Alerus Financial stock
ALRSNASDAQAlerus Financial Corporation, Financial ServicesISIN US01446U1034
52Score 52 out of 100, Neutral
Price and trend
85 / 100
Price history
+58% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 18% above it.
Since June 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 69).
The price is 1.0% below its 52-week high. Largest decline in 20 years: 63% (November 2021 to May 2023).
Chart figures for advanced users
- SMA 50$32.59
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$29.22
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)69
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$21.06
- The lowest closing price of the last twelve months.
- Resistance$34.83
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Alerus Financial Corporation belongs to the Banks (Regional) industry (United States) and, with a market value of $853.23M, is number 315 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $220.72M (down 1.4% year on year) and earnings of $17.44M (down 1.9%).
- MEQIRI Score 52 out of 100 (Neutral): rank 832 of 976 in Financial Services, median 68.
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- Our model puts fair value at $16.83, with the price 105% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for over 33 years.
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 69
Weaknesses
- DilutionShare count up 48% since 2020.Capital allocation 31
- Above fair valuePrice 105% above the fair value of $16.83.Valuation 5
- Margin fallingOperating margin 10.2%, average of the prior years 25% (to 2024).Profitability 30
Its standout strengths are momentum and technical analysis, while growth and valuation hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
- price near its 52-week high
- stable momentum
Valuation
Valuation signal
Significantly overvaluedIn our model the price counts as cheap below $14.02 and expensive above $21.03 (uncertainty low, based on the price swings of the past year).
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $14.02, at 7.8% it would be $21.03.
Valuation metrics
From the dividend model alone; the profit includes one-off items, so there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the quarter to 30 Sep 2026, revenue rose 13.3% on the same quarter a year earlier. Revenue has grown solidly since 2008, at about 6% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 10%, net 8%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 27 Jan 2027in 76 days
- Last reported
- 28 Oct 2026EPS reported $0.71 (expected $0.66)above expectations
Analyst estimates
Analysts have raised their 2027 earnings estimate by 4.0% since 15 Oct 2026.
- Earnings per share
- $3.11+3.0%
- Revenue
- $316.38M+1.7%
- Earnings per share
- $2.92+4.0%
- Revenue
- $325.54M+2.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +2.8%Alerus confirms its full year 2026 guidance: net interest margin of 3.75% to 3.85%, mid-single-digit loan growth, and adjusted return on assets above 1.25%.
“Full year reported net interest margin of 3.75% to 3.85%.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 29 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $61,165 in total. One insider sold, $19,779 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Alerus Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 52
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Great Southern BancorpGSBC $870.47M68
- Orrstown Financial ServicesORRF $867.47M77
- AGIAGBK $862.03M72
- First Community BanksharesFCBC $856.71M63
- Thurgauer KantonalbankTKBP.SW $843.5M59
- River City BankRCBC $834.66M83
- Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-FranceCAF.PA $824.12M48
- Peapack-Gladstone FinancialPGC $821.03M68
ETFs that hold Alerus Financial
Held by 5 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.04% | 0.29% | €182.46M |
| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.04% | 0.35% | €204.34M |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.03% | 0.30% | €4.22B |
Show 1 more
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.03% | 0.30% | €2.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 31 Oct 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.