Alerus Financial Corp (ALRS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Alerus Financial Corp stock (ALRS) is currently trading at $24.09. Alerus Financial Corp PE ratio is 34.37. Alerus Financial Corp PS ratio (Price-to-Sales) is 2.65. Analyst consensus price target for ALRS is $26.60. WallStSmart rates ALRS as Sell.
- ALRS PE ratio analysis and historical PE chart
- ALRS PS ratio (Price-to-Sales) history and trend
- ALRS intrinsic value — DCF, Graham Number, EPV models
- ALRS stock price prediction 2025 2026 2027 2028 2029 2030
- ALRS fair value vs current price
- ALRS insider transactions and insider buying
- Is ALRS undervalued or overvalued?
- Alerus Financial Corp financial analysis — revenue, earnings, cash flow
- ALRS Piotroski F-Score and Altman Z-Score
- ALRS analyst price target and Smart Rating
Alerus Financial Corp
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ALRS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Alerus Financial Corp (ALRS)
ALRS appears undervalued based on the Graham Formula, trading 21% below its estimated fair value of $31.82.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Alerus Financial Corp (ALRS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, eps growth, institutional own.. Concerns around return on equity and operating margin. Mixed signals suggest waiting for clearer direction before acting.
Alerus Financial Corp (ALRS) Key Strengths (3)
Earnings per share surging 150.00% year-over-year
Trading at 1.05x book value, attractively priced
62.44% held by institutions, strong professional interest
Alerus Financial Corp (ALRS) Areas to Watch (6)
Losing money on operations
Revenue declining -85.80%, a shrinking business
Very low returns on shareholder equity
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.65x sales
Supporting Valuation Data
Alerus Financial Corp (ALRS) Detailed Analysis Report
Overall Assessment
This company scores 42/100 in our Smart Analysis, earning a D grade. Out of 9 metrics analyzed, 3 register as strengths (avg 8.7/10) while 6 fall into concern territory (avg 2.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on EPS Growth, Price/Book, Institutional Own.. Valuation metrics including Price/Book (1.05) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 150.00%.
The Bear Case
The primary concerns are Operating Margin, Revenue Growth, Return on Equity. Some valuation metrics including Price/Sales (2.65) suggest expensive pricing. Growth concerns include Revenue Growth at -85.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 3.29%, Operating Margin at -481.40%, Profit Margin at 7.79%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 3.29% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -85.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Operating Margin and Revenue Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ALRS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ALRS's Price-to-Sales ratio of 2.65x trades at a deep discount to its historical average of 6.29x (6th percentile). The current valuation is 79% below its historical high of 12.36x set in Jan 2007, and 6% above its historical low of 2.5x in Jan 2017.
WallStSmart Analysis Synopsis
Data-driven financial summary for Alerus Financial Corp (ALRS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Alerus Financial Corp operates as a stable business with moderate growth and solid fundamentals. Revenue reached 224M with 86% decline year-over-year. Profit margins are thin at 7.8%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 22M in free cash flow and 23M in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 86% YoY. Worth determining whether this is cyclical or structural.
ROE of 3.3% suggests the company isn't efficiently converting equity into profits.
What to Watch Next
Margin expansion: can Alerus Financial Corp push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 3.5%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 441M is significantly higher than cash (67M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Alerus Financial Corp.
Bottom Line
Alerus Financial Corp offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Alerus Financial Corp(ALRS)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers. The company is headquartered in Grand Forks, North Dakota.