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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

Alerus Financial Corp (ALRS)

Financial Services Banks - Regional
32.10 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
0.0Mrd. $
Shares Outstanding
25Mio.
Float
92.0%
Beta
0.7

Performance

Perf. 1M
7.40%
Perf. 3M
31.70%
Perf. 6M
43.10%
YTD Performance (%)
36.10%
52-Week-High Distance
-1.0%

Valuation

P/E
29.4
Forward P/E
0.0
PEG
P/B
1.3
P/S
EV/EBITDA
0.0
Price/FCF

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
11.5%
Return on Equity
5.0%
Return on Assets
0.5%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.5
Altman Z
3.54
very solid
Piotroski
8 von 9

Growth

Sales Growth Last Quarter
0.00%
EPS Growth Last Quarter
Sales Growth (Year)
-3.08%
Forward Sales Growth
2.83%
Forward EPS Growth
-12.10%

Dividend

Dividend Yield
2.73%
Dividend Per Share (TTM)
0.85$
Payout Ratio
26.8%
Years Without a Cut
21Years
Increase Streak
21Years

Quality & Screener

Stage
2
RS Rating
77
EPS Rating
50
very solid
Piotroski
8 von 9
Fundamental Rating
B (+21 von 100)
Altman Z
3.54

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Sales Per Quarter ($M)
2024: Q4 · 96.7 Mio. $ Q4 2025: Q1 · 95.3 Mio. $ Q1 2025: Q2 · 101.2 Mio. $ Q2 2025: Q3 · 99.0 Mio. $ Q3 2025: Q4 · 32.3 Mio. $ Q4 2026: Q1 · 97.8 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.00 $ Q4 2025: Q1 · 0.52 $ Q1 2025: Q2 · 0.79 $ Q2 2025: Q3 · 0.66 $ Q3 2025: Q4 · -1.30 $ Q4 2026: Q1 · 0.90 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · -0.1 % Q4 2025: Q1 · 14.0 % Q1 2025: Q2 · 20.0 % Q2 2025: Q3 · 17.1 % Q3 2025: Q4 · -102.4 % Q4 2026: Q1 · 23.5 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 9.5 Mio. $ Q4 2025: Q1 · 7.7 Mio. $ Q1 2025: Q2 · 10.7 Mio. $ Q2 2025: Q3 · 32.8 Mio. $ Q3 2025: Q4 · 16.3 Mio. $ Q4 2026: Q1 · 27.8 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 4.5 Mio. $ Q4 2025: Q1 · 5.7 Mio. $ Q1 2025: Q2 · 7.6 Mio. $ Q2 2025: Q3 · 38.0 Mio. $ Q3 2025: Q4 · 15.3 Mio. $ Q4 2026: Q1 · 25.8 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 114.9 % Q4 2025: Q1 · 28.9 % Q1 2025: Q2 · 26.7 % Q2 2025: Q3 · 24.0 % Q3 2025: Q4 · -66.6 % Q4 2026: Q1 · 2.7 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2025: Q1 · 61.3 % Q1 2025: Q2 · 155.0 % Q2 2025: Q3 · 153.8 % Q3 2026: Q1 · 74.3 % Q1
Price Change in Quarter (%)
2024: Q4 · -15.1 % Q4 2025: Q1 · -3.0 % Q1 2025: Q2 · 18.3 % Q2 2025: Q3 · 3.3 % Q3 2025: Q4 · 2.7 % Q4 2026: Q1 · 6.2 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.00 97 114.90 -0.10 10 5
2025: Q1 0.52 61.30 95 28.90 14.00 8 6
2025: Q2 0.79 155.00 101 26.70 20.00 11 8
2025: Q3 0.66 153.80 99 24.00 17.10 33 38
2025: Q4 -1.30 32 -66.60 -102.40 16 15
2026: Q1 0.90 74.30 98 2.70 23.50 28 26
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Alerus Financial Corporation ist die Bankholding der Alerus Financial, National Association, die verschiedene Finanzdienstleistungen für Unternehmen und Verbraucher in den USA anbietet. Das Unternehmen ist in drei Segmenten tätig: Banking, Retirement and Benefit Services und Wealth.

Employees821
HeadquartersGrand Forks, ND
Websitealerus.com
IPO Date2. Jan 2001
Next Earnings27. Jul 2026

Management

Management
Name Title Birth Year
Daniel Edmund Coughlin Executive Chairman 1963
Katie A. Lorenson CPA President, CEO & Member of Board of Directors 1981
Alan A. Villalon Executive VP & CFO 1974
Karin M. Taylor Executive VP & COO 1968
Jim R. Collins Executive VP and Chief Banking & Revenue Officer 1972
Forrest Rexford Wilson Executive VP & Chief Retirement Services Officer 1970
Kari Koob Director of Accounting 1985
Missy S. Keney Executive VP & Chief Engagement Officer 1982
Joseph Birkholz Chief Risk Officer
Becky Walen CFP Senior VP & Director of Wealth Advisory Services

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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