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Upturn AI SWOT - About
ALRS 
Alerus Financial Corp (ALRS)
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Upturn Advisory Summary
09/18/2025: ALRS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $25.7
1 Year Target Price $25.7
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.94% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/18/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 577.77M USD | Price to earnings Ratio 15.17 | 1Y Target Price 25.7 |
Price to earnings Ratio 15.17 | 1Y Target Price 25.7 | ||
Volume (30-day avg) 5 | Beta 0.72 | 52 Weeks Range 15.63 - 24.33 | Updated Date 09/17/2025 |
52 Weeks Range 15.63 - 24.33 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 3.60% | Basic EPS (TTM) 1.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.35% | Operating Margin (TTM) 38.86% |
Management Effectiveness
Return on Assets (TTM) 0.8% | Return on Equity (TTM) 8.54% |
Valuation
Trailing PE 15.17 | Forward PE - | Enterprise Value 879939008 | Price to Sales(TTM) 2.29 |
Enterprise Value 879939008 | Price to Sales(TTM) 2.29 | ||
Enterprise Value to Revenue 3.26 | Enterprise Value to EBITDA - | Shares Outstanding 25396307 | Shares Floating 23324984 |
Shares Outstanding 25396307 | Shares Floating 23324984 | ||
Percent Insiders 8.46 | Percent Institutions 56.85 |
Upturn AI SWOT
Alerus Financial Corp
Company Overview
History and Background
Alerus Financial Corporation, founded in 1903, began as a bank in Grand Forks, North Dakota. It has evolved into a diversified financial services company through organic growth and strategic acquisitions, expanding its services beyond traditional banking to include retirement and wealth management.
Core Business Areas
- Banking: Provides a full range of banking products and services to individuals and businesses, including checking and savings accounts, loans, and treasury management services.
- Retirement and Benefit Services: Offers retirement plan administration, employee benefits consulting, and actuarial services to businesses of all sizes.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
- Mortgage: Offers mortgage lending services to consumers through branches and online.
Leadership and Structure
Alerus Financial Corp is led by its CEO, Katie Lorenson. The organizational structure includes executive leadership overseeing each of the core business areas, supported by functional departments such as finance, marketing, and human resources.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for businesses. Market share data is difficult to pinpoint precisely at this level of granularity but competes with other regional and national banks. Competitors include US Bank, Wells Fargo, and regional players.
- Retirement Plan Administration: Administers 401(k) and other retirement plans for businesses. Market share varies by region. Competitors include Fidelity, Vanguard, and T. Rowe Price.
- Wealth Management Services: Provides investment management and financial planning to individuals and families. Market share information is not publicly disclosed. Competitors include major brokerage firms and wealth management companies.
Market Dynamics
Industry Overview
The financial services industry is currently facing increased regulatory scrutiny, rising interest rates, and increasing competition from both traditional and non-traditional players (fintech companies). The market is driven by economic growth, demographic trends, and technological advancements.
Positioning
Alerus Financial Corp is positioned as a community-focused financial institution offering a comprehensive suite of financial services. Its competitive advantage lies in its strong relationships with customers, personalized service, and diversified revenue streams.
Total Addressable Market (TAM)
The TAM for financial services is vast, encompassing banking, wealth management, and retirement services. Alerus Financial Corp is well-positioned to capture a share of this market through its diversified offerings and customer-centric approach. Estimated TAM is multi-trillion dollar with Alerus having a niche market share
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong customer relationships
- Experienced management team
- Comprehensive suite of financial services
- Strong presence in the Upper Midwest
Weaknesses
- Smaller scale compared to national competitors
- Geographic concentration
- Limited brand recognition outside the Upper Midwest
- Dependence on regional economy
- Relatively low dividend yield
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking services
- Acquisition of smaller financial institutions
- Growth in wealth management and retirement services
- Partnerships with fintech companies
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- USB
- WFC
- CMA
Competitive Landscape
Alerus Financial Corp faces intense competition from larger national banks and regional players. To compete effectively, Alerus focuses on providing personalized service, building strong customer relationships, and offering a comprehensive suite of financial services.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on financial performance data (revenues, profits), which is not available in this real-time simulation.
Future Projections: Future projections are based on analyst estimates and market forecasts, which are not available in this real-time simulation.
Recent Initiatives: Recent initiatives may include acquisitions, new product launches, and expansions into new markets. Public information should be consulted for current data.
Summary
Alerus Financial Corp is a diversified financial services company that is working to provide a strong offering for its customers. Its strengths include diversified revenue, but its relatively small scale may affect its competitive positioning. The company needs to watch out for increased competition from larger institutions and potential economic downturns. It should focus on digital adoption and expand geographically.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data Providers
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not investment advice. Market share data is estimated and may not be precise. Real-time and predictive data were unavailable for this simulation.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Alerus Financial Corp
Exchange NASDAQ | Headquaters Grand Forks, ND, United States | ||
IPO Launch date 2001-01-02 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 846 | Website https://www.alerus.com |
Full time employees 846 | Website https://www.alerus.com | ||
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.
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