ALRS Alerus Financial Corp
Price (delayed)
$18.56
Market cap
$470.28M
P/E Ratio
109.18
Dividend/share
$0.79
EPS
$0.17
Enterprise value
$717.69M
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
Highlights
Alerus Financial's debt has decreased by 49% QoQ and by 46% YoY
Alerus Financial's equity has increased by 11% YoY and by 3.6% from the previous quarter
The net income has dropped by 92% year-on-year and by 56% since the previous quarter
The EPS has dropped by 91% year-on-year and by 54% since the previous quarter
Key stats
What are the main financial stats of ALRS
Market
Valuations
Earnings
Shares outstanding
25.34M
Market cap
$470.28M
Enterprise value
$717.69M
Price to earnings (P/E)
109.18
Price to book (P/B)
0.95
Price to sales (P/S)
2.23
EV/EBIT
127.43
EV/EBITDA
57.3
EV/Sales
4.36
Revenue
$164.5M
Gross profit
$164.5M
Operating income
$5.63M
Net income
$3.09M
EBIT
$5.63M
EBITDA
$12.52M
Free cash flow
$11.85M
Per share
Balance sheet
Liquidity
EPS
$0.17
EPS diluted
$0.17
Free cash flow per share
$0.6
Book value per share
$19.54
Revenue per share
$8.31
TBVPS
$203.29
Total assets
$4.08B
Total liabilities
$3.7B
Debt
$313.38M
Equity
$386.49M
Working capital
N/A
Debt to equity
0.81
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
19.75
Margins
Efficiency
Dividend
EBITDA margin
7.6%
Gross margin
100%
Net margin
1.9%
Operating margin
3.4%
Return on assets
0.1%
Return on equity
0.8%
Return on invested capital
0.1%
Return on capital employed
N/A
Return on sales
3.4%
Dividend yield
4.26%
DPS
$0.79
Payout ratio
464.7%
ALRS stock price
How has the Alerus Financial stock price performed over time
Intraday
-1.22%
1 week
-5.5%
1 month
-15.33%
1 year
-15.64%
YTD
-3.53%
QTD
-3.53%
Financial performance
How have Alerus Financial's revenue and profit performed over time
Revenue
$164.5M
Gross profit
$164.5M
Operating income
$5.63M
Net income
$3.09M
Gross margin
100%
Net margin
1.9%
The net income has dropped by 92% year-on-year and by 56% since the previous quarter
Alerus Financial's net margin has shrunk by 90% YoY and by 56% QoQ
Alerus Financial's operating income has plunged by 88% YoY and by 46% from the previous quarter
The company's operating margin has shrunk by 86% YoY and by 46% QoQ
Growth
What is Alerus Financial's growth rate over time
Valuation
What is Alerus Financial stock price valuation
P/E
109.18
P/B
0.95
P/S
2.23
EV/EBIT
127.43
EV/EBITDA
57.3
EV/Sales
4.36
The EPS has dropped by 91% year-on-year and by 54% since the previous quarter
ALRS's price to earnings (P/E) is 63% higher than its last 4 quarters average of 67.1
ALRS's P/B is 21% below its 5-year quarterly average of 1.2 and 14% below its last 4 quarters average of 1.1
Alerus Financial's equity has increased by 11% YoY and by 3.6% from the previous quarter
ALRS's revenue is down by 17% year-on-year
ALRS's P/S is 14% below its last 4 quarters average of 2.6 but 6% above its 5-year quarterly average of 2.1
Efficiency
How efficient is Alerus Financial business performance
Alerus Financial's ROE has plunged by 92% YoY and by 58% from the previous quarter
Alerus Financial's return on invested capital has shrunk by 91% YoY and by 50% QoQ
Alerus Financial's ROA has plunged by 90% YoY and by 50% from the previous quarter
The return on sales has dropped by 86% year-on-year and by 46% since the previous quarter
Dividends
What is ALRS's dividend history
DPS
$0.79
Dividend yield
4.26%
Payout ratio
464.7%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Alerus Financial financials performed over time
ALRS's total assets is 10% greater than its total liabilities
The company's total liabilities fell by 7% QoQ but it rose by 5% YoY
ALRS's total assets is down by 6% since the previous quarter but it is up by 6% year-on-year
Alerus Financial's debt is 19% lower than its equity
The company's debt to equity has shrunk by 51% QoQ and by 51% YoY
Alerus Financial's debt has decreased by 49% QoQ and by 46% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.