ALRS:NSD-Alerus Financial Corporation (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 30.12

Change

+0.62 (+2.10)%

Market Cap

USD 0.51B

Volume

8.95K

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers. The company operates through four segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. It offers various deposit products, including demand deposits, checking accounts, interest-bearing transaction accounts, money market accounts, time and savings deposits, and certificates of deposit; and treasury management products, including electronic receivables management, remote deposit capture, cash vault services, merchant services, and other cash management services. The company also provides commercial loans, business term loans, lines of credit, and commercial real estate loans, as well as construction and land development loans; consumer lending products, including residential first mortgage loans; installment loans and lines of credit; and second mortgage loans. In addition, it offers retirement plan administration and investment advisory services, employee stock ownership plan, fiduciary services, payroll, health savings accounts, and other benefit services, as well as individual retirement accounts; and financial planning, investment management, personal and corporate trust, estate administration, and custody services. Further, the company provides debit and credit cards, online banking, mobile banking/wallet, payment, private banking, payroll accounts, flex spending accounts, administration, and government health insurance program services. It offers banking services through fourteen offices in North Dakota, Minnesota, and Arizona; and retirement and benefit plans in 50 states through offices located in Michigan, Minnesota, and Colorado. The company was formerly known as First National Bank North Dakota and changed its name to Alerus Financial Corporation in 2000. Alerus Financial Corporation was founded in 1879 and is headquartered in Grand Forks, North Dakota.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-04-21 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

+0.22 (+0.85%)

USD28.17B 37.45 N/A
SIVB SVB Financial Group

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USD27.40B 22.20 N/A
FITB Fifth Third Bancorp

+0.92 (+2.52%)

USD26.91B 20.69 N/A
FITBI Fifth Third Bancorp

+0.03 (+0.11%)

USD19.92B 15.56 N/A
HBAN Huntington Bancshares Incorpor..

+0.33 (+2.18%)

USD15.51B 21.99 N/A
HBANO Huntington Bancshares Incorpor..

+0.02 (+0.08%)

USD13.19B 36.80 N/A
SBNY Signature Bank

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CBSH Commerce Bancshares, Inc

+1.67 (+2.24%)

USD8.72B 20.67 N/A
ZION Zions Bancorporation, National..

+1.30 (+2.48%)

USD8.57B 17.33 N/A
FCNCA First Citizens BancShares, Inc

+20.87 (+2.51%)

USD8.05B 17.48 N/A

ETFs Containing ALRS

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 10.05% 23% F 55% F
Dividend Return 0.55% 21% F 40% F
Total Return 10.60% 23% F 56% F
Trailing 12 Months  
Capital Gain 86.16% 74% C 65% D
Dividend Return 3.71% 42% F 58% F
Total Return 89.86% 76% C 66% D
Trailing 5 Years  
Capital Gain 56.59% 63% D 55% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 56.59% 53% F 51% F
Average Annual (5 Year Horizon)  
Capital Gain 9.45% 88% B+ 56% F
Dividend Return 2.39% 55% F 62% D-
Total Return 11.83% 89% B+ 59% F
Risk Return Profile  
Volatility (Standard Deviation) 23.63% 55% F 68% D+
Risk Adjusted Return 50.08% 92% A- 71% C-
Market Capitalization 0.51B 57% F 52% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 11.71 72% C- 71% C-
Price/Book Ratio 1.62 14% F 71% C-
Price / Cash Flow Ratio -23.01 97% A+ 85% B
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 14.51% 90% A- 85% B
Return on Invested Capital 12.19% 92% A- 84% B
Return on Assets 1.66% 93% A 66% D
Debt to Equity Ratio 17.79% 63% D 63% D
Technical Ratios  
Short Ratio 3.51 43% F 33% F
Short Percent 1.31% 55% F 76% C
Beta 0.84 65% D 71% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.