Alerus Financial Valuation
| ALRS Stock | USD 21.89 0.09 0.41% |
At this time, the firm appears to be overvalued. Alerus Financial Corp shows a prevailing Real Value of $18.53 per share. The current price of the firm is $21.89. Our model approximates the value of Alerus Financial Corp from analyzing the firm fundamentals such as profit margin of 0.02 %, and Return On Equity of 0.0084 as well as examining its technical indicators and probability of bankruptcy.
Overvalued
Today
Please note that Alerus Financial's price fluctuation is not too volatile 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 21.89 | Real 18.53 | Hype 21.89 | Naive 22.16 |
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: Alerus Financial Total Value Analysis
Alerus Financial Corp is presently projected to have valuation of 802.79 M with market capitalization of 554.66 M, debt of 378.88 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 |
802.79 M | 554.66 M | 378.88 M | 68.29 M |
Alerus Financial Investor Information
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 1.44. 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. Based on the analysis of Alerus Financial's profitability, liquidity, and operating efficiency, Alerus Financial Corp is not in a good financial situation at the present time. It has a very high likelihood of going through financial trouble in December.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 November.Alerus Financial Ownership Allocation
Alerus Financial holds a total of 25.34 Million outstanding shares. 30% of Alerus Financial Corp outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. 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 166.17 M. Net Income was 11.7 M with profit before overhead, payroll, taxes, and interest of 210.95 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.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.
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
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 | 20.1 M | |
| Quarterly Earnings Growth Y O Y | -0.422 |
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.