ALRS:NSD-Alerus Financial Corporation (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 25.94

Change

+0.09 (+0.35)%

Market Cap

USD 0.45B

Volume

0.02M

Avg Analyst Target

USD 29.00 (+11.80%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

Alerus Financial Corporation (ALRS) Stock Analysis:
Based on the Alerus Financial Corporation stock forecasts from 1 analysts, the average analyst target price for Alerus Financial Corporation is USD 29.00 over the next 12 months. Alerus Financial Corporation’s average analyst rating is Hold . Stock Target Advisor’s own stock analysis of Alerus Financial Corporation is Bullish , which is based on 9 positive signals and 3 negative signals. At the last closing, Alerus Financial Corporation’s stock price was USD 25.94. Alerus Financial Corporation’s stock price has changed by -0.27% over the past week, -0.35% over the past month and -19.39% over the last year.

About

Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers. The company operates in four segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. It offe ...Read More

Company Website : https://www.alerus.com

Address : 401 Demers Avenue, Grand Forks, ND, United States, 58201

Employees : 779

Fiscal Year End : December

Currency: USD

Country : USA

Technical Indicators

Beta : 0.73

52 Week High : 37.89

Short Ratio : 10.36

52 Week Low : 24.17

Shorted Shares : 356,508

200 Day Moving Average : 29.11

Shorted Shares Previous Month : 339,974

50 Day Moving Average : 26.70

Shares Held By Insiders : 13.61%

Short Percentage : 2.55%

Shares Held by Institutions : 40.78%

Dividend Yield : 2.78%

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2022-05-24 )

Largest Industry Peers for Banks-Regional

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

N/A

 USD27.35B 27.10 N/A
SIVB SVB Financial Group

-20.02 (-4.47%)

 USD25.51B 13.34 N/A
FITB Fifth Third Bancorp

-0.20 (-0.54%)

 USD24.45B 10.23 N/A
HBAN Huntington Bancshares Incorpor..

-0.09 (-0.67%)

 USD18.74B 16.74 N/A
FITBI Fifth Third Bancorp

+0.57 (+2.36%)

 USD17.22B 7.07 N/A
HBANO Huntington Bancshares Incorpor..

N/A

 USD12.99B 21.91 N/A
SBNY Signature Bank

-6.86 (-3.47%)

 USD12.01B 11.16 N/A
FCNCA First Citizens BancShares Inc

-7.79 (-1.19%)

 USD10.16B 11.06 N/A
PBCT People's United Financial Inc

N/A

 USD8.37B 13.96 N/A
CBSH Commerce Bancshares Inc

-0.57 (-0.85%)

 USD7.91B 15.51 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 -11.41% 39% F 62% D-
Dividend Return 0.55% 18% F 34% F
Total Return -10.86% 38% F 62% D-
Trailing 12 Months  
Capital Gain -17.65% 12% F 53% F
Dividend Return 2.03% 24% F 45% F
Total Return -15.62% 12% F 54% F
Trailing 5 Years  
Capital Gain 37.25% 84% B 66% D
Dividend Return 14.34% 58% F 67% D+
Total Return 51.59% 85% B 68% D+
Average Annual (5 Year Horizon)  
Capital Gain 11.86% 81% B- 66% D
Dividend Return 2.48% 48% F 65% D
Total Return 14.34% 82% B- 67% D+
Risk Return Profile  
Volatility (Standard Deviation) 29.48% 56% F 55% F
Risk Adjusted Return 48.64% 84% B 77% C+
Market Capitalization 0.45B 54% F 58% 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 9.68 58% F 70% C-
Price/Book Ratio 1.31 21% F 60% D-
Price / Cash Flow Ratio 3.01 87% B+ 44% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 14.49% 83% B 78% C+
Return on Invested Capital 13.05% 92% A- 81% B-
Return on Assets 1.47% 83% B 64% D
Debt to Equity Ratio 16.40% 67% D+ 65% D
Technical Ratios  
Dividend Yield 2.78% 45% F 53% F
Short Ratio 10.36 4% F 9% F
Short Percent 2.55% 19% F 53% F
Beta 0.73 58% F 74% 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 Ratings

Target Price Action Rating Action Analyst Rating Price Date
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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

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.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than 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.

Positive cash flow

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

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:
Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to book value

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

Low Revenue Growth

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