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Alerus Financial - Stock

Alerus Financial Net Income 2024

Alerus Financial Net Income

28.77 M USD

Ticker

ALRS

ISIN

US01446U1034

WKN

A0YG96

In 2024, Alerus Financial's profit amounted to 28.77 M USD, a 145.91% increase from the 11.7 M USD profit recorded in the previous year.

The Alerus Financial Net Income history

YEARNET INCOME (undefined USD)
2026e51.45
2025e46.24
2024e28.77
202311.7
202239.6
202151.9
202043.9
201928.9
201825.9
201715
201614

Alerus Financial Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Alerus Financial, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Alerus Financial from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Alerus Financial’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Alerus Financial. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Alerus Financial’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Alerus Financial’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Alerus Financial’s growth potential.

Alerus Financial Revenue, EBIT and net profit per share

DateAlerus Financial RevenueAlerus Financial EBITAlerus Financial Net Income
2026e287.75 M undefined75.51 M undefined51.45 M undefined
2025e274.12 M undefined53.7 M undefined46.24 M undefined
2024e210.61 M undefined45.63 M undefined28.77 M undefined
2023245.11 M undefined0 undefined11.7 M undefined
2022226.8 M undefined0 undefined39.6 M undefined
2021240.1 M undefined0 undefined51.9 M undefined
2020245.5 M undefined0 undefined43.9 M undefined
2019207.5 M undefined0 undefined28.9 M undefined
2018190.4 M undefined0 undefined25.9 M undefined
2017178.6 M undefined0 undefined15 M undefined
2016175 M undefined0 undefined14 M undefined

Alerus Financial stock margins

The Alerus Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Alerus Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Alerus Financial.

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EBIT margin
Profit margin
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Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Alerus Financial's sales revenue. A higher gross margin percentage indicates that the Alerus Financial retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Alerus Financial's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Alerus Financial's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Alerus Financial's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Alerus Financial. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Alerus Financial's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Alerus Financial Margin History

Alerus Financial Gross marginAlerus Financial Profit marginAlerus Financial EBIT marginAlerus Financial Profit margin
2026e0 %26.24 %17.88 %
2025e0 %19.59 %16.87 %
2024e0 %21.66 %13.66 %
20230 %0 %4.77 %
20220 %0 %17.46 %
20210 %0 %21.62 %
20200 %0 %17.88 %
20190 %0 %13.93 %
20180 %0 %13.6 %
20170 %0 %8.4 %
20160 %0 %8 %

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.

Net Income Details

Understanding Alerus Financial's Profit Margins

The profit margins of Alerus Financial represent the net income earned after deducting all operational expenses, costs, and taxes from the revenue. This figure is a clear indicator of Alerus Financial's financial health, operational efficiency, and profitability. Higher profit margins signify better cost management and income generation capabilities.

Year-to-Year Comparison

Evaluating Alerus Financial's profit on a yearly basis can offer significant insights into its financial growth, stability, and trends. A consistent increase in profit suggests improved operational efficiency, cost management, or increased revenue, while a decrease may indicate rising costs, declining sales, or operational challenges.

Impact on Investments

Alerus Financial's profit figures are critical for investors who are aiming to understand the company's financial standing and future growth prospects. Increased profits often lead to higher stock valuations, boosting investor confidence and attracting more investments.

Interpreting Profit Fluctuations

When Alerus Financial’s profit increases, it often indicates enhanced operational efficiency or increased sales. In contrast, a decline in profit can signal operational inefficiencies, increased costs, or competitive pressures, necessitating strategic interventions to boost profitability.

Frequently Asked Questions about Alerus Financial Stock

How much profit has Alerus Financial made this year?

Alerus Financial has made 28.77 M USD this year.

How has the profit developed compared to last year?

The profit has increased by 145.91% compared to last year increased

What impact do the earnings have on the shareholders?

An increase in earnings is usually seen as a positive indicator for shareholders as it means that the company is generating profits.

How does Alerus Financial publish its earnings?

Alerus Financial publishes its earnings in the form of quarterly or annual reports.

Which financial indicators are included in the quarterly or annual reports?

The quarterly or annual reports contain information about sales and profit, cash flow, balance sheet, and other fundamentals.

Why is it important for investors to know the earnings of Alerus Financial?

The profits of Alerus Financial are an important indicator of the financial health of the company and can help investors decide whether they want to invest in the company or not.

How can one learn more about the earnings of Alerus Financial?

You can learn more about the earnings of Alerus Financial by reviewing the quarterly or annual reports or following the company presentations.

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 3.82 %. 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 3.82 %.

When does Alerus Financial pay dividends?

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

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 4.13 %.

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 7/15/2024 amounting to 0.2 USD, you needed to have the stock in your portfolio before the ex-date on 6/14/2024.

When did Alerus Financial pay the last dividend?

The last dividend was paid out on 7/15/2024.

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.

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Andere Kennzahlen von Alerus Financial

Our stock analysis for Alerus Financial Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Alerus Financial Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.