Is Alerus Financial Stock a Good Investment?
Alerus Financial Investment Advice | ALRS |
- Examine Alerus Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Alerus Financial's leadership team and their track record. Good management can help Alerus Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Diversified Financial Services space and any emerging trends that could impact Alerus Financial's business and its evolving consumer preferences.
- Compare Alerus Financial's performance and market position to its competitors. Analyze how Alerus Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Alerus Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Alerus Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Alerus Financial Corp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Alerus Financial Corp is a good investment.
Sell | Buy |
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 |
Examine Alerus Financial Stock
Researching Alerus Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 40.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.45. Some equities with similar Price to Book (P/B) outperform the market in the long run. Alerus Financial Corp last dividend was issued on the 13th of September 2024. The entity had 3:1 split on the 15th of September 2014.
To determine if Alerus Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Alerus Financial's research are outlined below:
| 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 uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Alerus Financial Corp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Alerus Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 24th of April 2024 Upcoming Quarterly Report | View | |
| 24th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 22nd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Alerus Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Alerus Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2020-01-28 | 2019-12-31 | 0.39 | 0.43 | 0.04 | 10 | ||
2024-07-24 | 2024-06-30 | 0.36 | 0.31 | -0.05 | 13 | ||
2022-10-26 | 2022-09-30 | 0.54 | 0.47 | -0.07 | 12 | ||
2023-10-25 | 2023-09-30 | 0.36 | 0.45 | 0.09 | 25 | ||
2023-07-26 | 2023-06-30 | 0.35 | 0.45 | 0.1 | 28 | ||
2021-07-28 | 2021-06-30 | 0.56 | 0.66 | 0.1 | 17 | ||
2024-10-29 | 2024-09-30 | 0.44 | 0.26 | -0.18 | 40 | ||
2022-01-26 | 2021-12-31 | 0.53 | 0.72 | 0.19 | 35 |
Know Alerus Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Alerus Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Alerus Financial Corp backward and forwards among themselves. Alerus Financial's institutional investor refers to the entity that pools money to purchase Alerus Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| 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's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 560.23 M.Market Cap |
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Alerus Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.02 | 0.03 | |
| Return On Equity | 0.03 | 0.03 |
Determining Alerus Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Alerus Financial is a good buy. For example, gross profit margin measures Alerus Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Alerus Financial's profitability and make more informed investment decisions.
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.
Evaluate Alerus Financial's management efficiency
Return On Capital Employed is likely to gain to 0.03 in 2024, whereas Return On Tangible Assets are likely to drop 0 in 2024. At this time, Alerus Financial's Non Current Assets Total are comparatively stable compared to the past year. Non Currrent Assets Other is likely to gain to about 3.9 B in 2024, whereas Other Assets are likely to drop slightly above 1.3 B in 2024. Alerus Financial's management efficiency ratios could be used to measure how well Alerus Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 18.53 | 17.60 | |
| Tangible Book Value Per Share | 15.22 | 14.46 | |
| Enterprise Value Over EBITDA | 12.21 | 12.82 | |
| Price Book Value Ratio | 1.21 | 1.03 | |
| Enterprise Value Multiple | 12.21 | 12.82 | |
| Price Fair Value | 1.21 | 1.03 | |
| Enterprise Value | 52.3 M | 69.1 M |
The strategic initiatives led by Alerus Financial's management are central to its market success. By analyzing these initiatives, we provide a clear picture of the stock's growth prospects.
Dividend Yield 0.0362 | Forward Dividend Yield 0.0362 | Forward Dividend Rate 0.8 | Beta 0.686 |
Basic technical analysis of Alerus Stock
As of the 25th of November, Alerus Financial shows the mean deviation of 1.61, and Risk Adjusted Performance of 0.0333. 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 22.11 per share. Given that Alerus Financial has jensen alpha of (0.11), 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 insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Alerus Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Alerus Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Alerus Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Alerus Financial's Outstanding Corporate Bonds
Alerus Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Alerus Financial Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Alerus bonds can be classified according to their maturity, which is the date when Alerus Financial Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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| HSBC Holdings PLC Corp BondUS404280DR76 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View | |
| AerCap Global Aviation Corp BondUS00773HAA59 | View |
Understand Alerus Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Alerus Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0333 | |||
| Market Risk Adjusted Performance | 0.0609 | |||
| Mean Deviation | 1.61 | |||
| Semi Deviation | 3.01 | |||
| Downside Deviation | 3.19 | |||
| Coefficient Of Variation | 2914.39 | |||
| Standard Deviation | 2.58 | |||
| Variance | 6.67 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | (0.11) | |||
| Total Risk Alpha | (0.33) | |||
| Sortino Ratio | (0.01) | |||
| Treynor Ratio | 0.0509 | |||
| Maximum Drawdown | 18.26 | |||
| Value At Risk | (3.35) | |||
| Potential Upside | 2.89 | |||
| Downside Variance | 10.17 | |||
| Semi Variance | 9.06 | |||
| Expected Short fall | (1.56) | |||
| Skewness | (2.19) | |||
| Kurtosis | 12.64 |
| Risk Adjusted Performance | 0.0333 | |||
| Market Risk Adjusted Performance | 0.0609 | |||
| Mean Deviation | 1.61 | |||
| Semi Deviation | 3.01 | |||
| Downside Deviation | 3.19 | |||
| Coefficient Of Variation | 2914.39 | |||
| Standard Deviation | 2.58 | |||
| Variance | 6.67 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | (0.11) | |||
| Total Risk Alpha | (0.33) | |||
| Sortino Ratio | (0.01) | |||
| Treynor Ratio | 0.0509 | |||
| Maximum Drawdown | 18.26 | |||
| Value At Risk | (3.35) | |||
| Potential Upside | 2.89 | |||
| Downside Variance | 10.17 | |||
| Semi Variance | 9.06 | |||
| Expected Short fall | (1.56) | |||
| Skewness | (2.19) | |||
| Kurtosis | 12.64 |
Consider Alerus Financial's intraday indicators
Alerus Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Alerus Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Alerus Financial Corporate Filings
13A | 8th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
F4 | 4th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 31st of October 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
8K | 29th of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
Alerus Stock media impact
Far too much social signal, news, headlines, and media speculation about Alerus Financial that are available to investors today. That information is available publicly through Alerus media outlets and privately through word of mouth or via Alerus internal channels. However, regardless of the origin, that massive amount of Alerus data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Alerus Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Alerus Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Alerus Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Alerus Financial alpha.
Alerus Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Alerus Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Alerus Financial Corporate Management
| Deborah Otto | Market Duluth | Profile | |
| Jim Collins | Executive Officer | Profile | |
| Jerrod CPA | Chief VP | Profile | |
| Bonnie CPA | Chief Officer | Profile | |
| Karin Taylor | Executive Officer | Profile |
Already Invested in Alerus Financial Corp?
The danger of trading Alerus Financial Corp is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Alerus Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Alerus Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Alerus Financial Corp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
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.