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Upturn AI SWOT - About
ALRS 
Alerus Financial Corp (ALRS)
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Upturn Advisory Summary
08/28/2025: 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 $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 11.16% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 565.83M USD | Price to earnings Ratio 14.85 | 1Y Target Price 25.7 |
Price to earnings Ratio 14.85 | 1Y Target Price 25.7 | ||
Volume (30-day avg) 5 | Beta 0.72 | 52 Weeks Range 15.63 - 24.33 | Updated Date 08/28/2025 |
52 Weeks Range 15.63 - 24.33 | Updated Date 08/28/2025 | ||
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 14.85 | Forward PE - | Enterprise Value 879684992 | Price to Sales(TTM) 2.24 |
Enterprise Value 879684992 | Price to Sales(TTM) 2.24 | ||
Enterprise Value to Revenue 3.26 | Enterprise Value to EBITDA - | Shares Outstanding 25388800 | Shares Floating 23324984 |
Shares Outstanding 25388800 | Shares Floating 23324984 | ||
Percent Insiders 8.46 | Percent Institutions 56.56 |
Upturn AI SWOT
Alerus Financial Corp
Company Overview
History and Background
Alerus Financial Corporation, founded in 1879, began as a community bank in Grand Forks, North Dakota. Over time, it expanded its services beyond traditional banking to include wealth management, retirement, and benefit services, becoming a diversified financial services company.
Core Business Areas
- Banking: Provides a range of banking products and services, including deposit accounts, loans, and payment solutions to individuals and businesses.
- Wealth Management: Offers investment management, financial planning, trust, and estate services to individuals, families, and institutions.
- Retirement and Benefit Services: Delivers retirement plan administration, recordkeeping, and actuarial services to businesses of all sizes.
Leadership and Structure
Alerus Financial Corp is led by its executive management team, headed by the CEO. The organizational structure includes various departments responsible for different business segments, such as banking, wealth management, and retirement services. The board of directors provides oversight and guidance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share varies regionally. Competitors include large national banks like JPMorgan Chase (JPM), Bank of America (BAC), and regional banks like U.S. Bancorp (USB).
- Wealth Management Services: Investment advisory and financial planning. Market share dependent on region and client demographics. Competitors include Charles Schwab (SCHW), Fidelity, and other regional wealth management firms.
- Retirement Plan Services: 401(k) administration and other retirement plan services. Market share based on assets under administration. Competitors include ADP (ADP), Paychex (PAYX), and Fidelity.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, technological advancements, and economic cycles. Trends include increased digitalization, focus on customer experience, and rising interest rates.
Positioning
Alerus Financial Corp positions itself as a comprehensive financial solutions provider, offering a range of services to meet the diverse needs of its clients. Its competitive advantages include a strong regional presence and personalized service.
Total Addressable Market (TAM)
The total addressable market is large and encompasses banking, wealth management, and retirement services. Alerus Financial Corp is positioned to capture a share of this market through its diversified offerings and regional focus.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong regional presence
- Experienced management team
- Commitment to customer service
Weaknesses
- Limited geographic reach compared to larger competitors
- Dependence on interest rate environment
- Smaller marketing budget compared to large national banks
Opportunities
- Expansion into new geographic markets
- Acquisition of smaller financial institutions
- Increased digitalization of services
- Growth in wealth management due to aging population
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns impacting loan demand and asset values
- Regulatory changes increasing compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- USB
- SCHW
- ADP
- PAYX
Competitive Landscape
Alerus competes with larger national banks and regional players. Its advantages include strong customer relationships and local expertise, while its disadvantages include limited scale and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Alerus has experienced growth through organic expansion and acquisitions. Refer to annual reports for detailed historical growth data.
Future Projections: Analyst projections vary. See financial news sources for future growth estimates.
Recent Initiatives: Recent initiatives could include digital transformation, new product launches, or expansion into new markets.
Summary
Alerus Financial Corp is a regional financial services company offering banking, wealth management, and retirement services. The company has a diversified business model and a strong regional presence but faces competition from larger national players. Its focus on customer service and local expertise are key strengths. Managing interest rate risk and expanding geographically are important considerations for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Investor relations website
- Financial news sources
- Market research reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are 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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