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Alerus Financial Corporation(ALRS)Earnings, Financials & Key Ratios
ALRS•NASDAQ•Banking & Credit
44.6× P/E·Price updated Jun 13, 2026
AboutAlerus 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 offers various deposit products, including demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, checking accounts, 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.Show more
- Net Interest Income$172M+61.1%
- Total Revenue$328M-3.1%
- Net Income$17M-1.9%
- Return on Equity3.29%-20.0%
- Net Interest Margin3.3%+62.1%
- Efficiency Ratio60.26%+11.7%
- ROA0.33%-14.3%
- Equity / Assets10.8%+14.7%
- Book Value per Share21.98-5.4%
- Tangible BV/Share17.35+3.4%
- Debt/Equity0.78+21.9%
ALRS Key Insights
Alerus Financial Corporation (ALRS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Dividend Aristocrat: 33 years of consecutive increases
- ✓Momentum leader: RS Rating 81 (top 19%)
- ✓Well capitalized: 10.8% equity/assets
- ✓Healthy dividend yield of 2.7%
- ✓Trading near 52-week high
- ✓Trading at only 1.4x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 3.5%
- ✗Profits declining 17.2% over 5 years
- ✗Dividend payout exceeds 100% of earnings
- ✗Shares diluted 20.5% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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ALRS Price & Volume
Alerus Financial Corporation (ALRS) stock price & volume — 10-year historical chart
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ALRS Growth Metrics
Alerus Financial Corporation (ALRS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.87%
5 Years6.46%
3 Years13.44%
TTM-
Profit CAGR
10 Years0.19%
5 Years-17.15%
3 Years-24.18%
TTM9.86%
EPS CAGR
10 Years-5.6%
5 Years-23.05%
3 Years-31.33%
TTM-13.93%
Return on Capital
10 Years10.09%
5 Years7.51%
3 Years2.77%
Last Year0.81%
ALRS Recent Earnings
Alerus Financial Corporation (ALRS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 29, 2026EPS
$0.89
Est $0.58
+53.4%
Revenue
$76M
Est $74M
+2.7%
Q1 2026
Jan 28, 2026EPS
$0.85
Est $0.57
+49.1%
Revenue
$78M
Est $71M
+9.0%
Q4 2025
Oct 30, 2025EPS
$0.66
Est $0.59
+11.9%
Revenue
$72M
Est $71M
+0.2%
Q3 2025
Jul 28, 2025EPS
$0.72
Est $0.56
+28.6%
Revenue
$74M
Est $71M
+4.1%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.89vs $0.58+53.4% | $76Mvs $74M+2.7% |
| Q1 2026 | Jan 28, 2026 | $0.85vs $0.57+49.1% | $78Mvs $71M+9.0% |
| Q4 2025 | Oct 30, 2025 | $0.66vs $0.59+11.9% | $72Mvs $71M+0.2% |
| Q3 2025 | Jul 28, 2025 | $0.72vs $0.56+28.6% | $74Mvs $71M+4.1% |
Based on last 12 quarters of dataView full earnings history →
ALRS Peer Comparison
Alerus Financial Corporation (ALRS) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.52B | 48.18 | 14.47 | 10.36% | 18.76% | 9.51% | 0.17 | |
 FFIN | 4.83B | 33.65 | 19.01 | 11.71% | 30.71% | 14.16% | 0.01 | |
 BANF | 3.94B | 116.27 | 16.33 | -9.29% | 29.19% | 13.68% | 0.07 | |
 OTTR | 3.76B | 89.59 | 13.68 | -1.99% | 21.34% | 15.21% | 0.59 | |
 WSFS | 3.97B | 75.24 | 14.78 | -3.05% | 21.14% | 10.65% | 0.11 | |
 TRMK | 2.7B | 45.90 | 12.41 | 34.75% | 19.32% | 10.77% | 0.53 | |
 FULT | 4.5B | 23.36 | 11.23 | 5.03% | 20.7% | 11.6% | 0.37 | |
 IBCP | 730.38M | 35.48 | 10.85 | -0.3% | 22.12% | 14.2% | 0.23 |
Compare ALRS vs Peers
Alerus Financial Corporation (ALRS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ALRS Income Statement
Alerus Financial Corporation (ALRS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 67.67M | 75.22M | 74.55M | 83.85M | 87.1M | 99.73M | 87.84M | 107.05M | 172.5M | 176.25M |
NII Growth % | 7.52% | 11.16% | -0.89% | 12.47% | 3.88% | 14.5% | -11.92% | 21.87% | 61.15% | 197.77% |
Net Interest Margin % | 3.17% | 3.45% | 3.16% | 2.78% | 2.57% | 2.64% | 2.25% | 2.03% | 3.3% | 3.33% |
Interest Income | 75.64M | 87.7M | 93.3M | 96.1M | 92.66M | 115.58M | 164.88M | 221.58M | 279.64M | 278.43M |
Interest Expense | 7.97M | 12.48M | 18.75M | 12.26M | 5.56M | 15.85M | 77.04M | 114.53M | 107.14M | 102.18M |
Loan Loss Provision | 3.28M | 8.61M | 7.31M | 10.9M | -3.5M | 0 | 2.06M | 18.14M | 556K | -5.19M |
Non-Interest Income | 100.81M | 100.6M | 111.34M | 143.66M | 143.14M | 109.01M | 78.38M | 116.71M | 48.22M | 51.97M |
Non-Interest Income % | 57.13% | 53.42% | 54.41% | 59.92% | 60.7% | 48.54% | 32.22% | 34.5% | 14.71% | 15.73% |
Total Revenue | 176.45M▲ 0% | 188.3M▲ 6.7% | 204.64M▲ 8.7% | 239.77M▲ 17.2% | 235.79M▼ 1.7% | 224.58M▼ 4.8% | 243.26M▲ 8.3% | 338.29M▲ 39.1% | 327.86M▼ 3.1% | 330.4M▲ 0% |
Revenue Growth % | 2.23% | 6.72% | 8.68% | 17.16% | -1.66% | -4.75% | 8.32% | 39.06% | -3.08% | -13.28% |
Non-Interest Expense | 132.69M | 134.17M | 139.68M | 158.09M | 164.66M | 156.55M | 148.31M | 182.45M | 197.57M | 198.13M |
Efficiency Ratio | 75.2% | 71.26% | 68.26% | 65.94% | 69.83% | 69.71% | 60.97% | 53.93% | 60.26% | 59.97% |
Operating Income | 32.52M▲ 0% | 33.04M▲ 1.6% | 38.9M▲ 17.7% | 58.52M▲ 50.4% | 69.08M▲ 18.0% | 52.18M▼ 24.5% | 15.85M▼ 69.6% | 23.16M▲ 46.1% | 22.59M▼ 2.4% | 35.28M▲ 0% |
Operating Margin % | 18.43% | 17.55% | 19.01% | 24.41% | 29.3% | 23.23% | 6.52% | 6.85% | 6.89% | 10.68% |
Operating Income Growth % | 53.54% | 1.61% | 17.73% | 50.45% | 18.04% | -24.46% | -69.62% | 46.08% | -2.45% | - |
Pretax Income | 32.52M▲ 0% | 33.04M▲ 1.6% | 38.9M▲ 17.7% | 58.52M▲ 50.4% | 69.08M▲ 18.0% | 52.18M▼ 24.5% | 15.85M▼ 69.6% | 23.16M▲ 46.1% | 22.59M▼ 2.4% | 35.28M▲ 0% |
Pretax Margin % | 18.43% | 17.55% | 19.01% | 24.41% | 29.3% | 23.23% | 6.52% | 6.85% | 6.89% | 10.68% |
Income Tax | 17.48M | 7.17M | 9.36M | 13.84M | 16.4M | 12.18M | 4.16M | 5.38M | 5.15M | 8.19M |
Effective Tax Rate % | 53.78% | 21.71% | 24.05% | 23.66% | 23.74% | 23.34% | 26.23% | 23.23% | 22.81% | 23.2% |
Net Income | 15M▲ 0% | 25.87M▲ 72.4% | 29.54M▲ 14.2% | 44.67M▲ 51.2% | 52.68M▲ 17.9% | 40.01M▼ 24.1% | 11.7M▼ 70.8% | 17.78M▲ 52.0% | 17.44M▼ 1.9% | 27.1M▲ 0% |
Net Margin % | 8.5% | 13.74% | 14.44% | 18.63% | 22.34% | 17.81% | 4.81% | 5.26% | 5.32% | 8.2% |
Net Income Growth % | 6.88% | 72.43% | 14.2% | 51.24% | 17.92% | -24.06% | -70.76% | 52.02% | -1.92% | 9.86% |
Net Income (Continuing) | 15M | 25.87M | 29.54M | 44.67M | 52.68M | 40.01M | 11.7M | 17.78M | 17.44M | 27.1M |
EPS (Diluted) | 1.07▲ 0% | 1.84▲ 72.0% | 1.91▲ 3.8% | 2.52▲ 31.9% | 2.97▲ 17.9% | 2.10▼ 29.3% | 0.58▼ 72.4% | 0.83▲ 43.1% | 0.68▼ 18.1% | 1.07▲ 0% |
EPS Growth % | 7% | 71.96% | 3.8% | 31.94% | 17.86% | -29.29% | -72.38% | 43.1% | -18.07% | -13.93% |
EPS (Basic) | 1.10 | 1.88 | 1.96 | 2.57 | 3.02 | 2.12 | 0.59 | 0.84 | 0.69 | - |
Diluted Shares Outstanding | 14.01M | 14.06M | 15.09M | 17.44M | 17.49M | 18.88M | 20.14M | 21.32M | 25.7M | 25.4M |
ALRS Balance Sheet
Alerus Financial Corporation (ALRS) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 389.02M | 290.82M | 454.36M | 765.3M | 1.1B | 775.57M | 616.63M | 652.6M | 68.95M | 1.45B |
Cash & Due from Banks | 122M | 40.65M | 144.01M | 172.96M | 242.31M | 58.24M | 129.89M | 61.24M | 67.19M | 128.83M |
Short Term Investments | 267.02M | 250.17M | 310.35M | 592.34M | 853.65M | 717.32M | 486.74M | 591.36M | 1.76M | 0 |
Total Investments | 1.85B | 1.98B | 2.06B | 2.67B | 2.98B | 3.47B | 3.53B | 4.82B | 4.82B | 4.78B |
Investments Growth % | 11.11% | 7.08% | 4.01% | 29.85% | 11.53% | 16.29% | 1.8% | 36.6% | -0.02% | 59.86% |
Long-Term Investments | 1.58B | 1.73B | 1.75B | 2.08B | 2.13B | 2.75B | 3.04B | 4.23B | 4.82B | 18.23B |
Accounts Receivables | 6.82M | 7.64M | 7.55M | 9.66M | 8.54M | 12.87M | 15.7M | 20.07M | 21.74M | 0 |
Goodwill & Intangibles | 59.13M | 54.42M | 49.56M | 58.11M | 53.62M | 72.19M | 65.99M | 137.43M | 119M | 117.03M |
Goodwill | 27.33M | 27.33M | 27.33M | 30.2M | 31.49M | 47.09M | 46.78M | 85.63M | 85.63M | 85.63M |
Intangible Assets | 31.8M | 27.1M | 22.24M | 27.91M | 22.13M | 25.1M | 19.21M | 51.8M | 33.37M | 31.4M |
PP&E (Net) | 21.23M | 21.74M | 28.97M | 27.21M | 22.1M | 22.71M | 23.38M | 53.22M | 72.01M | 76.55M |
Other Assets | 42.76M | 45.65M | 41.46M | 43.83M | 43.41M | 61.4M | 60.36M | 70.21M | -4.78B | 146.22M |
Total Current Assets | 422.07M | 317.74M | 480.35M | 793.86M | 1.13B | 830.39M | 679.68M | 716.66M | 88.93M | 149.29M |
Total Non-Current Assets | 1.71B | 1.86B | 1.88B | 2.22B | 2.26B | 2.95B | 3.23B | 4.55B | 250.38M | 5.14B |
Total Assets | 2.14B▲ 0% | 2.18B▲ 2.0% | 2.36B▲ 8.2% | 3.01B▲ 27.9% | 3.39B▲ 12.6% | 3.78B▲ 11.4% | 3.91B▲ 3.4% | 5.26B▲ 34.6% | 5.23B▼ 0.6% | 5.29B▲ 0% |
Asset Growth % | 4.22% | 1.97% | 8.16% | 27.87% | 12.57% | 11.41% | 3.39% | 34.65% | -0.6% | 51.08% |
Return on Assets (ROA) | 0.72% | 1.2% | 1.3% | 1.66% | 1.64% | 1.12% | 0.3% | 0.39% | 0.33% | 0.51% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 88.82M | 152.28M | 67.63M | 66.6M | 63.21M | 442.82M | 378.88M | 317.02M | 440.55M | 301.8M |
Net Debt | -33.18M | 111.63M | -76.37M | -106.37M | -179.1M | 384.58M | 248.98M | 255.78M | 373.35M | 172.97M |
Long-Term Debt | 57.78M | 57.95M | 58.13M | 58.3M | 58.73M | 58.84M | 58.96M | 59.07M | 95.46M | 59.21M |
Short-Term Debt | 30M | 93.46M | 0 | 0 | 0 | 378.08M | 314.17M | 238.96M | 308.8M | 200M |
Other Liabilities | 0 | 24.2M | 0 | 0 | 0 | 0 | 64.1M | 70.83M | 3.31B | 4.41B |
Total Current Liabilities | 1.9B | 1.9B | 2B | 2.62B | 2.97B | 3.36B | 3.41B | 4.62B | 308.8M | 200M |
Total Non-Current Liabilities | 58.82M | 83.02M | 67.63M | 66.6M | 63.21M | 64.75M | 128.81M | 148.89M | 3.44B | 4.51B |
Total Liabilities | 1.96B | 1.98B | 2.07B | 2.68B | 3.03B | 3.42B | 3.54B | 4.77B | 4.67B | 4.71B |
Total Equity | 180.57M▲ 0% | 196.95M▲ 9.1% | 285.73M▲ 45.1% | 330.16M▲ 15.6% | 359.4M▲ 8.9% | 356.87M▼ 0.7% | 369.13M▲ 3.4% | 495.41M▲ 34.2% | 564.93M▲ 14.0% | 574.69M▲ 0% |
Equity Growth % | 6.98% | 9.07% | 45.07% | 15.55% | 8.86% | -0.7% | 3.43% | 34.21% | 14.03% | 111.13% |
Equity / Assets (Capital Ratio) | 8.45% | 9.04% | 12.12% | 10.96% | 10.59% | 9.44% | 9.45% | 9.42% | 10.8% | 10.87% |
Return on Equity (ROE) | 8.59% | 13.7% | 12.24% | 14.51% | 15.28% | 11.17% | 3.22% | 4.11% | 3.29% | 4.87% |
Book Value per Share | 12.89 | 14.01 | 18.93 | 18.93 | 20.55 | 18.90 | 18.33 | 23.24 | 21.98 | 22.63 |
Tangible BV per Share | 8.67 | 10.14 | 15.65 | 15.60 | 17.49 | 15.08 | 15.05 | 16.79 | 17.35 | 18.02 |
Common Stock | 13.7M | 13.78M | 17.05M | 17.13M | 17.21M | 19.99M | 19.73M | 25.34M | 25.41M | 25.21M |
Additional Paid-in Capital | 26.04M | 27.74M | 88.65M | 90.24M | 92.88M | 155.09M | 150.34M | 269.71M | 271.61M | 266.02M |
Retained Earnings | 141.96M | 159.04M | 178.09M | 212.16M | 253.57M | 280.43M | 272.7M | 273.72M | 270.07M | 287.7M |
Accumulated OCI | -1.13M | -3.6M | 1.94M | 10.64M | -4.25M | -98.64M | -73.66M | -73.37M | -2.16M | -4.24M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
ALRS Cash Flow Statement
Alerus Financial Corporation (ALRS) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 47.89M | 53.55M | 19.25M | -22.25M | 149.83M | 102.97M | 28.98M | 28.96M | 67.53M | 94.41M |
Operating CF Growth % | 40.9% | 11.82% | -64.06% | -215.61% | 773.34% | -31.28% | -71.85% | -0.08% | 133.18% | 671.86% |
Net Income | 15M | 25.87M | 29.54M | 44.67M | 52.68M | 40.01M | 11.7M | 17.78M | 17.44M | 27.1M |
Depreciation & Amortization | 9.86M | 8.73M | 8.77M | 8.93M | 8.81M | 8.24M | 8.51M | 14.88M | 16.09M | 11.61M |
Deferred Taxes | 9.74M | -20K | 337K | -4.43M | 2.79M | 913K | 893K | -3.98M | 5.89M | 6.66M |
Other Non-Cash Items | 4.43M | 119K | -16.13M | -44.4M | 82.78M | 40.88M | 25.17M | 10.18M | 39.61M | 45.66M |
Working Capital Changes | 7.92M | 17.01M | -5.02M | -28.94M | -319K | 11.02M | -16.23M | -11.55M | -14.2M | 730K |
Cash from Investing | -205.09M | -154.71M | -65.59M | -538.39M | -417.66M | -292.62M | -51.99M | -330.03M | 76.55M | 116.82M |
Purchase of Investments | -38.23M | -29.56M | -123.23M | -414.72M | -789.96M | -95.6M | 0 | -110.11M | -382.14M | -407.37M |
Sale/Maturity of Investments | 42.9M | 43.85M | 70.03M | 145.33M | 153.09M | 134.03M | 259.97M | 216.98M | 553.61M | 463.49M |
Net Investment Activity | 4.67M | 14.29M | -53.2M | -269.4M | -636.87M | 38.42M | 259.97M | 106.87M | 171.47M | 56.11M |
Acquisitions | 0 | 0 | 10.38M | -9.28M | 0 | 101.51M | 0 | 8.61M | 0 | 0 |
Other Investing | -206.49M | -165.25M | -19.88M | -255.9M | 220.92M | -430.77M | -308.79M | -433.15M | -94.92M | 59.7M |
Cash from Financing | 71.83M | 19.81M | 149.7M | 589.6M | 337.18M | 5.59M | 94.76M | 232.42M | -138.13M | -165.38M |
Dividends Paid | -6.73M | -7.46M | -8.91M | -10.39M | -10.75M | -12.8M | -14.82M | -15.45M | -20.82M | -20.83M |
Share Repurchases | -294K | -356K | -1.95M | -482K | -712K | -738K | -6.64M | -276K | -737K | -7.15M |
Stock Issued | 0 | 0 | 62.8M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | -294K | -356K | 60.86M | -482K | -712K | -738K | -6.64M | -276K | -737K | -7.15M |
Debt Issuance (Net) | 1000K | 1000K | -1000K | -210K | 80K | 1000K | -1000K | -1000K | 1000K | 1000K |
Other Financing | 49.75M | -35.67M | 191.44M | 600.68M | 348.56M | -358.75M | 180.13M | 324.95M | -186.41M | -252.75M |
Net Change in Cash | -85.37M▲ 0% | -81.35M▲ 4.7% | 103.36M▲ 227.1% | 28.96M▼ 72.0% | 69.35M▲ 139.5% | -184.07M▼ 365.4% | 71.65M▲ 138.9% | -68.65M▼ 195.8% | 5.95M▲ 108.7% | 45.85M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24.85M |
Cash at Beginning | 207.37M | 122M | 40.65M | 144.01M | 172.96M | 242.31M | 58.24M | 129.89M | 61.24M | 67.19M |
Cash at End | 122M | 40.65M | 144.01M | 172.96M | 242.31M | 58.24M | 129.89M | 61.24M | 67.19M | 128.83M |
Interest Paid | 8.03M | 12.31M | 18.43M | 12.64M | 4.54M | 15.1M | 72.64M | 110.02M | 110.36M | 81.13M |
Income Taxes Paid | 13.07M | 5.35M | 7.22M | 13.58M | 13.12M | 12.53M | 10.84M | 448K | 2.64M | 2.64M |
Free Cash Flow | 44.94M▲ 0% | 49.8M▲ 10.8% | 16.35M▼ 67.2% | -26.06M▼ 259.4% | 148.13M▲ 668.3% | 101.18M▼ 31.7% | 25.71M▼ 74.6% | 16.59M▼ 35.5% | 58.83M▲ 254.6% | 95.41M▲ 0% |
FCF Growth % | 39.12% | 10.8% | -67.17% | -259.44% | 668.34% | -31.7% | -74.59% | -35.48% | 254.62% | 735.49% |
ALRS Banking Ratios
Alerus Financial Corporation (ALRS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.59% | 13.7% | 12.24% | 14.51% | 15.28% | 11.17% | 3.22% | 4.11% | 3.29% | 4.87% |
| Return on Assets (ROA) | 0.72% | 1.2% | 1.3% | 1.66% | 1.64% | 1.12% | 0.3% | 0.39% | 0.33% | 0.51% |
| Net Interest Margin | 3.17% | 3.45% | 3.16% | 2.78% | 2.57% | 2.64% | 2.25% | 2.03% | 3.3% | 3.33% |
| Efficiency Ratio | 75.2% | 71.26% | 68.26% | 65.94% | 69.83% | 69.71% | 60.97% | 53.93% | 60.26% | 59.97% |
| Equity / Assets | 8.45% | 9.04% | 12.12% | 10.96% | 10.59% | 9.44% | 9.45% | 9.42% | 10.8% | 10.87% |
| Book Value / Share | 12.89 | 14.01 | 18.93 | 18.93 | 20.55 | 18.9 | 18.33 | 23.24 | 21.98 | 22.63 |
| NII Growth | 7.52% | 11.16% | -0.89% | 12.47% | 3.88% | 14.5% | -11.92% | 21.87% | 61.15% | 39.9% |
| Dividend Payout | 44.86% | 28.83% | 30.16% | 23.25% | 20.41% | 32% | 126.73% | 86.87% | 119.4% | 58.13% |
Related:ALRS Dividend History·ALRS Revenue History·ALRS Price History·ALRS P/E History·ALRS Financial Ratios·ALRS Institutional Holders
ALRS SEC Filings & Documents
Alerus Financial Corporation (ALRS) SEC filings — annual & quarterly reports (10-K, 10-Q)
ALRS Frequently Asked Questions
Alerus Financial Corporation (ALRS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Alerus Financial Corporation (ALRS) saw revenue decline by 3.1% over the past year.
Yes, Alerus Financial Corporation (ALRS) is profitable, generating $27.1M in net income for fiscal year 2025 (5.3% net margin).
Dividend & Returns
Yes, Alerus Financial Corporation (ALRS) pays a dividend with a yield of 2.67%. This makes it attractive for income-focused investors.
Alerus Financial Corporation (ALRS) has a return on equity (ROE) of 3.3%. This is below average, suggesting room for improvement.
Industry Metrics
Alerus Financial Corporation (ALRS) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
Alerus Financial Corporation (ALRS) has an efficiency ratio of 60.3%. This is reasonable for a bank.