Alerus Financial Corporation (ALRS) is a Banks - Regional company in the Financial Services sector, currently trading at $25.20. It has a SharesGrow Score of 49/100, indicating a mixed investment profile with 1 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of ALRS = $38.12 (+51.3% from the current price, the stock appears undervalued). Analyst consensus target is ALRS = $29 (+15.1% upside).
Valuation: ALRS trades at a trailing Price-to-Earnings (P/E) of 36.4 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 5.95.
Financials: revenue is $328M, +14.5%/yr average growth. Net income is $17M, growing at -6.9%/yr. Net profit margin is 5.3% (thin). Gross margin is 67.2% (-25.8 pp trend).
Balance sheet: total debt is $441M against $565M equity (Debt-to-Equity (D/E) ratio 0.78, moderate). Current ratio is 0.29 (tight liquidity). Debt-to-assets is 8.4%. Total assets: $5.2B.
Analyst outlook: 1 / 5 analysts rate ALRS as buy (20%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 38/100 (Fail), Growth 48/100 (Partial), Past 100/100 (Pass), Health 17/100 (Fail), Moat 49/100 (Partial), Future 46/100 (Partial), Income 45/100 (Partial).
