ALRS:NSD-Alerus Financial Corporation (USD)

COMMON STOCK | Banks—Regional | NSD

Last Closing Price

USD 19.26

Change

+0.54 (+2.88)%

Market Cap

USD 0.32B

Volume

0.02M

Average Target Price

USD 21.00 (+9.03%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Alerus Financial Corporation, through its subsidiary Alerus Financial, National Association, provides various financial services to businesses and consumers in the United States. The company operates through four segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. It offers various deposit products and services, including demand deposits, checking, 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 lending products, such as 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; and installment loans and lines of credit. 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; and wealth management services, such as financial planning, investment management, personal and corporate trust services, estate administration, and custody services. Further, the company provides debit and credit cards, online banking, mobile banking/wallet, private banking, payroll accounts, flex spending accounts, administration, and government health insurance program services. 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. Address: 401 Demers Avenue, Grand Forks, ND, United States, 58201

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-09-28 )

Largest Industry Peers for Banks—Regional

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

+0.34 (+1.27%)

USD29.13B 6.16 N/A
FITBI Fifth Third Bancorp

-0.12 (-0.44%)

USD18.93B 7.42 N/A
FITB Fifth Third Bancorp

+0.87 (+4.25%)

USD14.58B 10.11 N/A
HBANO Huntington Bancshares Incorpor..

+0.06 (+0.23%)

USD13.33B 17.76 N/A
SIVB SVB Financial Group

+7.89 (+3.44%)

USD11.88B 13.12 N/A
HBAN Huntington Bancshares Incorpor..

+0.30 (+3.40%)

USD8.97B 10.97 N/A
PBCTP People's United Financial, Inc

+0.97 (+3.66%)

USD6.43B 18.20 N/A
CBSHP Commerce Bancshares, Inc

N/A

USD6.10B 6.98 N/A
CBSH Commerce Bancshares, Inc

+1.54 (+2.85%)

USD6.06B 20.27 N/A
ZION Zions Bancorporation, National..

+0.93 (+3.27%)

USD4.67B 11.33 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 -15.71% 88% B+ 41% F
Dividend Return 1.97% 57% F 64% D
Total Return -13.74% 88% B+ 42% F
Trailing 12 Months  
Capital Gain -11.65% 86% B 41% F
Dividend Return 2.75% 53% F 63% D
Total Return -8.90% 85% B 43% F
Trailing 5 Years  
Capital Gain -4.89% 48% F 43% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -4.89% 30% F 38% F
Average Annual (5 Year Horizon)  
Capital Gain 3.80% N/A N/A 50% F
Dividend Return 2.03% N/A N/A 53% F
Total Return 5.83% N/A N/A 51% F
Risk Return Profile  
Volatility (Standard Deviation) 18.66% N/A N/A 72% C-
Risk Adjusted Return 31.24% N/A N/A 55% F
Market Capitalization 0.32B 56% F 51% F
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%

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 9.91 45% F 69% D+
Price/Book Ratio 1.00 15% F 73% C
Price / Cash Flow Ratio 16.65 10% F 19% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 13.03% 90% A- 84% B
Return on Invested Capital 11.23% 83% B 82% B-
Return on Assets 1.24% 82% B- 62% D-
Debt to Equity Ratio 20.34% 53% F 64% D
Technical Ratios  
Short Ratio 10.23 15% F 12% F
Short Percent 1.76% 32% F 66% D
Beta 0.73 65% D 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 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 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.

Positive cash flow

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

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 earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

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

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Earnings Growth

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

Low Revenue Growth

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