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Alerus Financial Corporation ALRS

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33.81 USD -0.04 (-0.12%)

At closeNov 6, 2026, 4:01 PM EST

33.81 0.00 0.00%

After hours · Nov 6, 4:01 PM ET

33.17 Day range 34.09
21.01 52-week range 34.83
YTD
+50.13%
1 year
+60.62%

Financial health

Altman Z-Score

0.22 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C+2 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 1
  • P/B 2

Valuation

P/E 32.6×
FY 2016: 16.3×FY 2017: 18.6×FY 2018: 10.2×FY 2019: 11.7×FY 2020: 10.6×FY 2021: 9.7×FY 2022: 11.0×FY 2023: 37.9×FY 2024: 22.9×FY 2025: 32.6×
FY 2016 5y median 22.9× FY 2025
P/S 1.7×
FY 2016: 1.3×FY 2017: 1.6×FY 2018: 1.4×FY 2019: 1.6×FY 2020: 2.0×FY 2021: 2.1×FY 2022: 1.9×FY 2023: 1.8×FY 2024: 1.2×FY 2025: 1.7×
FY 2016 5y median 1.8× FY 2025
P/B 1.0×
FY 2016: 1.4×FY 2017: 1.5×FY 2018: 1.3×FY 2019: 1.2×FY 2020: 1.4×FY 2021: 1.4×FY 2022: 1.2×FY 2023: 1.2×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.2× FY 2025
P/FCF 9.7×
FY 2016: 7.1×FY 2017: 6.2×FY 2018: 5.3×FY 2019: 20.6×FY 2020: -18.0×FY 2021: 3.4×FY 2022: 4.3×FY 2023: 17.3×FY 2024: 24.4×FY 2025: 9.7×
FY 2016 5y median 9.7× FY 2025
EV/EBITDA 23.7×
FY 2016: 2.5×FY 2017: 5.8×FY 2018: 9.0×FY 2019: 5.5×FY 2020: 5.4×FY 2021: 4.2×FY 2022: 13.6×FY 2023: 28.5×FY 2024: 17.4×FY 2025: 23.7×
FY 2016 5y median 17.4× FY 2025
EV/Sales 2.9×
FY 2016: 0.5×FY 2017: 1.4×FY 2018: 2.0×FY 2019: 1.3×FY 2020: 1.5×FY 2021: 1.4×FY 2022: 3.7×FY 2023: 2.9×FY 2024: 2.0×FY 2025: 2.9×
FY 2016 5y median 2.9× FY 2025
FCF Yield 10.3%
FY 2016: 14.1%FY 2017: 16.1%FY 2018: 18.8%FY 2019: 4.9%FY 2020: -5.6%FY 2021: 29.4%FY 2022: 23.2%FY 2023: 5.8%FY 2024: 4.1%FY 2025: 10.3%
FY 2016 5y median 10.3% FY 2025

Profitability

Gross Margin 67.2%
FY 2016: 94.2%FY 2017: 93.6%FY 2018: 88.8%FY 2019: 87.3%FY 2020: 90.3%FY 2021: 99.1%FY 2022: 93.0%FY 2023: 67.5%FY 2024: 60.8%FY 2025: 67.2%
FY 2016 5y median 67.5% FY 2025
Operating Margin 6.9%
FY 2016: 12.3%FY 2017: 18.4%FY 2018: 17.5%FY 2019: 19.0%FY 2020: 24.4%FY 2021: 29.3%FY 2022: 23.2%FY 2023: 6.5%FY 2024: 6.8%FY 2025: 6.9%
FY 2016 5y median 6.9% FY 2025
Net Margin 5.3%
FY 2016: 8.1%FY 2017: 8.5%FY 2018: 13.7%FY 2019: 14.4%FY 2020: 18.6%FY 2021: 22.3%FY 2022: 17.8%FY 2023: 4.8%FY 2024: 5.3%FY 2025: 5.3%
FY 2016 5y median 5.3% FY 2025
ROE 3.1%
FY 2016: 8.3%FY 2017: 8.3%FY 2018: 13.1%FY 2019: 10.3%FY 2020: 13.5%FY 2021: 14.7%FY 2022: 11.2%FY 2023: 3.2%FY 2024: 3.6%FY 2025: 3.1%
FY 2016 5y median 3.6% FY 2025
ROIC 5.1%
FY 2016: 6.1%FY 2017: 5.6%FY 2018: 6.9%FY 2019: 8.4%FY 2020: 11.3%FY 2021: 12.5%FY 2022: 5.0%FY 2023: 1.4%FY 2024: 2.0%FY 2025: 5.1%
FY 2016 5y median 5.0% FY 2025
ROA 0.3%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 1.2%FY 2019: 1.3%FY 2020: 1.5%FY 2021: 1.6%FY 2022: 1.1%FY 2023: 0.3%FY 2024: 0.3%FY 2025: 0.3%
FY 2016 5y median 0.3% FY 2025

Growth (YoY)

Revenue -3.1%
FY 2016: 23.1%FY 2017: 2.2%FY 2018: 6.7%FY 2019: 8.7%FY 2020: 17.2%FY 2021: -1.7%FY 2022: -4.8%FY 2023: 8.3%FY 2024: 39.1%FY 2025: -3.1%
FY 2016 FY 2025
Operating Income -2.4%
FY 2016: -11.0%FY 2017: 53.5%FY 2018: 1.6%FY 2019: 17.7%FY 2020: 50.4%FY 2021: 18.0%FY 2022: -24.5%FY 2023: -69.6%FY 2024: 46.1%FY 2025: -2.4%
FY 2016 FY 2025
EPS (diluted) -18.1%
FY 2016: -17.4%FY 2017: 7.0%FY 2018: 72.0%FY 2019: 3.8%FY 2020: 31.9%FY 2021: 17.9%FY 2022: -29.3%FY 2023: -72.4%FY 2024: 43.1%FY 2025: -18.1%
FY 2016 FY 2025
Free Cash Flow 254.6%
FY 2016: 57.9%FY 2017: 39.1%FY 2018: 10.8%FY 2019: -67.2%FY 2020: -259.4%FY 2021: 668.3%FY 2022: -31.7%FY 2023: -74.6%FY 2024: -35.5%FY 2025: 254.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.3×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.8×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 0.8×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA 9.4×
FY 2016: -4.5×FY 2017: -0.8×FY 2018: 2.7×FY 2019: -1.6×FY 2020: -1.6×FY 2021: -2.3×FY 2022: 6.4×FY 2023: 10.2×FY 2024: 6.7×FY 2025: 9.4×
FY 2016 5y median 6.7× FY 2025
Interest Coverage 0.2×
FY 2016: 3.0×FY 2017: 4.1×FY 2018: 2.6×FY 2019: 2.1×FY 2020: 4.8×FY 2021: 12.4×FY 2022: 3.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 3.6%
FY 2016: 2.7%FY 2017: 2.4%FY 2018: 2.8%FY 2019: 2.6%FY 2020: 2.2%FY 2021: 2.1%FY 2022: 2.9%FY 2023: 3.3%FY 2024: 3.8%FY 2025: 3.6%
FY 2016 5y median 3.3% FY 2025
Payout Ratio 119.4%
FY 2016: 44.1%FY 2017: 44.9%FY 2018: 28.8%FY 2019: 30.2%FY 2020: 23.3%FY 2021: 20.4%FY 2022: 32.0%FY 2023: 126.7%FY 2024: 86.9%FY 2025: 119.4%
FY 2016 5y median 86.9% FY 2025

Annual · latest fiscal year ends 2025-12-31