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Upturn AI SWOT - About
ALRS 
Alerus Financial Corp (ALRS)
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Upturn Advisory Summary
11/04/2025: ALRS (1-star) is currently NOT-A-BUY. Pass it for now.
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 $24.5
1 Year Target Price $24.5
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.06% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 536.38M USD | Price to earnings Ratio 14.08 | 1Y Target Price 24.5 |
Price to earnings Ratio 14.08 | 1Y Target Price 24.5 | ||
Volume (30-day avg) 5 | Beta 0.71 | 52 Weeks Range 15.49 - 24.11 | Updated Date 11/3/2025 |
52 Weeks Range 15.49 - 24.11 | Updated Date 11/3/2025 | ||
Dividends yield (FY) 3.88% | Basic EPS (TTM) 1.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-30 | When After Market | Estimate 0.59 | Actual 0.65 |
Profitability
Profit Margin 18.31% | Operating Margin (TTM) 34.09% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 10.76% |
Valuation
Trailing PE 14.08 | Forward PE - | Enterprise Value 738996032 | Price to Sales(TTM) 1.95 |
Enterprise Value 738996032 | Price to Sales(TTM) 1.95 | ||
Enterprise Value to Revenue 3.2 | Enterprise Value to EBITDA - | Shares Outstanding 25396686 | Shares Floating 23325332 |
Shares Outstanding 25396686 | Shares Floating 23325332 | ||
Percent Insiders 8.46 | Percent Institutions 56.93 |
Upturn AI SWOT
Alerus Financial Corp
Company Overview
History and Background
Alerus Financial Corporation was founded in 1903 as a bank in Grand Forks, North Dakota. Over time, it has expanded its services to include wealth management, retirement planning, and mortgage services, evolving into a diversified financial services company.
Core Business Areas
- Banking: Provides a full range of banking services, including checking and savings accounts, loans, and other traditional banking products for individuals and businesses.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals, families, and businesses.
- Retirement & Benefit Services: Provides retirement plan administration, employee benefits consulting, and actuarial services to businesses of all sizes.
- Mortgage: Provides mortgage lending services.
Leadership and Structure
Alerus Financial Corp. is led by its CEO and executive management team. The organizational structure includes various departments aligned with its core business areas, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Banking Services: Includes checking accounts, savings accounts, loans (commercial, agricultural, and consumer), and other deposit products. Market share data is geographically specific (Upper Midwest). Competitors include regional and national banks like US Bancorp, Wells Fargo, and local credit unions.
- Wealth Management Services: Encompasses financial planning, investment management, and trust services. Market share data is difficult to pinpoint precisely, but Alerus competes with national firms like Fidelity, Schwab, and local advisory firms.
- Retirement Plan Administration: Includes 401(k) plan administration, actuarial services, and employee benefits consulting. Competitors include ADP, Paychex, and various independent retirement plan providers.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing regulation, technological disruption, and evolving customer expectations. Interest rate environments significantly impact profitability.
Positioning
Alerus positions itself as a full-service financial institution with a focus on relationship-based banking and comprehensive financial solutions. Its competitive advantages lie in its local market knowledge and integrated service offerings.
Total Addressable Market (TAM)
The TAM for banking, wealth management, and retirement services is substantial, totaling trillions of dollars in the US. Alerus, with a regional focus, captures a small but significant portion of this market, focusing on relationship banking within the region.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Diversified revenue streams
- Comprehensive suite of financial services
- Relationship-based banking approach
- Strong capital position
Weaknesses
- Limited geographic reach
- Smaller scale compared to national competitors
- Exposure to regional economic conditions
- Higher reliance on traditional banking services compared to tech-enabled alternatives
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking technologies
- Cross-selling opportunities across business lines
- Acquisition of smaller financial institutions
- Growth in wealth management due to demographic trends
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Regulatory changes increasing compliance costs
- Economic downturns affecting loan quality and asset values
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- USB
- WFC
- JPM
Competitive Landscape
Alerus faces competition from larger national banks with greater resources, but differentiates itself through its local focus and personalized service. Fintech companies also present a challenge by offering specialized financial products.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is dependent on company financial reports
Future Projections: Analyst estimates need financial reports to be built upon
Recent Initiatives: Recent initiatives need news reports and financial releases for analysis.
Summary
Alerus Financial Corp. is a diversified financial services company with a strong local presence. Its comprehensive suite of services and relationship-based approach are key strengths. Limited geographic reach and competition from larger players pose challenges. It needs to capitalize on digital technologies and expand into new markets to enhance its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial performance analysis is based on publicly available information and subject to change.
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 | President, CEO & Director Ms. Katie A. Lorenson CPA | ||
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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