Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 28.37 | 10.39 | 9.60 | 6.59 | — | 8.52 | 6.94 | 8.88 | — | 22.00 | 15.81 | 17.05 | — | 10.10 | 9.99 | 10.03 | 11.01 | 11.76 | 11.45 | 12.12 | 10.21 |
| — | +22.0% | +38.4% | -25.8% | — | -61.3% | -56.1% | -48.0% | — | +117.8% | +58.3% | +70.0% | — | -14.1% | -12.7% | -17.3% | +7.9% | +16.5% | +4.2% | +40.0% | -14.9% | |
| P/S Ratio | 3.47 | 2.45 | 2.45 | 1.99 | 20.22 | 1.99 | 1.88 | 1.73 | 1.79 | 2.29 | 1.93 | 2.32 | 5.12 | 1.90 | 1.90 | 1.68 | 2.28 | 2.04 | 2.03 | 2.40 | 2.28 |
| — | +23.2% | +30.3% | +14.6% | +1031.2% | -13.0% | -2.7% | -25.1% | -65.1% | +20.4% | +1.4% | +38.0% | +125.1% | -6.7% | -6.0% | -30.0% | -0.3% | -12.9% | -9.5% | +13.5% | +15.3% | |
| P/B Ratio | 1.54 | 1.38 | 1.35 | 1.05 | 1.01 | 1.03 | 1.04 | 0.92 | 0.98 | 1.19 | 1.05 | 1.17 | 1.21 | 1.05 | 1.02 | 0.90 | 1.32 | 1.30 | 1.36 | 1.47 | 1.42 |
| — | +33.2% | +30.1% | +13.8% | +3.7% | -13.0% | -1.2% | -21.6% | -19.5% | +13.7% | +3.5% | +29.7% | -8.4% | -19.4% | -25.1% | -38.5% | -7.0% | -12.4% | -7.8% | -6.8% | -1.6% | |
| P/FCF | 7.52 | 3.87 | 9.57 | 5.84 | 9.35 | 3.75 | 18.35 | 20.91 | 27.00 | 7.10 | — | 10.07 | — | 7.35 | 6.40 | — | 2.49 | 3.07 | — | 3.44 | 4.19 |
| — | +3.3% | -47.8% | -72.1% | -65.4% | -47.2% | — | +107.7% | — | -3.5% | — | — | — | +139.5% | — | — | -40.7% | -22.5% | — | +44.3% | — | |
| EV / EBITDA | 23.91 | 11.48 | 9.74 | 5.38 | — | 7.11 | 7.19 | 7.81 | 22.90 | 19.56 | 13.91 | 12.01 | — | 18.77 | 13.93 | 12.25 | 12.81 | 12.10 | 12.33 | 6.83 | 4.41 |
| — | +61.5% | +35.6% | -31.2% | — | -63.7% | -48.3% | -34.9% | — | +4.2% | -0.2% | -2.0% | — | +55.2% | +13.0% | +79.3% | +190.5% | +118.6% | +237.7% | +53.3% | -25.8% | |
| EV / EBIT | 54.13 | 11.48 | 11.03 | 6.41 | — | 8.78 | 8.21 | 9.51 | — | 25.99 | 17.66 | 14.96 | — | 19.09 | 18.39 | 14.69 | 14.74 | 14.12 | 14.26 | 7.91 | 4.97 |
| — | +30.8% | +34.3% | -32.7% | — | -66.2% | -53.5% | -36.4% | — | +36.2% | -4.0% | +1.9% | — | +35.2% | +29.0% | +85.7% | +196.5% | +126.7% | +241.7% | +58.8% | -28.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.7% | 97.3% | 99.4% | 106.4% | 104.3% | 100.0% | 100.0% | 98.7% | 82.3% | 96.7% | 91.2% | 100.0% | 93.1% | 100.0% | 100.0% | 98.9% | 100.0% | 100.0% | 100.0% | 100.0% | 102.7% |
| — | -2.7% | -0.6% | +7.8% | +26.8% | +3.4% | +9.7% | -1.3% | -11.6% | -3.3% | -8.8% | +1.1% | -6.9% | 0.0% | 0.0% | -1.1% | -2.6% | -3.5% | 0.0% | 0.0% | +5.1% | |
| Operating Margin | 10.2% | 30.8% | 31.7% | 39.9% | -613.2% | 30.8% | 35.7% | 25.7% | -0.4% | 13.5% | 16.0% | 18.1% | -81.6% | 24.0% | 24.4% | 21.7% | 28.0% | 22.9% | 23.3% | 25.9% | 29.9% |
| — | +0.2% | -11.2% | +55.2% | -141932.5% | +127.5% | +123.4% | +42.2% | +99.5% | -43.6% | -34.4% | -16.5% | -391.2% | +4.9% | +4.4% | -16.3% | -6.2% | -25.3% | -13.8% | -19.7% | +35.1% | |
| Net Margin | 7.9% | 23.7% | 25.9% | 30.3% | -467.5% | 23.7% | 27.4% | 19.5% | -0.1% | 10.4% | 12.2% | 13.7% | -67.6% | 19.0% | 19.0% | 16.9% | 21.0% | 17.5% | 18.0% | 20.2% | 22.7% |
| — | +0.1% | -5.7% | +55.4% | -478892.3% | +128.2% | +124.9% | +42.9% | +99.9% | -45.5% | -36.0% | -19.2% | -421.2% | +8.7% | +5.6% | -16.2% | -7.3% | -25.0% | -12.6% | -18.3% | +34.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 3.3% | 3.3% | 3.6% | 4.0% | -5.9% | 3.1% | 3.9% | 2.6% | -0.0% | 1.4% | 1.7% | 1.7% | -4.1% | 2.6% | 2.5% | 2.3% | 3.1% | 3.0% | 2.9% | 3.0% | 3.6% |
| — | +6.0% | -6.8% | +52.8% | -39402.0% | +127.8% | +132.0% | +51.9% | +99.6% | -47.1% | -34.4% | -24.1% | -232.1% | -12.2% | -13.1% | -22.8% | -12.8% | -21.2% | -15.8% | -35.8% | +14.2% | |
| ROA | 0.3% | 0.4% | 0.4% | 0.4% | -0.6% | 0.3% | 0.4% | 0.3% | -0.0% | 0.1% | 0.1% | 0.2% | -0.4% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% |
| — | +13.1% | +3.8% | +73.9% | -44607.1% | +157.7% | +166.0% | +61.0% | +99.6% | -48.2% | -39.5% | -27.0% | -230.0% | -13.6% | -15.8% | -29.4% | -24.5% | -33.3% | -24.4% | -38.7% | +12.3% | |
| ROIC | 1.9% | 1.9% | 2.0% | 2.4% | -3.5% | 1.9% | 2.3% | 1.6% | -0.0% | 0.6% | 0.6% | 0.7% | -1.6% | 0.9% | 1.0% | 1.0% | 1.5% | 1.5% | 1.8% | 2.4% | 3.0% |
| — | -0.8% | -12.7% | +46.8% | -12005.5% | +209.5% | +274.5% | +123.4% | +98.2% | -35.8% | -39.7% | -25.5% | -206.7% | -36.6% | -43.2% | -59.1% | -50.1% | -52.5% | -37.3% | -36.0% | +17.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.78 | 0.73 | 0.77 | 0.53 | 0.78 | 0.54 | 0.73 | 0.54 | 0.64 | 0.81 | 1.66 | 1.67 | 1.03 | 1.66 | 1.56 | 1.22 | 1.24 | 0.92 | 0.99 | 0.19 | 0.18 |
| — | +35.4% | +4.3% | -2.7% | +21.9% | -33.7% | -55.7% | -67.6% | -37.7% | -51.2% | +6.4% | +37.1% | -17.3% | +81.1% | +57.0% | +536.4% | +605.6% | +411.3% | +435.6% | -4.9% | -12.8% | |
| Debt / EBITDA | 11.05 | 16.79 | 15.45 | 8.38 | — | 10.89 | 13.00 | 12.99 | 39.27 | 34.70 | 60.00 | 58.35 | — | 49.47 | 36.30 | 34.71 | 26.48 | 21.58 | 21.94 | 4.15 | 3.35 |
| — | +54.2% | +18.8% | -35.5% | — | -68.6% | -78.3% | -77.7% | — | -29.9% | +65.3% | +68.1% | — | +129.2% | +65.4% | +737.1% | +690.0% | +556.6% | +502.5% | +39.2% | -21.4% | |
| Current Ratio | 0.29 | 0.27 | 0.37 | 0.75 | 0.29 | 0.14 | 0.14 | 0.14 | 0.16 | 0.15 | 0.26 | 0.30 | 0.20 | 0.21 | 0.22 | 0.25 | 0.25 | 0.24 | 0.29 | 0.34 | 0.38 |
| — | +94.6% | +170.3% | +418.7% | +85.6% | -9.3% | -47.0% | -51.5% | -22.1% | -25.9% | +17.8% | +19.0% | -19.4% | -13.8% | -23.2% | -27.1% | -35.2% | -19.0% | -18.6% | -5.2% | +25.8% | |
| Quick Ratio | 0.29 | 0.27 | 0.37 | 0.75 | 0.29 | 0.14 | 0.14 | 0.14 | 0.16 | 0.15 | 0.26 | 0.30 | 0.20 | 0.21 | 0.22 | 0.25 | 0.25 | 0.24 | 0.29 | 0.34 | 0.38 |
| — | +94.6% | +170.3% | +418.7% | +85.6% | -9.3% | -47.0% | -51.5% | -22.1% | -25.9% | +17.8% | +19.0% | -19.4% | -13.8% | -23.2% | -27.1% | -35.2% | -19.0% | -18.6% | -5.2% | +25.8% | |
| Interest Coverage | 0.21 | 1.07 | 1.12 | 1.37 | -1.72 | 0.80 | 0.96 | 0.65 | -0.01 | 0.23 | 0.28 | 0.32 | -0.77 | 0.53 | 0.64 | 0.74 | 1.64 | 3.17 | 7.28 | 9.40 | 11.82 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying ALRS stock.
Alerus Financial Corporation's current P/E is 28.4x. The average P/E over the last 3 quarters is 8.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Alerus Financial Corporation's current operating margin is 10.2%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Alerus Financial Corporation's business trajectory between earnings reports.