Other Earnings and Cash Flow Stats:
ALERUS FINANCIAL CORP ( ALRS ) Net Income TTM ($MM) is 3.09
ALERUS FINANCIAL CORP ( ALRS ) Operating Income TTM ($MM) is 9.60
ALERUS FINANCIAL CORP ( ALRS ) Owners' Earnings Annual ($MM) is 34.34
ALERUS FINANCIAL CORP ( ALRS ) Current Price to Owners' Earnings ratio is 13.20
ALERUS FINANCIAL CORP ( ALRS ) EBITDA TTM ($MM) is 15.59
ALERUS FINANCIAL CORP ( ALRS ) EBITDA Margin is 12.63%
Capital Allocation:
ALERUS FINANCIAL CORP ( ALRS ) has paid 0.80 dividends per share and bought back 0.02 million shares in the past 12 months
ALERUS FINANCIAL CORP ( ALRS ) has increased its debt by 395.19 million USD in the last 12 months
Capital Structure:
ALERUS FINANCIAL CORP ( ALRS ) Interest-bearing Debt ($MM) as of last quarter is 975
ALERUS FINANCIAL CORP ( ALRS ) Annual Working Capital Investments ($MM) are 172
ALERUS FINANCIAL CORP ( ALRS ) Book Value ($MM) as of last quarter is 386
ALERUS FINANCIAL CORP ( ALRS ) Debt/Capital as of last quarter is 261%
Other Balance Sheet Stats:
ALERUS FINANCIAL CORP ( ALRS ) has 65 million in cash on hand as of last quarter
ALERUS FINANCIAL CORP ( ALRS ) has 3004 million of liabilities due within 12 months, and long term debt 614 as of last quarter
ALERUS FINANCIAL CORP ( ALRS ) has 20 common shares outstanding as of last quarter
ALERUS FINANCIAL CORP ( ALRS ) has 0 million USD of preferred stock value
Academic Scores:
ALERUS FINANCIAL CORP ( ALRS ) Altman Z-Score is -0.59 as of last quarter
ALERUS FINANCIAL CORP ( ALRS ) Piotroski Score is 6.00 as of last quarter
Corporate Governance:
ALERUS FINANCIAL CORP ( ALRS ) largest shareholder is owning shares at 0.00 ($MM) value
Lorenson Katie A(an insider) Bought 1000 shares of ALERUS FINANCIAL CORP ( ALRS ) for the amount of $20300.00 on 2024-11-01
8.96% of ALERUS FINANCIAL CORP ( ALRS ) is held by insiders, and 38.26% is held by institutions
ALERUS FINANCIAL CORP ( ALRS ) went public on 2001-01-02
Other ALERUS FINANCIAL CORP ( ALRS ) financial metrics:
FCF:34.34
Unlevered Free Cash Flow:3071.87
EPS:1.04
Operating Margin:8.44
Gross Profit Margin:100.00
Div. Payout Ratio%:519.24
Div. Growth YoY%:8.11
Equity Return%:5.39
Beta:0.81
Buffet's Owners Earnings:34.34
Price to Owner's Earnings:13.20
About ALERUS FINANCIAL CORP ( ALRS ) :
Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers. The company operates in four segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. It offers various deposit products, including demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, checking accounts, and certificates of deposit; and treasury management products, including electronic receivables management, remote deposit capture, cash vault services, merchant services, and other cash management services. The company also provides commercial loans, business term loans, lines of credit, and commercial real estate loans, as well as construction and land development loans; consumer lending products, including residential first mortgage loans; installment loans and lines of credit; and second mortgage loans. In addition, it offers retirement plan administration and investment advisory services, employee stock ownership plan, fiduciary services, payroll, health savings accounts, and other benefit services, as well as individual retirement accounts; and financial planning, investment management, personal and corporate trust, estate administration, and custody services. Further, the company provides debit and credit cards, online banking, mobile banking/wallet, payment, private banking, payroll accounts, flex spending accounts, administration, and government health insurance program services. It offers banking services in North Dakota, Minnesota, and Arizona; and retirement and benefit plans in 50 states through offices located in Michigan, Minnesota, and Colorado. The company was formerly known as First National Bank North Dakota and changed its name to Alerus Financial Corporation in 2000. Alerus Financial Corporation was founded in 1879 and is headquartered in Grand Forks, North Dakota.
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