ALRS - ALERUS FINANCIAL CORP

📈 Is growth accelerating? 7 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	7.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	10.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+69%)	—	42.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+609%)	45.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+660%)	44.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+645%)	—	4.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-28%)	7.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+17%)	-2.8% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	—	-11.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-297%)	-7.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-228%)	-4.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-173%)	—	-3.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-154%)	-10.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-269%)	-18.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-412%)	—	-14.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-345%)	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-112%)	36.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+512%)	—	38.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+548%)	20.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+247%)	4.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	—	6.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+13%)	—	—	—	—	—	—	—	—
EPS Growth YoY (%)	3.8% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	73.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-2033.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	153.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	154.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	62.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	91.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-43.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-31.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-22.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-4.2% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-15.1% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-29.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-26.0% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-36.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-20.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-33.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.7% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-25.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	180.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	37.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	106.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	10.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-34.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-7.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	3.0% Caution ↑ Caution Improving Year-over-year change in net income	72.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-49978.8% Weak ↓ Weak Declining Year-over-year change in net income	225.0% Excellent ↑ Excellent Improving Year-over-year change in net income	226.2% Excellent ↑ Excellent Improving Year-over-year change in net income	107.0% Excellent ↑ Excellent Improving Year-over-year change in net income	99.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-43.2% Weak ↓ Weak Declining Year-over-year change in net income	-31.8% Weak ↓ Weak Declining Year-over-year change in net income	-21.4% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-4.8% Weak ↑ Weak Improving Year-over-year change in net income	-2.0% Weak ↑ Weak Improving Year-over-year change in net income	-19.6% Weak → Weak Stable Year-over-year change in net income	-14.1% Weak ↑ Weak Improving Year-over-year change in net income	-26.4% Weak ↓ Weak Declining Year-over-year change in net income	-20.5% Weak ↓ Weak Declining Year-over-year change in net income	-33.1% Weak ↓ Weak Declining Year-over-year change in net income	24.8% Good ↓ Good Declining Year-over-year change in net income	-26.0% Weak ↓ Weak Declining Year-over-year change in net income	1.9% Caution ↓ Caution Declining Year-over-year change in net income	183.7% Excellent ↑ Excellent Improving Year-over-year change in net income	33.0% Excellent ↓ Excellent Declining Year-over-year change in net income	148.6% Excellent ↑ Excellent Improving Year-over-year change in net income	37.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-16.7% Weak ↓ Weak Declining Year-over-year change in net income	26.8% Excellent Excellent Year-over-year change in net income	-3.6% Weak Weak 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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 (%)	18.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	9.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	—	-3.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-3.9% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-8.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	-10.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-6.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	—	4.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.0% Caution Caution Compound annual revenue growth over 3 years	—	8.2% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	—	1.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	8.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	—	1.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.5% Caution Caution Compound annual revenue growth over 5 years	—	1.6% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	22.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	30.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	11.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	14.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	-3.6% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	—	-29.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-22.7% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-28.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-23.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-12.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.8% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	7.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-0.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	7.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	18.4% Excellent Excellent Compound annual EPS growth over 3 years	12.3% Good Good Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	33.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	39.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	—	30.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	35.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	25.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	13.4% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	15.8% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	17.9% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	—	23.7% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	24.2% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	—	22.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	23.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	25.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	30.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	26.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	31.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—	34.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	25.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	14.8% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	—	19.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	23.2% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	19.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	—	20.6% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	—	—	—	—
Effective Tax Rate (%) (%)	23.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	77.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% 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%	23.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	25.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	30.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	—	23.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	19.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	—	10.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	12.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	13.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	—	18.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	19.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	16.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	—	17.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	17.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	19.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	—	22.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	24.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	—	26.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	19.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	11.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	—	14.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	17.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	14.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	—	16.3% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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 (%) (%)	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable 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%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—
Return on Common Equity (%) (%)	3.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	4.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	-5.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-149%)	3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	-0.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	1.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	-4.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-133%)	2.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	3.1% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	3.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	3.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	4.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	5.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	3.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	4.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	3.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	3.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	4.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Debt to Equity (x)	0.69x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	0.45x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.65x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	0.47x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.70x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	0.50x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.60x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-50%)	0.79x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	1.65x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+37%)	1.65x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+38%)	—	1.64x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+37%)	—	1.20x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	—	0.91x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-24%)	0.98x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-18%)	0.18x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	—	0.17x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.17x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.18x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	—	0.18x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.20x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	—	0.21x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	—	—	—	—	—	—	—	—
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Revenue per Share (USD)	$3.22	$2.98	—	$2.86	$2.95	$2.71	—	$2.57	$2.60	$2.41	—	$2.46	$2.40	$2.44	—	$2.77	$3.01	$2.97	—	$3.32	$3.37	$3.67	—	$3.91	$3.41	$2.70	—	$3.38	$3.50	$3.21	—	$3.28	—	—	—	—
Basic EPS, GAAP (USD)	$0.82	$0.90	$-1.28	$0.66	$0.79	$0.52	$-0.06	$0.26	$0.31	$0.32	$-0.72	$0.46	$0.45	$0.41	$0.54	$0.48	$0.53	$0.58	$0.73	$0.75	$0.67	$0.87	$0.59	$1.01	$0.66	$0.31	$0.43	$0.49	$0.60	$0.47	$0.44	$0.53	—	—	—	—
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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)	$0.22	$0.21	$0.21	$0.21	$0.21	$0.20	$0.20	$0.20	$0.20	$0.19	$0.19	$0.19	$0.19	$0.18	$0.18	$0.18	$0.18	$0.16	$0.16	$0.16	$0.16	$0.15	$0.15	$0.15	$0.15	$0.15	$0.15	$0.14	$0.14	$0.14	$0.14	$0.13	—	—	—	—
Book Value per Share (USD)	$23.34	$22.79	$22.24	$21.68	$21.00	$20.27	$19.55	$19.53	$18.87	$18.79	—	$17.60	$17.85	$17.90	—	$17.25	$17.75	$19.00	—	$20.52	$20.03	$19.15	—	$18.81	$17.86	$17.16	—	$16.51	$12.98	$12.30	—	$11.29	—	—	—	—
Tangible Book Value per Share (USD)	$18.73	$18.15	$17.55	$16.90	$16.11	$15.27	$14.44	$16.50	$15.77	$15.63	—	$14.32	$17.85	$14.50	—	$13.76	$14.93	$16.07	—	$17.46	$16.89	$15.95	—	$16.31	$15.30	$14.55	—	$13.77	$12.98	$12.30	—	$11.29	—	—	—	—
Basic Weighted Avg Shares (shares)	25.08M	25.38M	—	25.39M	25.37M	25.36M	—	19.79M	19.78M	19.74M	—	19.87M	20.03M	20.03M	—	19.99M	17.30M	17.24M	—	17.20M	17.19M	17.14M	—	17.12M	17.11M	17.07M	—	14.27M	13.81M	13.78M	—	13.78M	—	—	—	—
Dividend Payout Ratio (%)	26.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-16.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	26.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	38.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-333.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	76.9% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	64.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	59.4% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-26.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	42.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	37.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	27.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.3% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	23.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	17.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	14.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	22.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	48.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	28.6% Excellent → Excellent Stable 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%	29.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	31.8% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	24.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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)	$59.24M	$59.21M	$59.18M	$59.15M	$59.13M	$59.10M	$59.07M	$59.04M	$59.01M	$58.98M	—	$58.93M	—	$58.87M	—	$58.84M	$58.87M	$58.90M	—	$58.96M	$58.99M	$59.02M	—	$58.74M	$58.75M	$58.76M	—	$58.77M	—	—	—	—	—	—	—	—
Total Equity (USD)	$583.14M	$574.69M	$564.93M	$550.69M	$533.15M	$514.23M	$495.41M	$386.49M	$373.23M	$371.63M	$369.13M	$349.40M	$357.69M	$359.12M	$356.87M	$344.84M	$307.16M	$328.50M	$359.40M	$353.19M	$344.39M	$329.23M	$330.16M	$322.00M	$305.73M	$293.61M	$285.73M	$281.40M	$179.27M	$169.46M	$162.46M	$155.59M	$153.88M	$148.10M	$148.10M	$139.22M

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	$80.66M	$75.76M	—	$72.57M	$74.80M	$68.79M	—	$50.91M	$51.37M	$47.54M	—	$48.80M	$48.01M	$48.91M	—	$55.33M	$52.00M	$51.14M	—	$57.17M	$57.89M	$62.92M	—	$67.02M	$58.32M	$46.03M	—	$48.26M	$48.27M	$44.19M	—	$45.19M	—	—	—	—
Depreciation Expense (USD)	$3.38M	$3.28M	$3.77M	$3.88M	$1.10M	$3.84M	$3.39M	$700.00K	$700.00K	—	$600.00K	—	$600.00K	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$20.86M	$22.97M	$-33.05M	$16.92M	$20.25M	$13.31M	$-66.00K	$5.21M	$6.21M	$6.43M	$-14.76M	$9.16M	$9.10M	$8.19M	$10.91M	$9.62M	$9.29M	$10.18M	$12.71M	$13.07M	$11.69M	$15.21M	$10.18M	$17.66M	$11.47M	$5.36M	$7.65M	$7.10M	$8.35M	$6.44M	$6.03M	$7.37M	—	—	—	—
Operating Cash Flow (USD)	$18.60M	$27.81M	$16.34M	$32.78M	—	$7.71M	$2.31M	—	—	$11.99M	$2.02M	—	$14.38M	$445.00K	$48.23M	—	—	$34.85M	$32.09M	—	—	$54.84M	$-2.41M	—	—	$-21.17M	$17.32M	—	$-11.01M	$-1.40M	$26.20M	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Net Interest Margin (approx.) (%)	3.6%	3.4%	3.5%	3.2%	3.2%	3.1%	2.9%	2.2%	2.2%	2.0%	2.2%	2.1%	2.3%	2.4%	2.9%	3.1%	2.8%	2.6%	2.7%	2.7%	2.7%	2.8%	3.1%	3.0%	2.8%	3.0%	3.1%	3.4%	—	—	3.5%	—	—	—	—	—
Efficiency Ratio (%) (%)	65.6%	66.5%	—	69.6%	64.8%	73.2%	—	83.4%	75.4%	82.1%	—	76.3%	75.8%	77.4%	—	77.3%	76.9%	74.4%	—	73.5%	73.5%	68.4%	—	60.0%	68.1%	79.8%	—	77.3%	73.0%	75.8%	—	76.0%	—	—	—	—

ALERUS FINANCIAL CORP

Analytical Summary

36-Year Financial Trajectory

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