ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Alerus Financial Corp. ?
1
High Profitability with a Net Interest Margin of 6.39%
2
Strong Long Term Fundamental Strength with a 5.88% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Outstanding results in Jun 25
- The company has declared positive results for the last 2 consecutive quarters
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NII(Q) Highest at USD 43.03 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 93.25%
4
With ROA of 0.29%, it has a fair valuation with a 1.05 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -0.99%, its profits have risen by 177.1% ; the PEG ratio of the company is 0.2
5
High Institutional Holdings at 60.06%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.67% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Alerus Financial Corp. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Alerus Financial Corp. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Alerus Financial Corp.
2.2%
0.60
30.17%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.62%
EBIT Growth (5y)
0.40%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
94.93%
Pledged Shares
0
Institutional Holding
60.06%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
1.05
EV to EBIT
40.09
EV to EBITDA
19.31
EV to Capital Employed
1.04
EV to Sales
2.94
PEG Ratio
0.17
Dividend Yield
2.94%
ROCE (Latest)
2.59%
ROE (Latest)
5.40%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend35What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 43.03 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 93.25%
NET SALES(Q)
Highest at USD 70.42 MM
OPERATING PROFIT(Q)
Highest at USD 26.36 MM
OPERATING PROFIT MARGIN(Q)
Highest at 37.43 %
PRE-TAX PROFIT(Q)
Highest at USD 26.36 MM
NET PROFIT(Q)
Highest at USD 20.05 MM
EPS(Q)
Highest at USD 0.78
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 16.18 MM
CASH AND EQV(HY)
Lowest at USD 163.88 MM
Here's what is working for Alerus Financial Corp.
Pre-Tax Profit
At USD 26.36 MM has Grown at 224.15%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 20.05 MM has Grown at 224.93%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 43.03 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 70.42 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 70.42 MM has Grown at 32.82%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 26.36 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 37.43 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 26.36 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 20.05 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.78
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 93.25%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Alerus Financial Corp.
Operating Cash Flow
Lowest at USD 16.18 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Cash and Eqv
Lowest at USD 163.88 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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