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

Banco Latinoamericano de Comercio Exterior SA

Esquire Financial Holdings, Inc.

Old Second Bancorp, Inc.

First Financial Corp. (Indiana)

Amerant Bancorp, Inc.

Nicolet Bankshares, Inc.

QCR Holdings, Inc.

Farmers National Banc Corp.

The First Bancshares, Inc. (Mississippi)

American National Bankshares, Inc. (Virginia)

Alerus Financial Corp.

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
GROSS NPA (%)(Q) Highest at 1.63%
PRE-TAX PROFIT(Q) Lowest at USD -43.35 MM
NET PROFIT(Q) Lowest at USD -33.05 MM

With ROA of 0.19%, 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 27.87%, its profits have fallen by -19%

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.

28.4%

0.97

30.64%

S&P 500

13.68%

0.71

19.28%

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)

-21.11%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

122.06%

Pledged Shares

Institutional Holding

68.09%

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

88.80

EV to EBITDA

38.95

EV to Capital Employed

1.04

EV to Sales

3.15

PEG Ratio

Dividend Yield

2.09%

ROCE (Latest)

1.17%

ROE (Latest)

3.01%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

No Trend

Bullish

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 44.41 MM

NII(Q)

Highest at USD 45.17 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 96.57%

-19What is not working for the Company

GROSS NPA (%)

PRE-TAX PROFIT(Q)

Lowest at USD -43.35 MM

NET PROFIT(Q)

Lowest at USD -33.05 MM

EPS(Q)

Lowest at USD -1.3

Here's what is working for Alerus Financial Corp.

NII

Highest at USD 45.17 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 44.41 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

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)

Credit Deposit Ratio

Highest at 96.57%

in the last four Semi-Annual periods

MOJO 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.

Pre-Tax Profit

At USD -43.35 MM has Fallen at -1,146.29%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -33.05 MM has Fallen at -1,125.76%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 1.63%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Pre-Tax Profit

Lowest at USD -43.35 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD -33.05 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD -1.3

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)