NASDAQ
ALRS
Last Price
US $33.67
KEY FIGURES
MKT CAP
$0.8B
EPS
TTM
$1.09
PEG
TTM
N/M
P/E
TTM
30.86x
P/S
TTM
2.57x
YIELD
2.52%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
4.88%
Return on equity
ROIC: 6.92%
Valuation History
30.2X
Price to Earnings
EV/EBITDA: 23.7X
Cash flow
Profit margin
6.46%
(FY vs FY)
EBITDA Y/Y
-9.97%
(FY vs FY)
Cash flow Y/Y
-
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $33.67
—
Default assumptions
EBITDA Multiple
Fair Value
Market $33.67
—
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Alerus Financial Corporation cash flow to debt ratio of 15.33% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Alerus Financial Corporation's free cash flow has increased 254.62% from $16.59M last year to $58.83M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
Alerus Financial Corporation's debt to equity ratio is 0.77, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial risk - Healthy debt to equity ratio development.
Alerus Financial Corporation's debt has increased relative to shareholder equity from 0.64 last year to 0.77 today, signaling weakened financials
Financial risk - Net debt/EBITDA.
Alerus Financial Corporation has a net debt to EBITDA ratio of 9.36x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Alerus Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Alerus Financial Corporation's profit margin has increased (58.44%) in the last year from 5.26% to 8.33%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Alerus Financial Corporation's short-term liabilities of $308.80M exceed its short-term assets of $88.93M, signaling financial risk
Decreasing performance - ROA.
Alerus Financial Corporation's return on assets of 0.52% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Alerus Financial Corporation's return on equity of 4.88%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Alerus Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Alerus Financial Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Alerus Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Alerus Financial Corporation has a free cash flow yield of 6.95%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Decreasing performance - Healthy earnings growth.
Alerus Financial Corporation's yearly earnings has decreased -1.92% since last year from $17.78M to $17.44M, signaling decreasing performance
Increasing performance - Healthy revenue growth.
Alerus Financial Corporation's yearly revenue has increased 0.33% since last year from $330.41M to $331.51M, signaling increasing performance
Increasing performance - ROIC.
ROIC 6.92% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
Alerus Financial Corporation's 3-year revenue CAGR of 13.44% is positive, indicating growing revenue over the past 3 years
Decreasing performance - Revenue consistency.
Alerus Financial Corporation had revenue growth in only 2.00 out of 5 years, indicating inconsistent revenue performance
Increasing performance - ROE consistency.
Alerus Financial Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Alerus Financial Corporation has insufficient data to evaluate this check.
Overvalued - Earnings yield.
Alerus Financial Corporation has an earnings yield of 3.24%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings
Overvalued - EBITDA valuation.
Alerus Financial Corporation is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Overvalued - EV/EBITDA.
Alerus Financial Corporation has an EV/EBITDA ratio of 30.58x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings
Overvalued - PEG ratio value.
Alerus Financial Corporation has no meaningful EPS growth rate; PEG ratio cannot be computed.
Undervalued - P/B ratio.
Alerus Financial Corporation has a price-to-book ratio of 1.47x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Alerus Financial Corporation has a price-to-sales ratio of 2.57x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue