Alerus Financial EBITDA vs. Current Valuation
| ALRS Stock | USD 20.42 0.22 1.07% |
EBITDA | First Reported 2010-12-31 | Previous Quarter 6.1 M | Current Value 5.8 M | Quarterly Volatility 21.9 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.8 | 0.9 |
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| Net Profit Margin | 0.11 | 0.0634 |
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| Operating Profit Margin | 0.2 | 0.31 |
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| Pretax Profit Margin | 0.16 | 0.0859 |
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| Return On Assets | 0.0026 | 0.0027 |
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| Return On Equity | 0.0271 | 0.0285 |
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For Alerus Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Alerus Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Alerus Financial Corp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Alerus Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Alerus Financial Corp over time as well as its relative position and ranking within its peers.
Alerus |
Alerus Financial's Revenue Breakdown by Earning Segment
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Is Diversified Financial Services space expected to grow? Or is there an opportunity to expand the business' product line in the future? 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. The financial industry is built on trying to define current growth potential and future valuation accurately. 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.
Quarterly Earnings Growth (0.42) | Dividend Share 0.79 | Earnings Share 0.97 | Revenue Per Share | Quarterly Revenue Growth 1.888 |
The market value of Alerus Financial Corp is measured differently than its book value, which is the value of Alerus that is recorded on the company's balance sheet. Investors also form their own opinion of Alerus Financial's value that differs from its market value or its book value, called intrinsic value, which is Alerus Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Alerus Financial's market value can be influenced by many factors that don't directly affect Alerus Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Alerus Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Alerus Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Alerus Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Alerus Financial Corp Current Valuation vs. EBITDA Fundamental Analysis
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. Alerus Financial Corp is rated below average in ebitda category among its peers. It is rated second in current valuation category among its peers reporting about 145.40 of Current Valuation per EBITDA. At this time, Alerus Financial's EBITDA 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 Current Valuation vs. EBITDA
EBITDA stands for earnings before interest, taxes, depreciation, and amortization. It is a measure of a company operating cash flow based on data from the company income statement and is a very good way to compare companies within industries or across different sectors. However, unlike Operating Cash Flow, EBITDA does not include the effects of changes in working capital.
Alerus Financial |
| = | 5.3 M |
In a nutshell, EBITDA is calculated by adding back each of the excluded items to the post-tax profit, and can be used to compare companies with very different capital structures.
Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.
Alerus Financial |
| = | 770.01 M |
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.
Alerus Current Valuation vs Competition
Alerus Financial Corp is rated second in current valuation category among its peers. After adjusting for long-term liabilities, total market size of Financials industry is presently estimated at about 4.6 Billion. Alerus Financial retains roughly 770.01 Million in current valuation claiming about 17% of equities under Financials industry.
Alerus Financial Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Alerus Financial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Alerus Financial will eventually generate negative long term returns. The profitability progress is the general direction of Alerus Financial's change in net profit over the period of time. It can combine multiple indicators of Alerus Financial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -66.3 M | -63 M | |
| Operating Income | 18.2 M | 17.3 M | |
| Income Before Tax | 18.2 M | 31.2 M | |
| Net Income Applicable To Common Shares | 46 M | 48.3 M | |
| Net Income | 13.5 M | 21.9 M | |
| Income Tax Expense | 4.8 M | 9.3 M | |
| Total Other Income Expense Net | 14.3 M | 15 M | |
| Net Income From Continuing Ops | 43 M | 32.7 M | |
| Net Interest Income | 107.2 M | 88.6 M | |
| Interest Income | 179.4 M | 108.2 M | |
| Change To Netincome | 60.4 M | 63.5 M | |
| Net Income Per Share | 0.53 | 0.50 | |
| Income Quality | 2.23 | 1.52 | |
| Net Income Per E B T | 0.66 | 0.55 |
Alerus Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Alerus Financial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Alerus Financial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Alerus Financial's important profitability drivers and their relationship over time.
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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.