Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Alerus Financial Corporation's quarterly P/E stands at 6.6x, down 25.8% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 18.0% YoY to 6.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 44.56 | 6.59 | — | 8.52 | 6.94 | 8.88 | 37.00 | 22.00 | 15.81 | 17.05 | — | 10.10 | 9.99 |
| — | -25.8% | — | -61.3% | -56.1% | -48.0% | — | +117.8% | +58.3% | +70.0% | — | -14.1% | -12.7% | |
| P/S Ratio | 2.36 | 1.54 | 4.43 | 1.44 | 1.37 | 1.24 | 1.25 | 1.44 | 1.23 | 1.48 | 2.49 | 1.31 | 1.38 |
| — | +23.9% | +254.0% | -0.0% | +11.5% | -15.8% | -49.7% | +9.8% | -10.9% | +13.6% | +27.9% | -31.0% | -29.7% | |
| P/B Ratio | 1.38 | 1.05 | 1.01 | 1.03 | 1.04 | 0.92 | 0.98 | 1.19 | 1.05 | 1.17 | 1.21 | 1.05 | 1.02 |
| — | +13.8% | +3.7% | -13.0% | -1.2% | -21.6% | -19.5% | +13.7% | +3.5% | +29.7% | -8.4% | -19.4% | -25.1% | |
| P/FCF | 13.16 | 5.41 | 6.48 | 3.75 | 18.35 | 20.91 | 27.00 | 7.10 | — | 10.07 | — | 7.35 | 6.40 |
| — | -74.1% | -76.0% | -47.2% | — | +107.7% | — | -3.5% | — | — | — | +139.5% | — | |
| EV / EBITDA | 28.78 | 6.41 | — | 7.11 | 7.19 | 7.81 | 22.90 | 19.56 | 13.91 | 12.01 | — | 18.77 | 13.93 |
| — | -18.0% | — | -63.7% | -48.3% | -34.9% | — | +4.2% | -0.2% | -2.0% | — | +55.2% | +13.0% | |
| EV / EBIT | 50.81 | 6.41 | — | 8.78 | 8.21 | 9.51 | — | 25.99 | 17.66 | 14.96 | — | 19.09 | 18.39 |
| — | -32.7% | — | -66.2% | -53.5% | -36.4% | — | +36.2% | -4.0% | +1.9% | — | +35.2% | +29.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Alerus Financial Corporation's operating margin was 30.9% in Q1 2026, up 165.2 pp QoQ and up 12.5 pp YoY. The trailing four-quarter average of -13.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 16.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.2% | 82.4% | 22.9% | 72.2% | 72.9% | 70.7% | 57.6% | 60.8% | 58.1% | 63.7% | 45.2% | 69.0% | 72.5% |
| — | +16.5% | -60.3% | +18.8% | +25.6% | +11.0% | +27.4% | -11.9% | -19.9% | -16.7% | -47.1% | -26.1% | -25.2% | |
| Operating Margin | 6.9% | 30.9% | -134.3% | 22.2% | 26.0% | 18.4% | -0.3% | 8.5% | 10.2% | 11.5% | -39.6% | 16.5% | 17.7% |
| — | +67.8% | -44350.6% | +161.4% | +155.9% | +59.9% | +99.2% | -48.6% | -42.4% | -31.2% | -265.5% | -22.4% | -21.9% | |
| Net Margin | 5.3% | 23.5% | -102.4% | 17.1% | 20.0% | 14.0% | -0.1% | 6.5% | 7.8% | 8.7% | -32.8% | 13.1% | 13.8% |
| — | +68.0% | -149805.1% | +162.2% | +157.5% | +60.6% | +99.8% | -50.4% | -43.8% | -33.5% | -282.6% | -19.6% | -21.0% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 3.3% | 4.0% | -5.9% | 3.1% | 3.9% | 2.6% | -0.0% | 1.4% | 1.7% | 1.7% | -4.1% | 2.6% | 2.5% |
| — | +52.8% | -39402.0% | +127.8% | +132.0% | +51.9% | +99.6% | -47.1% | -34.4% | -24.1% | -232.1% | -12.2% | -13.1% | |
| ROA | 0.3% | 0.4% | -0.6% | 0.3% | 0.4% | 0.3% | -0.0% | 0.1% | 0.1% | 0.2% | -0.4% | 0.2% | 0.2% |
| — | +73.9% | -44607.1% | +157.7% | +166.0% | +61.0% | +99.6% | -48.2% | -39.5% | -27.0% | -230.0% | -13.6% | -15.8% | |
| ROIC | 1.9% | 2.4% | -3.5% | 1.9% | 2.3% | 1.6% | -0.0% | 0.6% | 0.6% | 0.7% | -1.6% | 0.9% | 1.0% |
| — | +46.8% | -12005.5% | +209.5% | +274.5% | +123.4% | +98.2% | -35.8% | -39.7% | -25.5% | -206.7% | -36.6% | -43.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Alerus Financial Corporation's Debt/EBITDA ratio is 10.0x — elevated, raising questions about debt serviceability. The current ratio has improved 418.7% YoY to 0.75x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.78 | 0.53 | 0.78 | 0.54 | 0.73 | 0.54 | 0.64 | 0.81 | 1.66 | 1.67 | 1.03 | 1.66 | 1.56 |
| — | -2.7% | +21.9% | -33.7% | -55.7% | -67.6% | -37.7% | -51.2% | +6.4% | +37.1% | -17.3% | +81.1% | +57.0% | |
| Debt / EBITDA | 11.05 | 9.98 | — | 10.89 | 13.00 | 12.99 | 39.27 | 34.70 | 60.00 | 58.35 | — | 49.47 | 36.30 |
| — | -23.2% | — | -68.6% | -78.3% | -77.7% | — | -29.9% | +65.3% | +68.1% | — | +129.2% | +65.4% | |
| Current Ratio | 0.29 | 0.75 | 0.29 | 0.14 | 0.14 | 0.14 | 0.16 | 0.15 | 0.26 | 0.30 | 0.20 | 0.21 | 0.22 |
| — | +418.7% | +85.6% | -9.3% | -47.0% | -51.5% | -22.1% | -25.9% | +17.8% | +19.0% | -19.4% | -13.8% | -23.2% | |
| Quick Ratio | 0.29 | 0.75 | 0.29 | 0.14 | 0.14 | 0.14 | 0.16 | 0.15 | 0.26 | 0.30 | 0.20 | 0.21 | 0.22 |
| — | +418.7% | +85.6% | -9.3% | -47.0% | -51.5% | -22.1% | -25.9% | +17.8% | +19.0% | -19.4% | -13.8% | -23.2% | |
| Interest Coverage | 0.21 | 1.37 | -1.72 | 0.80 | 0.96 | 0.65 | -0.01 | 0.23 | 0.28 | 0.32 | -0.77 | 0.53 | 0.64 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Alerus Financial Corporation's current P/E is 44.6x. The average P/E over the last 3 quarters is 7.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Alerus Financial Corporation's current operating margin is 6.9%. 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.