Alerus Financial

Alerus Financial ROA

The Return on Assets (ROA) of Alerus Financial (ALRS) as of Nov 10, 2026 is 0.33 %. In the previous year, Return on Assets (ROA) was 0.34 % — a change of -1.33% (lower).

ROA

0.33 %

YoY

-1.33%

Last updated:

In 2025, Alerus Financial's return on assets (ROA) was 0.33 %, a -1.33% increase from the 0.34 % ROA in the previous year.

The Alerus Financial ROA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROA
Date
ROA
Jan 1, 2018
1.19 USD
Jan 1, 2019
1.25 USD
Jan 1, 2020
1.48 USD
Jan 1, 2021
1.55 USD
Jan 1, 2022
1.06 USD
Jan 1, 2023
0.30 USD
Jan 1, 2024
0.34 USD
Jan 1, 2025
0.33 USD
The Alerus Financial ROA history
YEARROAYoY
0.33 %-1.33%
0.34 %+12.90%
0.30 %-71.72%
1.06 %-31.84%
1.55 %+4.75%
1.48 %+18.27%
1.25 %+5.59%
1.19 %+69.10%
0.70 %+2.55%
0.68 %-30.19%
0.98 %-29.77%
1.40 %—

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Alerus Financial Stock analysis

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 is one of the most popular companies on Eulerpool.

ROA Details

Understanding Alerus Financial's Return on Assets (ROA)

Alerus Financial's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing Alerus Financial's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider Alerus Financial's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in Alerus Financial’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about Alerus Financial stock

Return on Assets (ROA) of Alerus Financial is 0.33 % in 2025.

Return on Assets (ROA) of Alerus Financial changed from 0.34 % to 0.33 %, representing a -1.33% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) Alerus Financial since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s Alerus Financial with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

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Profitability — Alerus Financial

ROEROAROCEROICAsset TurnoverInventory TurnoverReceivables TurnoverDays Sales OutstandingDays Inventory OutstandingDays Payable OutstandingCash Conversion CycleCROICGross Profit/AssetsFixed Asset TurnoverEquity TurnoverWorking Capital TurnoverPayables TurnoverCapital IntensityReceivables/RevenueInventory/RevenueEBIT/Assets

All Key Metrics — Alerus Financial