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Upturn AI SWOT - About
ALRS 
Alerus Financial Corp (ALRS)
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Upturn Advisory Summary
03/27/2025: 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -0.79% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 464.14M USD | Price to earnings Ratio 22.05 | 1Y Target Price 22.6 |
Price to earnings Ratio 22.05 | 1Y Target Price 22.6 | ||
Volume (30-day avg) 63362 | Beta 0.75 | 52 Weeks Range 17.36 - 23.89 | Updated Date 03/30/2025 |
52 Weeks Range 17.36 - 23.89 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 4.37% | Basic EPS (TTM) 0.83 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.72% | Operating Margin (TTM) 16.93% |
Management Effectiveness
Return on Assets (TTM) 0.39% | Return on Equity (TTM) 4.11% |
Valuation
Trailing PE 22.05 | Forward PE - | Enterprise Value 740858240 | Price to Sales(TTM) 2.28 |
Enterprise Value 740858240 | Price to Sales(TTM) 2.28 | ||
Enterprise Value to Revenue 3.62 | Enterprise Value to EBITDA - | Shares Outstanding 25362900 | Shares Floating 22105250 |
Shares Outstanding 25362900 | Shares Floating 22105250 | ||
Percent Insiders 12.29 | Percent Institutions 53.08 |
Analyst Ratings
Rating 3.6 | Target Price 22.4 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
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 the years, it has grown into a diversified financial services company offering banking, mortgage, retirement, and wealth management services.
Core Business Areas
- Banking: Provides a range of deposit accounts, loans, and other banking services to individuals and businesses.
- Retirement and Benefit Services: Offers retirement plan administration, employee benefits, and investment management services.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
- Mortgage: Provides residential mortgage lending services.
Leadership and Structure
Alerus Financial Corp is led by Chairman, President, and CEO Katie Lorenson. The organizational structure includes various departments overseeing banking, wealth management, retirement services, and mortgage operations. Operates through a network of branches and offices.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial real estate loans and business loans, no readily available market share for Alerus, competitors include regional and national banks.
- Retirement Plan Administration: 401(k) and other retirement plan services for businesses, no readily available market share for Alerus, competitors include Fidelity, ADP, and Principal.
- Wealth Management: Investment management and financial planning services, no readily available market share for Alerus, competitors include major brokerage firms and wealth management companies such as Charles Schwab and Fidelity.
- Mortgage Lending: Residential mortgages for home purchases and refinancing, market share is dependent on local geography.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and regulated, with increasing pressure from fintech companies and changing consumer preferences. The banking sector faces challenges from rising interest rates and economic uncertainty.
Positioning
Alerus Financial Corp positions itself as a comprehensive financial solutions provider catering to individuals, families, and businesses primarily in the Midwest. It focuses on relationship-based banking and personalized service.
Total Addressable Market (TAM)
The TAM includes the total market for banking, wealth management, retirement services, and mortgage products in the regions Alerus serves. TAM is very large, estimated in the trillions. Alerus has small presence and targets specific markets.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Strong local presence in key markets
- Experienced management team
- Relationship-focused approach
Weaknesses
- Smaller scale compared to national competitors
- Limited geographic reach
- Dependence on regional economic conditions
- Relatively low brand recognition compared to competitors
Opportunities
- Expanding into new markets within the Midwest
- Acquiring smaller financial institutions
- Leveraging technology to improve efficiency and customer experience
- Growing wealth management business through increased market penetration
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic recession
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- USB
- WFC
- JPM
- ALLY
- WAL
- HBAN
Competitive Landscape
Alerus Financial Corp faces stiff competition from larger national banks and regional players. Its competitive advantage lies in its personalized service and local market knowledge, but it needs to continue innovating and expanding its digital capabilities to compete effectively.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Data should be sourced from Alerus Financial Corporation filings with the SEC or through financial data providers such as Yahoo Finance, Google Finance, Bloomberg, and Refinitiv.
Future Projections: Data should be sourced from analyst reports and financial news sources.
Recent Initiatives: Focus on digital transformation, expansion of wealth management services, and strategic acquisitions.
Summary
Alerus Financial Corporation is a diversified financial services company with a solid foundation and a strong local presence. Its diversified revenue streams provide stability, but its smaller scale and limited geographic reach pose challenges. Opportunities lie in expanding within the Midwest and leveraging technology, but it must navigate a highly competitive landscape and manage economic risks.
Similar Companies
- WAL
- HBAN
- OZK
- BOKF
- FFWM
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Yahoo Finance
- Google Finance
- Analyst Reports
- Refinitiv
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. Investment decisions should be based on thorough research and consultation with a financial advisor.
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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