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ALERUS FINANCIAL CORP

ALRS

$33.22 ▼ -0.36 (-1.07%) at close

10 Visible periods

36 Metrics

Peer-ranked Benchmarks

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Health

Fair

Neutral

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Analytical Summary

ALERUS FINANCIAL CORP shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $843.1M

Dividend Yield 2.50%

Revenue Growth 1.1% ↘

Op. Margin 10.1% ↘

ROIC None

FCF / Share None

Trailing P/E 48.1x

Price / Book 1.5x

FCF Yield —

Debt / Equity 0.65

info Valuation on last close. End-of-day price, Aug 7, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$224.38M

↑ +1.1% —

Net Income Profit after all expenses

$17.44M

↓ -1.9% —

Operating Margin Operating profit as % of sales

10.1%

↓ -3.5% 56th

Long-Term Debt Long-term obligations

$59.18M

— +0.2% —

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.83 Latest / share

+5.1% YoY

+7.1% 9-yr CAGR

FY 2016

$0.48

FY 2017

$0.53

FY 2018

$0.57

FY 2019

$0.60

FY 2020

$0.63

FY 2021

$0.70

FY 2022

$0.75

FY 2023

$0.79

FY 2024

$0.83

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	1.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-82%)	32.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+435%)	-20.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-439%)	-10.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-267%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	23.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+293%)	6.1% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.3% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-29%)	—	—
EPS Growth YoY (%)	-17.9% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	42.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-72.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-29.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	17.5% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	31.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	4.3% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	70.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-1.9% Weak ↑ Weak Improving Year-over-year change in net income	52.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-70.8% Weak ↓ Weak Declining Year-over-year change in net income	-24.1% Weak ↓ Weak Declining Year-over-year change in net income	17.9% Good ↓ Good Declining Year-over-year change in net income	51.2% Excellent ↑ Excellent Improving Year-over-year change in net income	14.2% Fair Fair Year-over-year change in net income	72.4% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	2.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-10.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	9.6% Fair Fair Compound annual revenue growth over 3 years	11.0% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-0.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	3.3% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-1.1% Weak Weak Compound annual revenue growth over 5 years	4.3% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-31.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-34.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-38.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	17.1% Excellent Excellent Compound annual EPS growth over 3 years	32.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	10.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	10.4% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	9.4% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	24.7% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	29.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	25.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	18.6% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	19.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	—
Effective Tax Rate (%) (%)	22.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	53.9% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	7.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	8.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	7.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	19.0% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	22.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	15.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	14.5% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	8.8% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	11.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	14.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	13.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	15.9% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+33%)	10.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Debt to Equity (x)	0.65x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	0.60x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-50%)	1.01x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-16%)	1.22x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.16x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.18x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.21x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.94x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-22%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue per Share (USD)	$8.84	$10.55	$8.44	$11.32	$13.64	$13.63	$12.81	$12.93	$12.50	—
Basic EPS, GAAP (USD)	$0.69	$0.84	$0.59	$2.12	$3.02	$2.57	$1.96	$1.88	$1.10	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.83	$0.79	$0.75	$0.70	$0.63	$0.60	$0.57	$0.53	$0.48	—
Book Value per Share (USD)	$22.24	$19.55	$18.71	$17.85	$20.88	$19.28	$16.76	$11.79	$10.85	—
Tangible Book Value per Share (USD)	$17.55	$14.44	$15.46	$14.37	$17.87	$16.00	$14.08	$8.18	$10.85	—
Basic Weighted Avg Shares (shares)	25.38M	21.05M	19.92M	18.64M	17.19M	17.11M	14.74M	13.76M	13.65M	—
Dividend Payout Ratio (%)	120.3% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	94.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	127.1% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	20.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	23.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	29.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	28.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	43.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$59.18M	$59.07M	$58.96M	$58.84M	$58.93M	$58.73M	$58.77M	$58.82M	—	—
Total Equity (USD)	$564.93M	$495.41M	$369.13M	$356.87M	$359.40M	$330.16M	$285.73M	$162.46M	$148.10M	$139.22M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	$224.38M	$221.97M	$168.07M	$210.95M	$234.49M	$233.22M	$188.75M	$177.97M	$170.72M	—
Depreciation Expense (USD)	$15.32M	$9.84M	$2.50M	$3.00M	$3.60M	$3.90M	$3.60M	$3.20M	$3.20M	—
Net Income, GAAP (USD)	$17.44M	$17.78M	$11.70M	$40.01M	$52.68M	$44.67M	$29.54M	$25.87M	$15.00M	—
Operating Cash Flow (USD)	$67.53M	$21.75M	$28.98M	$102.97M	$149.83M	$-22.26M	$19.25M	$53.55M	$47.89M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	2.0%	2.2%	2.6%	2.6%	2.8%	3.2%	3.5%	3.2%	—
Efficiency Ratio (%) (%)	89.7%	81.4%	89.3%	75.3%	72.0%	70.2%	75.5%	76.6%	79.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 10 years · 35 quarters

ALERUS FINANCIAL CORP

Analytical Summary

10-Year Financial Trajectory

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