Alerus Financial Corp. (ALRS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Esquire Financial Holdings, Inc.

Banco Latinoamericano de Comercio Exterior SA

QCR Holdings, Inc.

Nicolet Bankshares, Inc.

Old Second Bancorp, Inc.

Amerant Bancorp, Inc.

First Financial Corp. (Indiana)

Farmers National Banc Corp.

The First Bancshares, Inc. (Mississippi)

Alerus Financial Corp.

American National Bankshares, Inc. (Virginia)

Why is Alerus Financial Corp. ?

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

With ROA of 0.18%, it has a expensive valuation with a 1.06 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 50.74%, its profits have fallen by -16.7%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Alerus Financial Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Alerus Financial Corp.

43.61%

3.06

25.01%

S&P 500

16.26%

1.21

13.22%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

23.82%

EBIT Growth (5y)

-22.23%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

122.09%

Pledged Shares

Institutional Holding

68.94%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.06

EV to EBIT

156.83

EV to EBITDA

37.08

EV to Capital Employed

1.04

EV to Sales

3.00

PEG Ratio

Dividend Yield

2.79%

ROCE (Latest)

0.66%

ROE (Latest)

3.09%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 92.87 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 30.25 MM

OPERATING PROFIT MARGIN(Q)

Highest at 45.16 %

PRE-TAX PROFIT(Q)

Highest at USD 30.25 MM

NET PROFIT(Q)

Highest at USD 22.77 MM

EPS(Q)

Highest at USD 0.89

-10What is not working for the Company

NET PROFIT(HY)

At USD -9.81 MM has Grown at -159.69%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 23.69%

NET SALES(Q)

Lowest at USD 66.98 MM

Here's what is working for Alerus Financial Corp.

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 92.87 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 30.25 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 45.16 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 30.25 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 30.25 MM has Grown at 72.26%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 22.77 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 22.77 MM has Grown at 72.25%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.89

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Alerus Financial Corp.

Net Sales

Lowest at USD 66.98 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Dividend Payout Ratio

Lowest at 23.69%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)