Stocktoria
ALERUS FINANCIAL CORP ALRS
ALERUS FINANCIAL CORP (ALRS) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 2.69% (safety: at-risk).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ALRS | ALERUS FINANCIAL CORP | 3/9 | — | 44.4 | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About ALERUS FINANCIAL CORP
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 in 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, mortgages, 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.
FAQ
Is ALRS financially healthy?
ALERUS FINANCIAL CORP's Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does ALRS pay a dividend, and is it safe?
Yes. ALERUS FINANCIAL CORP pays a dividend yielding about 2.69% with a 119.4% payout ratio, rated “at-risk” for safety.
How profitable is ALRS?
In FY2025, ALERUS FINANCIAL CORP had a return on equity of 3.1%.
Is ALRS overvalued or undervalued?
ALERUS FINANCIAL CORP trades at about 49.8× trailing earnings — above its 10-year norm (10-year range 9.5×–39.2×, median 11.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ALRS?
The average Wall-Street price target for ALERUS FINANCIAL CORP is $29.75, about 12.1% below the recent price, from 4 analysts (consensus: hold).
Is ALRS a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on ALERUS FINANCIAL CORP: a Piotroski F-score of 3/9, a P/E of about 44.4×, a dividend yield of 2.69%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.