Alerus Financial Valuation
| ALRS Stock | USD 25.22 0.03 0.12% |
At this time, the firm appears to be undervalued. Alerus Financial Corp shows a prevailing Real Value of $27.68 per share. The current price of the firm is $25.22. Our model approximates the value of Alerus Financial Corp from analyzing the firm fundamentals such as return on equity of 0.0329, and Profit Margin of 0.08 % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Alerus Financial's valuation include:
Price Book 1.1355 | Enterprise Value | Price Sales 2.8662 | Trailing PE 37.1324 | Enterprise Value Revenue 4.7267 |
Undervalued
Today
Please note that Alerus Financial's price fluctuation is very steady at this time. Calculation of the real value of Alerus Financial Corp is based on 3 months time horizon. Increasing Alerus Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Alerus stock is determined by what a typical buyer is willing to pay for full or partial control of Alerus Financial Corp. Since Alerus Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Alerus Stock. However, Alerus Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 25.22 | Real 27.68 | Target 26.6 | Hype 25.32 |
The intrinsic value of Alerus Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Alerus Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Alerus Financial Corp helps investors to forecast how Alerus stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Alerus Financial more accurately as focusing exclusively on Alerus Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Alerus Financial's intrinsic value based on its ongoing forecasts of Alerus Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Alerus Financial's closest peers.
Alerus Financial Cash |
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Alerus Revenue by Product
Alerus Financial Total Value Analysis
Alerus Financial Corp is presently projected to have valuation of 976.82 M with market capitalization of 641.51 M, debt of 440.55 M, and cash on hands of 68.29 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Alerus Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
976.82 M | 641.51 M | 440.55 M | 68.29 M |
Alerus Financial Investor Information
About 62.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.14. 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 26th of December 2025. The entity had 3:1 split on the 15th of September 2014. Alerus Financial Corp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.0647 | 0.0681 |
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| Operating Income | 32.4 M | 22.6 M |
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Alerus Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The newest return on assets of Alerus implies not a very effective usage of assets in February.Alerus Financial Profitability Analysis
Taking into consideration Alerus Financial's profitability measurements, Alerus Financial Corp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess Alerus Financial's ability to earn profits and add value for shareholders.Net Income | First Reported 2006-03-31 | Previous Quarter 16.9 M | Current Value -33 M | Quarterly Volatility 6.4 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.96 | 0.6751 |
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| Net Profit Margin | 0.05 | 0.0526 |
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| Operating Profit Margin | 0.0647 | 0.0681 |
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| Pretax Profit Margin | 0.0647 | 0.0681 |
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| Return On Assets | 0.0032 | 0.0033 |
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| Return On Equity | 0.0293 | 0.0309 |
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For Alerus Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Alerus Financial Corp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Alerus Financial 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 over time as well as its relative position and ranking within its peers.
Alerus Financial Earnings per Share Projection vs Actual
The next projected EPS of Alerus Financial is estimated to be 0.638 with future projections ranging from a low of 0.61 to a high of 0.68. Alerus Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 0.68. Please be aware that the consensus of earnings estimates for Alerus Financial Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.Alerus Financial Earnings Estimation Breakdown
The calculation of Alerus Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Alerus Financial is estimated to be 0.638 with the future projection ranging from a low of 0.61 to a high of 0.68. Please be aware that this consensus of annual earnings estimates for Alerus Financial Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.61 Lowest | Expected EPS | 0.68 Highest |
Alerus Financial Earnings Projection Consensus
Suppose the current estimates of Alerus Financial's value are higher than the current market price of the Alerus Financial stock. In this case, investors may conclude that Alerus Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Alerus Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 30th of June 2026 | Current EPS (TTM) | |
| 5 | 71.58% | 0.0 | 0.638 | 0.68 |
Alerus Financial Ownership Allocation
Alerus Financial holds a total of 25.41 Million outstanding shares. Over half of Alerus Financial's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.Alerus Financial Profitability Analysis
The company reported the previous year's revenue of 331.51 M. Net Income was 17.78 M with profit before overhead, payroll, taxes, and interest of 223.82 M.Alerus Financial Past Distributions to stockholders
About Alerus Financial Valuation
The stock valuation mechanism determines Alerus Financial's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Alerus Financial Corp based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Alerus Financial. We calculate exposure to Alerus Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Alerus Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 223.8 M | 155.5 M | |
| Pretax Profit Margin | 0.07 | 0.06 | |
| Operating Profit Margin | 0.07 | 0.06 | |
| Net Profit Margin | 0.05 | 0.05 | |
| Gross Profit Margin | 0.68 | 0.96 |
Alerus Financial Quarterly Retained Earnings |
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A single share of Alerus Financial represents a small ownership stake in the entity. As a stockholder of Alerus, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Alerus Financial Dividends Analysis For Valuation
Dividend Payout Ratio is likely to gain to 1.27 in 2026, whereas Dividends Paid is likely to drop slightly above 9.7 M in 2026. . At this time, Alerus Financial's Retained Earnings Total Equity is comparatively stable compared to the past year. Price Earnings Ratio is likely to gain to 34.41 in 2026, whereas Retained Earnings are likely to drop slightly above 167.6 M in 2026.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 17.8 M | 9.7 M | |
| Dividend Yield | 0.04 | 0.03 | |
| Dividend Payout Ratio | 1.21 | 1.27 | |
| Dividend Paid And Capex Coverage Ratio | 1.20 | 1.14 |
There are various types of dividends Alerus Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Alerus shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Alerus Financial Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Alerus pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Alerus Financial by the value of the dividends paid out.
Alerus Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Alerus Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 25.7 M | |
| Quarterly Earnings Growth Y O Y | 1.5 |
Alerus Financial Current Valuation Indicators
Alerus Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Alerus Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Alerus Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Alerus Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Alerus Financial's worth.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.