Alerus Financial Corp Stock Analysis
| ALRS Stock | USD 22.11 0.22 1.01% |
Alerus Financial Corp is overvalued with Real Value of 20.77 and Target Price of 19.38. The main objective of Alerus Financial stock analysis is to determine its intrinsic value, which is an estimate of what Alerus Financial Corp is worth, separate from its market price. There are two main types of Alerus Financial's stock analysis: fundamental analysis and technical analysis.
The Alerus Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Alerus Financial is usually not traded on Memorial Day, Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday. Alerus Stock trading window is adjusted to America/New York timezone.
Alerus |
Alerus Stock Analysis Notes
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. 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. For more info on Alerus Financial Corp please contact Katie Lorenson at 701 795 3200 or go to https://alerus.com.Alerus Financial Quarterly Total Revenue |
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Alerus Financial Corp Investment Alerts
| 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 Corp Upcoming and Recent Events
| 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 |
Alerus Largest EPS Surprises
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.
| 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 |
Alerus Financial Environmental, Social, and Governance (ESG) Scores
Alerus Financial's ESG score is a quantitative measure that evaluates Alerus Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Alerus Financial's operations that may have significant financial implications and affect Alerus Financial's stock price as well as guide investors towards more socially responsible investments.
Alerus Stock Institutional Investors
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 Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 560.23 M.Alerus Profitablity
The company has Profit Margin (PM) of 0.02 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.2 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.2.| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.02 | 0.03 | |
| Return On Equity | 0.03 | 0.03 |
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 | Operating Margin 0.1994 | Profit Margin 0.0188 | Forward Dividend Yield 0.0362 | Beta 0.686 |
Technical Drivers
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 Corp Price Movement Analysis
The output start index for this execution was eleven with a total number of output elements of fifty. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Alerus Financial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Alerus Financial Corp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Alerus Financial Corp 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 Outstanding 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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Alerus Financial Predictive Daily 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 |
13A | 22nd of October 2024 An amended filing to the original Schedule 13G | ViewVerify |
F3 | 10th of October 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
8K | 9th of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
8K | 26th of September 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
Alerus Financial Forecast Models
Alerus Financial's time-series forecasting models are one of many Alerus Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Alerus Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.About Alerus Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how Alerus Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Alerus shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Alerus Financial. By using and applying Alerus Stock analysis, traders can create a robust methodology for identifying Alerus entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.10 | 0.16 | |
| Operating Profit Margin | 0.31 | 0.20 | |
| Net Profit Margin | 0.07 | 0.11 |
Current Alerus Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Alerus analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Alerus analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 19.38 | Buy | 5 | Odds |
Most Alerus analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Alerus stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Alerus Financial Corp, talking to its executives and customers, or listening to Alerus conference calls.
Alerus Stock Analysis Indicators
Alerus Financial Corp stock analysis indicators help investors evaluate how Alerus Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Alerus Financial shares will generate the highest return on investment. By understating and applying Alerus Financial stock analysis, traders can identify Alerus Financial position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 58.2 M | |
| Long Term Debt | 59 M | |
| Common Stock Shares Outstanding | 20.1 M | |
| Total Stockholder Equity | 369.1 M | |
| Tax Provision | 10.8 M | |
| Quarterly Earnings Growth Y O Y | -0.422 | |
| Property Plant And Equipment Net | 23.4 M | |
| Cash And Short Term Investments | 28.9 M | |
| Cash | 129.9 M | |
| Net Debt | 249 M | |
| 50 Day M A | 22.443 | |
| Total Current Liabilities | 2.9 B | |
| Other Operating Expenses | 166.2 M | |
| Non Current Assets Total | 3.9 B | |
| Non Currrent Assets Other | 3.7 B | |
| Stock Based Compensation | -1.1 M |
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.