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Alerus Financial stock price, quote, forecast and news

ALRS
US01446U1034
A0YG96

Price

22.31
Today +/-
+0.34
Today %
+1.72 %
P

Alerus Financial stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Alerus Financial stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Alerus Financial stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Alerus Financial stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Alerus Financial's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Alerus Financial Stock Price History

DateAlerus Financial Price
9/27/202422.31 undefined
9/26/202421.93 undefined
9/25/202421.82 undefined
9/24/202421.83 undefined
9/23/202421.81 undefined
9/20/202422.06 undefined
9/19/202422.83 undefined
9/18/202422.44 undefined
9/17/202421.94 undefined
9/16/202421.57 undefined
9/13/202421.52 undefined
9/12/202421.12 undefined
9/11/202421.04 undefined
9/10/202421.32 undefined
9/9/202421.32 undefined
9/6/202421.25 undefined
9/5/202421.44 undefined
9/4/202421.54 undefined
9/3/202422.26 undefined
8/30/202422.45 undefined

Alerus Financial Revenue, EBIT, Net Income

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  • Max

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
2026e297.43 M undefined98.1 M undefined53.47 M undefined
2025e277.18 M undefined93.55 M undefined48.06 M undefined
2024e216.06 M undefined53.19 M undefined30.47 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 Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
201620172018201920202021202220232024e2025e2026e
175178190207245240226245216277297
-1.716.748.9518.36-2.04-5.838.41-11.8428.247.22
-----------
00000000000
00000000539398
--------24.5433.5733.00
1415252843513911304853
-7.1466.6712.0053.5718.60-23.53-71.79172.7360.0010.42
-----------
-----------
17.117.117.11717.417.518.920.14000
-----------
Details

Keystats

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Revenue and Growth

The Alerus Financial Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Alerus Financial is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (k)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (M)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (M)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (M)
20162017201820192020202120222023
               
00000000
00000000
00000000
00000000
00000000
00000000
24.321.221.72927.222.122.723.38
500400100000014
00000000
37.531.827.122.227.922.125.119.21
27.327.327.327.330.231.547.146.78
19.59.210.17.99.411.642.434.6
109.189.986.386.494.787.3137.3123.98
109.189.986.386.494.787.3137.3123.98
               
13.513.713.817.117.117.22019.73
23.92627.788.790.292.9155.1150.34
132.8141159178.1212.2253.6280.4272.71
-30.9-32.6-38.11.910.6-4.3-98.6-73.66
00000000
139.3148.1162.4285.8330.1359.4356.9369.13
00000000
3732.730.54152.953.870.469.85
00000000
0.73093.5000153.1114.17
00000000
37.762.71244152.953.8223.5184.02
58.858.858.858.858.758.958.858.96
00000000
2931.534.50.10000
87.890.393.358.958.758.958.858.96
125.5153217.399.9111.6112.7282.3242.98
264.8301.1379.7385.7441.7472.1639.2612.1
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of Alerus Financial provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Alerus Financial's financial health and stability.

Assets

Alerus Financial's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Alerus Financial must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Alerus Financial after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Alerus Financial's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
20162017201820192020202120222023
1415252944524011
119889888
-3900-4200
121318-18-201195916
0020-48-31-4-9
7812181241572
1135713131210
34475319-2214910328
-1-2-3-2-3-1-1-3
-59-205-154-65-538-417-292-52
-57-202-151-62-534-416-290-48
00000000
-312963-9300377-63
-200060000-6
-337119149589337594
1843-43191600348-358180
000-8-10-10-12-14
-58-85-811032869-18471
32.34549.816.3-26.1148.1101.225.81
00000000

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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Gross margin
EBIT margin
Profit margin
Details

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 %32.98 %17.98 %
2025e0 %33.75 %17.34 %
2024e0 %24.62 %14.1 %
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 Stock Sales Revenue, EBIT, Earnings per Share

The Alerus Financial earnings per share therefore indicates how much revenue Alerus Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Alerus Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Alerus Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Alerus Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Alerus Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Alerus Financial Revenue, EBIT and net profit per share

DateAlerus Financial Sales per ShareAlerus Financial EBIT per shareAlerus Financial Earnings per Share
2026e15.04 undefined0 undefined2.7 undefined
2025e14.01 undefined0 undefined2.43 undefined
2024e10.92 undefined0 undefined1.54 undefined
202312.17 undefined0 undefined0.58 undefined
202212 undefined0 undefined2.1 undefined
202113.72 undefined0 undefined2.97 undefined
202014.11 undefined0 undefined2.52 undefined
201912.21 undefined0 undefined1.7 undefined
201811.13 undefined0 undefined1.51 undefined
201710.44 undefined0 undefined0.88 undefined
201610.23 undefined0 undefined0.82 undefined

Alerus Financial business model

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 is one of the most popular companies on Eulerpool.com.

Alerus Financial SWOT Analysis

Strengths

Alerus Financial Corp has several strengths that contribute to its success in the market. Firstly, it boasts a strong financial position with solid profitability and steady revenue growth. This stability provides a strong foundation for future growth and investment opportunities. Additionally, Alerus Financial Corp has a diverse portfolio of financial products and services, allowing it to cater to a wide range of customer needs. Its strong reputation for excellence and customer service further enhances its competitive advantage.

Weaknesses

Despite its strengths, Alerus Financial Corp faces certain weaknesses that need to be addressed. One significant weakness is its limited geographical presence which may hinder its ability to tap into emerging markets. Furthermore, the company heavily relies on traditional banking services, which puts it at a disadvantage compared to fintech startups that offer innovative digital solutions. Alerus Financial Corp also faces challenges in adapting to rapidly changing regulatory environments, potentially affecting its operations and profitability.

Opportunities

Alerus Financial Corp has several opportunities it can leverage to further expand its business. Firstly, it can explore potential mergers and acquisitions to gain access to new markets and customers. The growing demand for digital banking services presents an opportunity for the company to invest in technology and develop innovative digital solutions to enhance customer experience and improve operational efficiency. Additionally, expanding its product and service offerings to include wealth management and investment advisory services can open new revenue streams for Alerus Financial Corp.

Threats

Alerus Financial Corp operates in a highly competitive market where it faces various threats that can impact its business. One significant threat is the increasing competition from both traditional banks and fintech startups. These competitors are constantly innovating and offering new products and services, potentially attracting Alerus Financial Corp's customer base. Economic uncertainty and market volatility pose threats to the company's financial stability and profitability. Additionally, stringent regulations and compliance requirements pose challenges that can increase operational costs for Alerus Financial Corp.

Alerus Financial Eulerpool Fair Value

Details

Fair Value

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Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Alerus Financial historical P/E ratio, EBIT, and P/S ratio.

Alerus Financial shares outstanding

The number of shares was Alerus Financial in 2023 — This indicates how many shares 20.143 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Alerus Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Alerus Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Alerus Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Alerus Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Alerus Financial Stock splits

In Alerus Financial's history, there have been no stock splits.

Alerus Financial dividend history and estimates

In 2023, Alerus Financial paid a dividend amounting to 0.75 USD. Dividend means that Alerus Financial distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for Alerus Financial provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Alerus Financial’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Alerus Financial's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Alerus Financial Dividend History

DateAlerus Financial Dividend
2026e0.81 undefined
2025e0.81 undefined
2024e0.81 undefined
20230.75 undefined
20220.7 undefined
20210.63 undefined
20200.6 undefined
20190.57 undefined
20180.53 undefined
20170.48 undefined
20160.44 undefined

Alerus Financial dividend payout ratio

In 2023, Alerus Financial had a payout ratio of 26.12%. The payout ratio indicates the percentage of the company's profits that Alerus Financial distributes as dividends.

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Payout ratio
Details

Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Alerus Financial represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Alerus Financial could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Alerus Financial's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Alerus Financial Payout Ratio History

DateAlerus Financial Payout ratio
2026e27.26 %
2025e28.78 %
2024e26.89 %
202326.12 %
202233.33 %
202121.21 %
202023.81 %
201933.73 %
201834.87 %
201755.17 %
201653.66 %
Unfortunately, there are currently no price targets and forecasts available for Alerus Financial.

Alerus Financial latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20240.37 0.31  (-16.42 %)2024 Q2
3/31/20240.33 0.32  (-2.08 %)2024 Q1
12/31/20230.29 0.49  (67.98 %)2023 Q4
9/30/20230.36 0.45  (24.07 %)2023 Q3
6/30/20230.38 0.45  (17.1 %)2023 Q2
3/31/20230.38 0.4  (5.6 %)2023 Q1
12/31/20220.58 0.53  (-9 %)2022 Q4
9/30/20220.55 0.47  (-14.56 %)2022 Q3
6/30/20220.57 0.52  (-8.03 %)2022 Q2
3/31/20220.55 0.57  (3.54 %)2022 Q1
1
2

Eulerpool ESG Scorecard© for the Alerus Financial stock

Eulerpool World ESG Rating (EESG©)

41/ 100

🌱 Environment

2

👫 Social

51

🏛️ Governance

70

Environment

Scope 1 - Direct Emissions
—
Scope 2 - Indirect emissions from purchased energy
—
Scope 3 - Indirect emissions within the value chain
—
Total CO₂ emissions
—
CO₂ reduction strategy
✅
Coal energy
❌
Nuclear power
❌
Animal experiments
❌
Fur & Leather
—
Pesticides
—
Palm Oil
—
Tobacco
❌
Genetically modified organisms
❌
Climate concept
—
Sustainable forestry
—
Recycling regulations
❌
Environmentally friendly packaging
❌
Hazardous substances
❌
Fuel consumption and efficiency
❌
Water consumption and efficiency
❌

Social

Percentage of female employees66.428
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees85.43
White Management Share—
Adult content❌
Alcohol❌
Weapons—
Firearms
❌
Gambling❌
Military contracts❌
Human rights concept✅
Privacy concept—
Occupational health and safety✅
Catholic✅

Governance (Corporate Governance)

Environmental reporting❌
Stakeholder Engagement❌
Call Back Policies❌
Antitrust law❌

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Alerus Financial list of shareholders

%
Name
Stocks
Change
Date
6.71854 % BlackRock Institutional Trust Company, N.A.1,328,927114,60612/31/2023
5.82415 % Alerus Financial Corp ESOP1,152,01703/12/2024
4.54079 % The Vanguard Group, Inc.898,16936,96812/31/2023
3.55937 % Newman (Randy L.)704,0433,4643/12/2024
2.94753 % 1st & Main Growth Partners583,022012/31/2023
11.43056 % Alerus Financial, N.A.2,260,96512,02612/31/2023
1.91176 % Geode Capital Management, L.L.C.378,1477,49512/31/2023
1.67625 % State Street Global Advisors (US)331,5633,96112/31/2023
1.66940 % Columbia Threadneedle Investments (US)330,2083,92112/31/2023
1.30501 % Brown Advisory258,130-26,51712/31/2023
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Alerus Financial Executives and Management Board

Ms. Katie Lorenson42
Alerus Financial President, Chief Executive Officer, Director (since 2017)
Compensation 1.1 M
Ms. Karin Taylor55
Alerus Financial Executive Vice President, Chief Risk Officer
Compensation 597,019
Mr. Daniel Coughlin60
Alerus Financial Independent Chairman of the Board
Compensation 118,500
Mr. Galen Vetter72
Alerus Financial Independent Director
Compensation 95,000
Ms. Mary Zimmer60
Alerus Financial Independent Director
Compensation 89,000
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Alerus Financial Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
BlackRock Stock
BlackRock
SupplierCustomer0,650,610,700,760,670,83
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Most common questions regarding Alerus Financial

What values and corporate philosophy does Alerus Financial represent?

Alerus Financial Corp represents a set of core values and corporate philosophy that underpin its operations and service offerings. The company is committed to integrity, customer satisfaction, and fostering relationships built on trust and transparency. Alerus Financial Corp prioritizes delivering exceptional financial solutions tailored to meet the individual needs of their clients. With a customer-centric approach, they provide personalized advice, innovative products, and reliable support. As a reputable financial institution, Alerus Financial Corp strives to empower individuals, businesses, and communities to achieve their financial goals. Through responsible financial management and a dedication to excellence, Alerus Financial Corp continues to thrive in the industry.

In which countries and regions is Alerus Financial primarily present?

Alerus Financial Corp is primarily present in the United States.

What significant milestones has the company Alerus Financial achieved?

Alerus Financial Corp has achieved several significant milestones since its inception. Over the years, the company has successfully expanded its operations and acquired other financial institutions, establishing a strong presence in the banking industry. It has consistently demonstrated financial strength and stability, attracting a growing base of loyal customers. Alerus Financial Corp has also received recognition for its exceptional customer service and innovation in offering comprehensive banking solutions. By focusing on building trust and delivering value, this company continues to make significant strides in the financial sector, solidifying its position as a leading player in the industry.

What is the history and background of the company Alerus Financial?

Alerus Financial Corp, a reputable financial institution, has a rich history and background that spans several decades. Established in 1933, the company has been serving its clients with exceptional financial services. Initially founded as the Alerus State Bank, it has evolved and expanded its offerings over time. Alerus Financial Corp has consistently upheld its core values of integrity, client-centric approach, and community involvement. With a strong focus on customer satisfaction, they provide a wide range of financial services, including banking, wealth management, mortgage, and retirement planning solutions. Alerus Financial Corp has established itself as a trusted name in the industry, committed to helping individuals and businesses achieve their financial goals.

Who are the main competitors of Alerus Financial in the market?

The main competitors of Alerus Financial Corp in the market include prominent financial institutions such as U.S. Bancorp, Wells Fargo & Company, and Bank of America Corporation. These established players compete with Alerus Financial Corp in various segments of the financial industry, including retail banking, commercial banking, wealth management, and mortgage services. As Alerus Financial Corp aims to maintain its competitive edge, it continually strives to deliver innovative financial solutions, exceptional customer service, and customized strategies to meet the evolving needs of its clientele.

In which industries is Alerus Financial primarily active?

Alerus Financial Corp is primarily active in the financial services industry. It offers a comprehensive range of banking, wealth management, and mortgage services to individuals and businesses. With a strong focus on customer satisfaction, Alerus Financial Corp has established itself as a reliable and trusted financial partner. Through its innovative solutions and strategic partnerships, the company continues to drive growth and provide exceptional financial solutions to its clients.

What is the business model of Alerus Financial?

The business model of Alerus Financial Corp is centered around serving the financial needs of individuals, businesses, and communities. As a diversified financial services company, Alerus offers a range of products and services including banking, mortgage, retirement, wealth management, and employee benefits solutions. Alerus focuses on providing personalized and tailored solutions to its customers, delivering exceptional value and building long-term relationships. With its strong commitment to customer service and expertise in the financial industry, Alerus Financial Corp strives to empower individuals and businesses to achieve their financial goals.

What is the P/E ratio of Alerus Financial 2024?

The Alerus Financial P/E ratio is 14.75.

What is the P/S ratio of Alerus Financial 2024?

The Alerus Financial P/S ratio is 2.08.

What is the AlleAktien quality score of Alerus Financial?

The AlleAktien quality score for Alerus Financial is 1/10.

What is the revenue of Alerus Financial 2024?

The expected Alerus Financial revenue is 216.06 M USD.

How high is the profit of Alerus Financial 2024?

The expected Alerus Financial profit is 30.47 M USD.

What is the business model of Alerus Financial

Alerus Financial Corp is a diversified financial services group that offers a wide range of products and services. Founded in 1933, the company has become a leading provider of retail and institutional financial services. Alerus Financial Corp consists of several segments, including wealth management, banking, and mortgage lending. Each segment offers specialized financial services to meet the varying needs of its customers. The wealth management section provides individual investment advisory and management, trust and estate planning, wealth transfer, and financial planning services. The customers of the wealth management section receive highly qualified advice and extensive support in building and preserving wealth. The banking segment offers comprehensive banking services, including deposit and investment products, credit cards, loans, online banking, and cash management services. Customers have access to advanced technology and experienced staff. Alerus' mortgage lending segment offers customized mortgage and refinancing solutions to meet the needs of its customers. The company offers both conventional and government-backed mortgages and has a wide network of lenders and investors. Alerus also offers a variety of products and services that cover all of its customers' financial needs. These include investment products such as stocks, bonds, mutual funds, and annuities, as well as insurance products such as life insurance, health insurance, and property insurance. Alerus strives to provide its customers with the highest level of quality, service, and value. The company places great emphasis on individual customer care and ensures that they have access to knowledgeable financial advisors at all times. Alerus' business model is focused on long-term relationships with its customers. The company aims to gain and maintain the trust and satisfaction of its customers through personalized and professional care. At the core of Alerus' business model is a commitment to responsible and sustainable corporate governance. The company is dedicated to ethical principles, social responsibility, and environmental sustainability to protect the interests of its customers and community. Overall, Alerus Financial Corp offers a wide range of financial services to meet the diverse needs of its customers. With a balanced portfolio of business areas, a strong customer base, and a clear strategic direction, the company is well positioned to continue to be successful in the future.

What is the Alerus Financial dividend?

Alerus Financial pays a dividend of 0.7 USD distributed over payouts per year.

How often does Alerus Financial pay dividends?

The dividend cannot currently be calculated for Alerus Financial or the company does not pay out a dividend.

What is the Alerus Financial ISIN?

The ISIN of Alerus Financial is US01446U1034.

What is the Alerus Financial WKN?

The WKN of Alerus Financial is A0YG96.

What is the Alerus Financial ticker?

The ticker of Alerus Financial is ALRS.

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 3.36 %. 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 3.36 %.

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 3.63 %.

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.

All fundamentals about 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.