Alerus Financial Corp (ALRS)

Currency in USD
22.10
-0.27(-1.21%)
Closed·
22.53+0.43(+1.95%)
·
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Fair Value
Day's Range
22.0622.35
52 wk Range
15.7824.33
Key Statistics
Prev. Close
22.37
Open
22.22
Day's Range
22.06-22.35
52 wk Range
15.78-24.33
Volume
70.91K
Average Volume (3m)
78.17K
1-Year Change
11.73%
Book Value / Share
21.68
Fair Value
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Fair Value Upside
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ALRS Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
24.80
Upside
+12.22%
Members' Sentiments
Bearish
Bullish
ProTips
Net income is expected to grow this year

Alerus Financial Corp News & Analysis

Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Strong Sell

Alerus Fin Company Profile

Alerus Financial Corporation operates as the bank holding company for Alerus Financial, National Association that provides various financial services to businesses and consumers in the United States. The company operates through three segments: Banking, Retirement and Benefit Services, and Wealth. It offers demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, noninterest-bearing deposits, interest-bearing checking accounts, and certificates of deposit; and treasury management products, including electronic receivables management, remote deposit capture, cash vault, merchant, and other cash management services. The company also provides commercial loans, business term loans, and lines of credit; commercial real estate, and commercial and industrial loans; consumer lending products, including residential first mortgage loans; and installment loans, and loans collateralized by cash and marketable securities. In addition, it offers retirement plan, and investment advisory services, employee stock ownership plan, investment fiduciary services, health savings accounts, flex spending accounts, COBRA recordkeeping, and other administration 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 cards, personal and business loans, credit cards, online and mobile banking/wallet, private banking, deposit and payment solutions, administration, and government health insurance program services. 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.

Sector
Financial
Employees
869

Alerus Financial Corp SWOT Analysis


Strategic Expansion
Alerus Financial's acquisition of HMN Financial marks a significant move into the Rochester, Minnesota market, potentially transforming its competitive landscape
Financial Projections
Analysts anticipate a substantial 45% boost to earnings per share by fiscal year 2025, with a favorable 2.2-year tangible book value dilution earn back period
Market Sentiment
Despite trading above intrinsic value, Alerus maintains a "Market Perform" rating with price targets ranging from $22 to $25, reflecting cautious optimism
Future Prospects
The acquisition promises market expansion, operational synergies, and revenue diversification, but integration challenges and economic factors may impact success
Read full SWOT analysis

Alerus Financial Corp Earnings Call Summary for Q3/2025

  • Alerus Financial exceeded Q3 2025 forecasts with EPS of $0.66 (11.86% above expectations) and revenue of $72.5 million, despite stock closing down 1.08% at $21.21
  • Net interest income increased 0.2% quarter-over-quarter with stable 3.5% margin, while fee income declined 7.3% due to one-time items but still comprised over 40% of total revenues
  • Company targets over $4.1 billion in loans and $4.3 billion in deposits by end-2025, projecting mid-single digit loan growth and low single-digit deposit growth for 2026
  • Net interest margin is expected to range between 3.35% and 3.45% in upcoming quarters, with potential for 9-10% loan growth if interest rate cuts materialize
  • CEO Katie Lorentzen emphasized the company's 'diversified business model' as its 'ultimate differentiator' and expressed confidence in Alerus's strategy and future opportunities
Last Updated: 31/10/2025, 18:36
Read Full Transcript

Compare ALRS to Peers and Sector

Metrics to compare
ALRS
Peers
Sector
Relationship
P/E Ratio
11.2x3.5x9.7x
PEG Ratio
0.01−0.060.03
Price/Book
1.0x0.9x1.0x
Price / LTM Sales
2.0x1.4x2.9x
Upside (Analyst Target)
13.1%22.9%12.0%
Fair Value Upside
Unlock−5.7%0.8%Unlock

Analyst Ratings

2 Buy
3 Hold
0 Sell
Ratings:
5 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 24.80
(+12.22% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Piper Sandler
Hold24.00+8.60%25.50Maintain04/11/2025
Keefe, Bruyette & Woods
Hold24.00+8.60%25.00Maintain03/11/2025
Piper Sandler
Hold25.50+15.38%24.00Maintain30/07/2025
DA Davidson
Hold25.00+13.12%20.00Maintain29/07/2025
Raymond James
Buy27.00+22.17%24.00Maintain29/07/2025

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 1.95%
Dividend Yield
3.80%
Industry Median 3.16%
Annualised payout
0.84
Paid quarterly
5-Years Growth
+6.45%
Growth Streak

Earnings

Latest Release
Oct 30, 2025
EPS / Forecast
0.66 / 0.59
Revenue / Forecast
72.50M / 71.41M
EPS Revisions
Last 90 days

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FAQ

What Is the Alerus Fin (ALRS) Share Price Today?

The live Alerus Fin share price today is 22.10

What Stock Exchange Does Alerus Fin (ALRS) Trade On?

Alerus Fin is listed and trades on the Nasdaq Stock Exchange.

What Is the Ticker (Stock Symbol) for Alerus Fin?

The stock symbol (also called a 'ticker') for Alerus Fin is "ALRS."

Does Alerus Fin Pay Dividends? What’s The Current ALRS Dividend Yield?

Yes, ALRS Pays Dividends to its Shareholders. The current Alerus Fin dividend yield is 3.8%.

What Is the Current Alerus Fin Market Cap?

As of today, Alerus Fin market capitalisation is 561.28M.

What Is Alerus Fin's (ALRS) Earnings Per Share (TTM)?

The Alerus Fin EPS is currently 1.95 (Trailing Twelve Months).

When Is the Next Alerus Fin Earnings Date?

Alerus Fin's next earnings report will be released on 28 Jan 2026.

Is ALRS a Buy or Sell From a Technical Analyst Perspective?

Based on today's Alerus Fin moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has Alerus Fin Stock Split?

Alerus Fin has split 3 times. (See the ALRS stock split history page for full effective split date and price information.)

How Many Employees Does Alerus Fin Have?

Alerus Fin has 869 employees.

What is the current trading status of Alerus Fin (ALRS)?

As of 24 Dec 2025, Alerus Fin (ALRS) is trading at a price of 22.10, with a previous close of 22.37. The stock has fluctuated within a day range of 22.06 to 22.35, while its 52-week range spans from 15.78 to 24.33.

What Is Alerus Fin (ALRS) Price Target According to Analysts?

The average 12-month price target for Alerus Fin is USD24.8, with a high estimate of USD25 and a low estimate of USD24. 2 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +12.22% Upside potential.

What Is the ALRS After Hours Price?

ALRS's last after hours stock price is 22.53, the stock has decreased by 0.43, or 1.95%.
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