% lower than that of the Financial Services sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 96.89% higher than that of the company.
Alerus Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Alerus Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Alerus Financial could also be used in its relative valuation, which is a method of valuing Alerus Financial by comparing valuation metrics of similar companies.Alerus Financial is currently under evaluation in net income category among its peers.
Alerus Fundamentals
| Return On Equity | 0.0329 | ||||
| Return On Asset | 0.0033 | ||||
| Profit Margin | 0.08 % | ||||
| Operating Margin | (4.80) % | ||||
| Current Valuation | 976.82 M | ||||
| Shares Outstanding | 25.41 M | ||||
| Shares Owned By Insiders | 8.24 % | ||||
| Shares Owned By Institutions | 60.54 % | ||||
| Number Of Shares Shorted | 638.25 K | ||||
| Price To Earning | 7.68 X | ||||
| Price To Book | 1.13 X | ||||
| Price To Sales | 2.87 X | ||||
| Revenue | 331.51 M | ||||
| Gross Profit | 223.82 M | ||||
| EBITDA | 22.59 M | ||||
| Net Income | 17.78 M | ||||
| Cash And Equivalents | 68.29 M | ||||
| Cash Per Share | 3.42 X | ||||
| Total Debt | 440.55 M | ||||
| Debt To Equity | 11.87 % | ||||
| Book Value Per Share | 22.24 X | ||||
| Cash Flow From Operations | 28.96 M | ||||
| Short Ratio | 4.10 X | ||||
| Earnings Per Share | 0.68 X | ||||
| Target Price | 26.6 | ||||
| Number Of Employees | 846 | ||||
| Beta | 0.63 | ||||
| Market Capitalization | 641.51 M | ||||
| Total Asset | 5.23 B | ||||
| Retained Earnings | 270.07 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.47 % | ||||
| Net Asset | 5.23 B | ||||
| Last Dividend Paid | 0.83 |
About Alerus Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Alerus Financial Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Alerus Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Alerus Financial Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis 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.