Alerus Financial Corp
NASDAQ:ALRS
Intrinsic Value
Alerus Financial Corp. engages in the provision of business and consumer financial products and services through its subsidiary, Alerus Financial NA. The company is headquartered in Grand Forks, North... [ Read More ]
The intrinsic value of one
ALRS
stock under the Base Case scenario is
18.02
USD.
Compared to the current market price of 20.54 USD,
Alerus Financial Corp
is
Overvalued by 12%.
ALRS stock (18.02 USD) is 12% less than its price (20.54 USD).
ALRS stock (12.33 USD) is 40% less than its price (20.54 USD). Open Relative Valuation
ALRS has upside potential of 13% compared to the average analyst price target.
Open Wall St Estimates
ALRS's Revenue has been falling by 10% per year for the last 3 years.
ALRS has positive Net Income for the last twelve months.
ALRS's Revenue has dropped by 20% over the past 12 months.
ALRS has positive three-year average ROE (Return on Equity): 13%. The company is efficient at transforming stockholders' equity into net income.
ALRS's ROE (Return on Equity) has significantly decreased in the last 3 years from 17% to 3%.
ALRS's ROE (Return on Equity) for the past 12 months is very low and is equal to 3%.
ALRS's D/E (Debt to Equity) is very low and is equal to 0.47.
Valuation Backtest
Alerus Financial Corp
Run backtest to discover the historical profit from buying and selling
ALRS
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Alerus Financial Corp
Balance Sheet Decomposition
Alerus Financial Corp
| Net Loans | 2.7B |
| Investments | 870m |
| PP&E | 23.4m |
| Intangibles | 66m |
| Other Assets | 224.7m |
| Total Deposits | 3.1B |
| Short Term Debt | 114.2m |
| Long Term Debt | 59m |
| Other Liabilities | 269.8m |
Wall St
Price Targets
ALRS Price Targets Summary
Alerus Financial Corp
According to Wall Street analysts, the average 1-year price target for
ALRS
is 23.21 USD
with a low forecast of 22.22 USD and a high forecast of 25.2 USD.
Ownership
ALRS Insider Trading
Buy and sell transactions by insiders
| Period | Sold | Bought | Net |
|---|---|---|---|
| 3 Months |
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| 6 Months |
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| 9 Months |
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| 12 Months |
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Shareholder Return
ALRS Price
Alerus Financial Corp
| Average Annual Return | 8.35% |
| Standard Deviation of Annual Returns | 19.7% |
| Max Drawdown | -62% |
| Market Capitalization | 405.3m USD |
| Shares Outstanding | 19 996 000 |
| Percentage of Shares Shorted | 2.14% |
Company Profile
Alerus Financial Corp
Country
Industry
Market Cap
Dividend Yield
Description
Alerus Financial Corp. engages in the provision of business and consumer financial products and services through its subsidiary, Alerus Financial NA. The company is headquartered in Grand Forks, North Dakota and currently employs 779 full-time employees. The company went IPO on 2001-07-27. Through its subsidiary, Alerus Financial, National Association the Company provides diversifies financial solutions to businesses and consumers. The firm operates through four segments: banking, retirement and benefit services, wealth management, and mortgage. The banking segment offers loans, deposits, cash management, and treasury services through approximately 14 offices in North Dakota, Minnesota, and Arizona. These products and services are supported through various digital applications. Retirement and benefit services segment provides various services, including recordkeeping and administration services to qualified retirement plans; ESOP trustee, recordkeeping and administration; investment fiduciary services to retirement plans; HSA, flex spending account, and government health insurance program recordkeeping and administration services to employers; payroll and human resource information system.
Contact
IPO
Employees
Officers
The intrinsic value of one
ALRS
stock under the Base Case scenario is
18.02
USD.
Compared to the current market price of 20.54 USD,
Alerus Financial Corp
is
Overvalued by 12%.
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