Alerus Financial Debt 2024

Alerus Financial Aktienanalyse

What does Alerus Financial do?

Alerus Financial Corp is an American bank holding company based in Grand Forks, North Dakota. The company was founded in 1879 and has undergone many changes over the decades, but its mission has never changed: it strives to help its customers achieve their financial goals. Alerus Financial Corp's business model is very diverse. It offers a wide range of banking services, including deposits, loans, mortgages, asset management, insurance, and financial planning, for both retail customers and small and medium-sized businesses. The company is divided into three divisions: Alerus Retirement and Benefits, Alerus Mortgage, and Alerus Wealth Management. The Alerus Retirement and Benefits division specializes in helping employers develop and manage customized retirement plans for their employees. These retirement plans include 401k plans, employee stock plans, pension plans, and more. They also offer individual retirement solutions for employees and self-employed individuals. The Alerus Mortgage division specializes in residential mortgages and offers various options for home purchase, refinancing, and construction to retail customers. They also offer mortgages for second homes and investment properties. In the Alerus Wealth Management department, they offer financial planning, investment management, trust administration, and asset management. Their experts help customers define their financial goals and develop strategies to achieve them. The products offered by Alerus Financial Corp are diverse and range from credit cards to construction loans. They also offer online banking services, mobile banking, and an online payment system. Throughout the history of Alerus Financial Corp, they have overcome many challenges. In the 1980s, the bank experienced strong growth when it opened dozens of new branches in North Dakota and Minnesota. However, in the late 1990s, the bank faced serious financial difficulties and had to close some branches. In 2000, Alerus Financial Corp became a holding company for its banking operations. Since then, the company has experienced consistent growth in terms of opening new branches and expanding its services. Overall, Alerus Financial Corp is a company with an impressive history and a wide range of services for its customers. The various divisions of the company bring a broad spectrum of expertise and experience to the company, allowing them to support their customers on an individual level. Alerus Financial ist eines der beliebtesten Unternehmen auf Eulerpool.com.

Debt Details

Understanding Alerus Financial's Debt Structure

Alerus Financial's total debt refers to the cumulative financial obligations the company owes to external parties. This can include short-term and long-term borrowings, bonds, loans, and other financial instruments. Assessing the company's debt levels is crucial for evaluating its financial health, risk profile, and ability to fund operations and expansions.

Year-to-Year Comparison

Analyzing Alerus Financial's debt structure over the years provides insights into the firm’s financial strategy and stability. A reduction in debt can indicate financial strength and operational efficiency, while an increase may signal growth investments or potential financial challenges ahead.

Impact on Investments

Investors pay close attention to Alerus Financial’s debt levels as they can influence the company’s risk and return profiles. Excessive debt can lead to financial strain, while moderate and well-managed debt can be a catalyst for growth and expansion, making it a critical aspect of investment evaluations.

Interpreting Debt Fluctuations

Shifts in Alerus Financial’s debt levels can be attributed to various operational and strategic factors. An increase in debt might be geared towards funding expansion projects or enhancing operational capacity, while a decrease may indicate profit realizations or an approach to minimize financial risk and leverage.

Frequently Asked Questions about Alerus Financial stock

What is the debt of Alerus Financial this year?

Alerus Financial has a debt level of 173.13 USD this year.

What was the debt of Alerus Financial compared to the previous year?

The debt of Alerus Financial has increased by -18.3% compared to the previous year dropped.

What are the consequences of high debt for investors in Alerus Financial?

High debt can pose a risk for investors of Alerus Financial, as it can weaken the company's financial position and hinder its ability to fulfill its obligations.

What are the consequences of low debt for investors of Alerus Financial?

Low debt means that Alerus Financial has a strong financial position and is able to fulfill its obligations without overburdening its finances.

How does an increase in debt from Alerus Financial affect the company?

An increase in debt of Alerus Financial can adversely affect the financial condition of the company and result in a higher burden on its finances.

How does a reduction of debt of Alerus Financial affect the company?

A reduction in debt of Alerus Financial can strengthen the company's financial position and improve its ability to meet its financial obligations.

What are some factors that influence the debt of Alerus Financial?

Some factors that can influence the debt of Alerus Financial include investments, acquisitions, operating costs, and revenue development.

Why are the debts of Alerus Financial so important for investors?

The debts of Alerus Financial are important for investors as they serve as an indicator of the company's financial stability. It provides investors with information on how the company fulfills its financial obligations.

What strategic measures can Alerus Financial take to change the debt?

To change the debt, Alerus Financial can take measures such as cost savings, increasing revenue, selling assets, making investments, or forming partnerships. It is important for the company to conduct a thorough review of its financial situation to determine the best strategic actions to change its debt.

How much dividend does Alerus Financial pay?

Over the past 12 months, Alerus Financial paid a dividend of 0.75 USD . This corresponds to a dividend yield of about 3.28 %. For the coming 12 months, Alerus Financial is expected to pay a dividend of 0.81 USD.

What is the dividend yield of Alerus Financial?

The current dividend yield of Alerus Financial is 3.28 %.

When does Alerus Financial pay dividends?

Alerus Financial pays a quarterly dividend. This is distributed in the months of January, April, July, October.

How secure is the dividend of Alerus Financial?

Alerus Financial paid dividends every year for the past 11 years.

What is the dividend of Alerus Financial?

For the upcoming 12 months, dividends amounting to 0.81 USD are expected. This corresponds to a dividend yield of 3.54 %.

In which sector is Alerus Financial located?

Alerus Financial is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Alerus Financial kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Alerus Financial from 10/11/2024 amounting to 0.2 USD, you needed to have the stock in your portfolio before the ex-date on 9/13/2024.

When did Alerus Financial pay the last dividend?

The last dividend was paid out on 10/11/2024.

What was the dividend of Alerus Financial in the year 2023?

In the year 2023, Alerus Financial distributed 0.7 USD as dividends.

In which currency does Alerus Financial pay out the dividend?

The dividends of Alerus Financial are distributed in USD.