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Upturn AI SWOT - About
ALRS 
Alerus Financial Corp (ALRS)
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Upturn Advisory Summary
07/03/2025: 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 $22.8
1 Year Target Price $22.8
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.22% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 579.35M USD | Price to earnings Ratio 22.17 | 1Y Target Price 22.8 |
Price to earnings Ratio 22.17 | 1Y Target Price 22.8 | ||
Volume (30-day avg) 5 | Beta 0.71 | 52 Weeks Range 15.63 - 23.67 | Updated Date 07/3/2025 |
52 Weeks Range 15.63 - 23.67 | Updated Date 07/3/2025 | ||
Dividends yield (FY) 3.74% | Basic EPS (TTM) 1.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11% | Operating Margin (TTM) 29.84% |
Management Effectiveness
Return on Assets (TTM) 0.51% | Return on Equity (TTM) 5.57% |
Valuation
Trailing PE 22.17 | Forward PE - | Enterprise Value 740294912 | Price to Sales(TTM) 2.58 |
Enterprise Value 740294912 | Price to Sales(TTM) 2.58 | ||
Enterprise Value to Revenue 3.57 | Enterprise Value to EBITDA - | Shares Outstanding 25365700 | Shares Floating 23297092 |
Shares Outstanding 25365700 | Shares Floating 23297092 | ||
Percent Insiders 8.46 | Percent Institutions 53.99 |
Upturn AI SWOT
Alerus Financial Corp
Company Overview
History and Background
Alerus Financial Corporation was founded in 1903 in Grand Forks, North Dakota. Originally named the First National Bank of Grand Forks, it has evolved from a traditional community bank into a diversified financial services company offering banking, mortgage, retirement, and wealth management solutions.
Core Business Areas
- Banking: Provides a range of deposit and loan products to individuals and businesses, including checking and savings accounts, commercial loans, and consumer loans.
- Retirement and Benefit Services: Offers retirement plan administration, investment management, and employee benefits consulting services to businesses and individuals.
- Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals and families.
- Mortgage: Offers mortgage origination and servicing.
Leadership and Structure
Alerus Financial Corp is led by a board of directors and a senior management team. The organizational structure is typical of a publicly traded financial services company, with distinct business lines managed by experienced professionals.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Alerus competes with other regional and national banks. Market share data is not publicly available at granular product level.
- Retirement Plan Administration: Administration of 401(k) and other retirement plans for businesses. Competitors include large recordkeepers like Fidelity, Vanguard, and Principal. Market share data not available at product level for Alerus specifically.
- Wealth Management Services: Financial planning and investment advice for high-net-worth individuals. Competitors are regional advisory firms and national wirehouses like Merrill Lynch and Morgan Stanley. Market share data is not publicly available at granular product level.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes and economic conditions. Key trends include increasing digitization, consolidation, and a focus on customer experience.
Positioning
Alerus Financial Corp positions itself as a comprehensive financial solutions provider, emphasizing its customer service and relationship-based approach. Competitive advantages include its local market presence and diversified service offerings.
Total Addressable Market (TAM)
The TAM for the services Alerus offers is in the hundreds of billions when considering banking, wealth management and retirement services. Alerus is a small regional bank, and therefore, their total revenue only captures a small fraction of the total addressable market.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong customer relationships
- Experienced management team
- Local market presence
Weaknesses
- Smaller scale compared to national competitors
- Limited geographic reach
- Dependence on local economic conditions
- Lower brand recognition than national firms
Opportunities
- Expansion into new markets
- Increased demand for financial planning services
- Growth in retirement plan assets
- Technological innovation
Threats
- Increased competition from national banks and fintech companies
- Economic downturn
- Regulatory changes
- Interest rate volatility
Competitors and Market Share
Key Competitors
- USB
- WFC
- JPM
Competitive Landscape
Alerus faces competition from larger national banks with greater resources. Its advantage is its regional focus, personalized service, and diversified offerings. Disadvantages include limited geographic reach and lower brand recognition compared to its larger rivals.
Growth Trajectory and Initiatives
Historical Growth: Requires past years' revenue and profit data to determine historical growth trends.
Future Projections: Requires access to analyst reports and company guidance for forward-looking estimates.
Recent Initiatives: Requires access to company press releases and investor presentations to identify strategic initiatives.
Summary
Alerus Financial Corporation is a regional bank that is attempting to compete against much larger national banks. They have a diversified business model, which can help provide different streams of revenue to help the company grow, but they are dependent on local economic conditions and face competition from much larger entities. The keys to growth for Alerus Financial include capitalizing on the potential growth for financial planning services and expanding into new markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is approximate and may vary. Future performance is not guaranteed.
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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