ALRS Alerus Financial Corp
Price (delayed)
$16.72
Market cap
$424.07M
P/E Ratio
19.9
Dividend/share
$0.8
EPS
$0.84
Enterprise value
$679.85M
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
ALRS's price to earnings (P/E) is 68% lower than its last 4 quarters average of 63.3 and 10% lower than its 5-year quarterly average of 22.5
The net income has surged by 52% year-on-year
Key stats
What are the main financial stats of ALRS
Market
Valuations
Earnings
Shares outstanding
25.36M
Market cap
$424.07M
Enterprise value
$679.85M
Price to earnings (P/E)
19.9
Price to book (P/B)
0.86
Price to sales (P/S)
1.73
EV/EBIT
29.36
EV/EBITDA
17.87
EV/Sales
3.34
Revenue
$203.83M
Gross profit
$203.83M
Operating income
$23.16M
Net income
$17.78M
EBIT
$23.16M
EBITDA
$38.04M
Free cash flow
$24.05M
Per share
Balance sheet
Liquidity
EPS
$0.84
EPS diluted
$0.83
Free cash flow per share
$1.14
Book value per share
$19.55
Revenue per share
$9.68
TBVPS
$243.47
Total assets
$5.26B
Total liabilities
$4.77B
Debt
$317.02M
Equity
$495.41M
Working capital
N/A
Debt to equity
0.64
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.72
Margins
Efficiency
Dividend
EBITDA margin
18.7%
Gross margin
100%
Net margin
8.7%
Operating margin
11.4%
Return on assets
0.4%
Return on equity
4.4%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
11.4%
Dividend yield
4.78%
DPS
$0.8
Payout ratio
95.2%
ALRS stock price
How has the Alerus Financial stock price performed over time
Intraday
-1.65%
1 week
1.7%
1 month
-10.11%
1 year
-19.42%
YTD
-13.1%
QTD
-9.43%
Financial performance
How have Alerus Financial's revenue and profit performed over time
Revenue
$203.83M
Gross profit
$203.83M
Operating income
$23.16M
Net income
$17.78M
Gross margin
100%
Net margin
8.7%
The net income has surged by 52% year-on-year
Alerus Financial's operating income has increased by 46% YoY
Alerus Financial's gross profit has increased by 24% QoQ and by 23% YoY
ALRS's revenue is up by 24% since the previous quarter and by 23% year-on-year
Growth
What is Alerus Financial's growth rate over time
Valuation
What is Alerus Financial stock price valuation
P/E
19.9
P/B
0.86
P/S
1.73
EV/EBIT
29.36
EV/EBITDA
17.87
EV/Sales
3.34
ALRS's price to earnings (P/E) is 68% lower than its last 4 quarters average of 63.3 and 10% lower than its 5-year quarterly average of 22.5
The EPS rose by 42% year-on-year
Alerus Financial's equity has increased by 34% YoY and by 28% from the previous quarter
ALRS's P/B is 28% below its 5-year quarterly average of 1.2 and 21% below its last 4 quarters average of 1.1
ALRS's P/S is 27% below its last 4 quarters average of 2.4 and 16% below its 5-year quarterly average of 2.1
ALRS's revenue is up by 24% since the previous quarter and by 23% year-on-year
Efficiency
How efficient is Alerus Financial business performance
Alerus Financial's ROE has increased by 33% YoY
Alerus Financial's ROA has increased by 33% YoY
Alerus Financial's return on invested capital has increased by 25% YoY
The return on sales rose by 20% year-on-year
Dividends
What is ALRS's dividend history
DPS
$0.8
Dividend yield
4.78%
Payout ratio
95.2%
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
ALRS's total assets is up by 35% year-on-year and by 29% since the previous quarter
The company's total liabilities rose by 35% YoY and by 29% QoQ
Alerus Financial's debt is 36% lower than its equity
The company's debt to equity fell by 38% YoY and by 21% QoQ
Alerus Financial's equity has increased by 34% YoY and by 28% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.