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Alerus financial corporationALRS.US Overview

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ALRS Recent Performance

1.64%

Alerus financial corporation

1.79%

Avg of Sector

-0.31%

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ALRS Key Information

ALRS Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

ALRS Profile

Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers. The company operates in four segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. It offers various deposit products, including demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, checking accounts, and certificates of deposit; and treasury management products, including electronic receivables management, remote deposit capture, cash vault services, merchant services, and other cash management services. The company also provides commercial loans, business term loans, lines of credit, and commercial real estate loans, as well as construction and land development loans; consumer lending products, including residential first mortgage loans; installment loans and lines of credit; and second mortgage loans. In addition, it offers retirement plan administration and investment advisory services, employee stock ownership plan, fiduciary services, payroll, health savings accounts, and other benefit services, as well as individual retirement accounts; and financial planning, investment management, personal and corporate trust, estate administration, and custody services. Further, the company provides debit and credit cards, online banking, mobile banking/wallet, payment, private banking, payroll accounts, flex spending accounts, administration, and government health insurance program services. It offers banking services through fourteen offices in North Dakota, Minnesota, and Arizona; and retirement and benefit plans in 50 states through offices located in Michigan, Minnesota, and Colorado. The company was formerly known as First National Bank North Dakota and changed its name to Alerus Financial Corporation in 2000. Alerus Financial Corporation was founded in 1879 and is headquartered in Grand Forks, North Dakota.

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ALRS FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

ALRS Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.69
PE Ratio (TTM)
35.06
Forward PE
10.43
PS Ratio (TTM)
2.71
PB Ratio
1.12
Price-to-FCF
8.33
METRIC
VALUE
vs. INDUSTRY
Gross Margin
89.99%
Net Margin
7.01%
Revenue Growth (YoY)
22.02%
Profit Growth (YoY)
9.80%
3-Year Revenue Growth
-13.95%
3-Year Profit Growth
-45.42%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.69
PE Ratio (TTM)
35.06
Forward PE
10.43
PS Ratio (TTM)
2.71
PB Ratio
1.12
Price-to-FCF
8.33
Gross Margin
89.99%
Net Margin
7.01%
Revenue Growth (YoY)
22.02%
Profit Growth (YoY)
9.80%
3-Year Revenue Growth
-13.95%
3-Year Profit Growth
-45.42%

  • When is ALRS's latest earnings report released?

    The most recent financial report for Alerus financial corporation (ALRS) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating ALRS's short-term business performance and financial health. For the latest updates on ALRS's earnings releases, visit this page regularly.

  • Where does ALRS fall in the P/E River chart?

    According to historical valuation range analysis, Alerus financial corporation (ALRS)'s current price-to-earnings (P/E) ratio is -4.33, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of ALRS?

    According to the latest financial report, Alerus financial corporation (ALRS) reported an Operating Profit of -43.35M with an Operating Margin of -129.64% this period, representing a decline of 14,796.22% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is ALRS's revenue growth?

    In the latest financial report, Alerus financial corporation (ALRS) announced revenue of 33.44M, with a Year-Over-Year growth rate of -44.42%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does ALRS have?

    As of the end of the reporting period, Alerus financial corporation (ALRS) had total debt of 440.55M, with a debt ratio of 0.07. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does ALRS have?

    At the end of the period, Alerus financial corporation (ALRS) held Total Cash and Cash Equivalents of 67.19M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does ALRS go with three margins increasing?

    In the latest report, Alerus financial corporation (ALRS) did not achieve the “three margins increasing” benchmark, with a gross margin of 25.52%%, operating margin of -129.64%%, and net margin of -98.84%%. This demonstrates limited improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess ALRS's profit trajectory and future growth potential.

  • Is ALRS's EPS continuing to grow?

    According to the past four quarterly reports, Alerus financial corporation (ALRS)'s earnings per share (EPS) shows a declining trend, with the latest EPS at -1.3. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of ALRS?

    Alerus financial corporation (ALRS)'s Free Cash Flow (FCF) for the period is 30.32M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 59.78% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of ALRS?

    The latest valuation data shows Alerus financial corporation (ALRS) has a Price-To-Earnings (PE) ratio of -4.33 and a Price/Earnings-To-Growth (PEG) ratio of 0.01. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.