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Last update at 2025-05-19T18:56:00Z
Source: TradingView
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| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 52.18M | 69.08M | 58.52M | 38.90M | 33.04M |
| Minority interest | - | - | - | - | 0.00000M |
| Net income | 40.01M | 52.68M | 44.67M | 29.54M | 25.87M |
| Selling general administrative | 80.66M | 93.39M | 89.21M | 74.02M | 87.27M |
| Selling and marketing expenses | 3.25M | 3.18M | 3.13M | 3.16M | 3.46M |
| Gross profit | 208.77M | 230.24M | 228.18M | 185.89M | 175.82M |
| Reconciled depreciation | 4.75M | 4.38M | 8.93M | 8.77M | 8.73M |
| Ebit | 71.51M | 69.08M | 58.52M | 38.90M | 45.52M |
| Ebitda | 76.27M | 73.46M | 62.48M | 42.98M | 54.24M |
| Depreciation and amortization | 4.75M | 4.38M | 3.96M | 4.08M | 8.73M |
| Non operating income net other | - | - | - | - | 0.00000M |
| Operating income | 71.51M | 69.08M | 58.52M | 38.90M | 45.52M |
| Other operating expenses | -137.25500M | -161.15900M | -169.66000M | -146.99600M | 130.30M |
| Interest expense | 15.85M | 5.56M | 12.26M | 18.75M | 12.48M |
| Tax provision | 12.18M | 16.40M | 13.84M | 9.36M | 7.17M |
| Interest income | 115.58M | 92.66M | 96.10M | 93.30M | 87.70M |
| Net interest income | 99.73M | 87.10M | 83.85M | 74.55M | 75.22M |
| Extraordinary items | - | - | - | - | 0.00000M |
| Non recurring | - | - | - | - | 0.00000M |
| Other items | - | - | - | - | 0.00000M |
| Income tax expense | 12.18M | 16.40M | 13.84M | 9.36M | 7.17M |
| Total revenue | 208.77M | 230.24M | 228.18M | 185.89M | 175.82M |
| Total operating expenses | -137.25500M | -161.15900M | -169.66000M | -146.99600M | -130.30400M |
| Cost of revenue | - | - | - | - | 0.00000M |
| Total other income expense net | -19.33200M | -5.55800M | -12.25600M | -18.74900M | -12.47800M |
| Discontinued operations | - | - | - | - | 0.00000M |
| Net income from continuing ops | 40.01M | 52.68M | 44.67M | 29.54M | 25.87M |
| Net income applicable to common shares | 40.01M | 52.68M | 44.67M | 28.89M | 25.87M |
| Preferred stock and other adjustments | - | - | - | - | 0.00000M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 3916.16M | 3779.64M | 3392.69M | 3013.77M | 2356.88M |
| Intangible assets | 19.21M | 25.10M | 22.13M | 27.91M | 22.24M |
| Earning assets | - | - | - | - | 411.80M |
| Other current assets | 192.97M | -717.32400M | 983.02M | 1547.00M | 1490.04M |
| Total liab | 3547.03M | 3422.76M | 63.21M | 66.60M | 67.63M |
| Total stockholder equity | 369.13M | 356.87M | 359.40M | 330.16M | 285.73M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 2609.08M | -42.36900M | 2920.55M | 9.41M | 2013.02M |
| Common stock | 19.73M | 19.99M | 17.21M | 17.12M | 17.05M |
| Capital stock | 19.73M | 19.99M | 17.21M | 17.12M | 17.05M |
| Retained earnings | 272.70M | 280.43M | 253.57M | 212.16M | 178.09M |
| Other liab | - | 1.10M | 0.16M | 0.80M | 0.31M |
| Good will | 46.78M | 47.09M | 31.49M | 30.20M | 27.33M |
| Other assets | - | 1821.89M | 1006.77M | 1561.15M | 1503.28M |
| Cash | 129.89M | 58.24M | 242.31M | 172.96M | 144.01M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 2924.87M | 378.08M | 2970.08M | 9.41M | 2013.02M |
| Current deferred revenue | - | 42.37M | - | - | - |
| Net debt | 248.98M | 384.58M | -179.10300M | -106.36600M | -76.37300M |
| Short term debt | 315.80M | 378.08M | - | - | 0.00000M |
| Short long term debt | 314.17M | 378.08M | - | - | 0.00000M |
| Short long term debt total | 378.88M | 442.82M | 63.21M | 66.60M | 67.63M |
| Other stockholder equity | 150.34M | 155.09M | 92.88M | 90.24M | 88.65M |
| Property plant equipment | - | 22.71M | 22.10M | 20.29M | 28.97M |
| Total current assets | 192.97M | 823.62M | 1104.50M | 774.97M | 461.91M |
| Long term investments | 786.26M | 1039.23M | 1205.71M | 2659.91M | 313.17M |
| Net tangible assets | - | 287.33M | 307.66M | 274.04M | 240.01M |
| Short term investments | 486.74M | 717.32M | 853.65M | 592.34M | 310.35M |
| Net receivables | 57.28M | 12.87M | 8.54M | 9.66M | 7.55M |
| Long term debt | 58.96M | 58.84M | 58.93M | 58.73M | 58.13M |
| Inventory | 106.78M | 0.03M | 23.73M | 0.06M | 0.00800M |
| Accounts payable | - | 64.46M | 2920.55M | 45.02M | 1971.32M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -73.65500M | -98.64100M | -4.25500M | 10.64M | 1.94M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 19.99M | 17.21M | 17.12M | 17.05M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | 280.43M | 253.57M | 212.16M | 178.09M |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 3549.13M | -42.35500M | -11.61400M | -9.40900M | -7.89100M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 3723.19M | 1134.13M | 1281.43M | 677.66M | 391.69M |
| Capital lease obligations | 5.75M | 5.90M | 4.28M | 7.86M | 9.50M |
| Long term debt total | - | 58.84M | 58.93M | 58.73M | 58.77M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -394.24400M | -415.86500M | -528.52700M | -75.45000M | -154.70800M |
| Change to liabilities | 8.97M | 5.87M | -5.52700M | 2.28M | 0.00000M |
| Total cashflows from investing activities | -292.62200M | -416.94200M | -538.38000M | -65.59400M | -154.70800M |
| Net borrowings | 377.88M | 0.08M | -0.21000M | -93.69000M | 63.29M |
| Total cash from financing activities | 5.59M | 337.18M | 589.60M | 149.70M | 19.81M |
| Change to operating activities | 62.87M | 121.85M | -26.84200M | -27.56600M | 17.43M |
| Net income | 40.01M | 52.68M | 44.67M | 29.54M | 25.87M |
| Change in cash | -184.06900M | 69.35M | 28.96M | 103.36M | -81.34700M |
| Begin period cash flow | 242.31M | 172.96M | 144.01M | 40.65M | 122.00M |
| End period cash flow | 58.24M | 242.31M | 172.96M | 144.01M | 40.65M |
| Total cash from operating activities | 102.97M | 149.12M | -22.26200M | 19.25M | 53.55M |
| Issuance of capital stock | - | 0.00000M | 0.00000M | 62.80M | - |
| Depreciation | 8.24M | 8.81M | 8.93M | 8.77M | 8.73M |
| Other cashflows from investing activities | 103.41M | 0.63M | -6.04200M | 12.76M | -2.10400M |
| Dividends paid | -12.80000M | -10.75100M | -10.38700M | -8.90900M | 7.46M |
| Change to inventory | - | - | - | - | 0.00000M |
| Change to account receivables | -3.24100M | 1.12M | -2.11100M | 0.01M | -0.82800M |
| Sale purchase of stock | -0.73800M | -0.71200M | -0.48200M | -1.94800M | -0.35600M |
| Other cashflows from financing activities | 19.33M | 398.56M | 600.68M | 97.98M | 27.79M |
| Change to netincome | 52.56M | 133.53M | -11.15600M | -24.79100M | 1.95M |
| Capital expenditures | 1.79M | 1.71M | 3.81M | 2.90M | 3.75M |
| Change receivables | -3.24100M | 1.12M | -2.11100M | 0.01M | 0.00000M |
| Cash flows other operating | -3.80300M | -52.95300M | -57.09300M | 3.44M | 0.00000M |
| Exchange rate changes | - | - | - | - | 0.00000M |
| Cash and cash equivalents changes | -184.06900M | 69.35M | 28.96M | 103.36M | 0.00000M |
| Change in working capital | 59.63M | 122.97M | -28.95300M | -26.01500M | 8.34M |
| Stock based compensation | 1.90M | 3.10M | 1.93M | 1.75M | 1.85M |
| Other non cash items | -7.72200M | -41.22800M | -44.40200M | 4.87M | 8.79M |
| Free cash flow | 101.18M | 147.41M | -26.07300M | 16.35M | 49.80M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| ALRS Alerus Financial Corp |
0.14 0.66% | 22.14 | 129.82 | - | 3.40 | 1.43 | 4.82 |
| HDB HDFC Bank Limited ADR |
0.54 0.74% | 73.56 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.14 0.45% | 31.17 | 6.61 | 5.68 | 0.48 | 0.77 | 3.43 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.09 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
| IBN ICICI Bank Limited |
0.24 0.71% | 34.23 | 17.79 | 16.95 | 0.07 | 3.08 |
Alerus Financial Corporation operates as the bank holding company for Alerus Financial, National Association that engages in the provision of various financial services to businesses and consumers. The company operates in four segments: Banking, Mortgage, Retirement and Benefit Services, and Wealth Management. It offers various deposit products, including demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, checking accounts, and certificates of deposit; and treasury management products, including electronic receivables management, remote deposit capture, cash vault services, merchant services, and other cash management services. The company also provides commercial loans, business term loans, lines of credit, and commercial real estate loans, as well as construction and land development loans; consumer lending products, including residential first mortgage loans; installment loans and lines of credit; and second mortgage loans. In addition, it offers retirement plan administration and investment advisory services, employee stock ownership plan, fiduciary services, payroll, health savings accounts, and other benefit 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 and credit cards, online banking, mobile banking/wallet, payment, private banking, payroll accounts, flex spending accounts, administration, and government health insurance program services. It offers banking services in North Dakota, Minnesota, and Arizona; and retirement and benefit plans through offices located in Michigan, Minnesota, and Colorado. 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.
401 Demers Avenue, Grand Forks, ND, United States, 58201
| Name | Title | Year Born |
|---|---|---|
| Ms. Katie A. Lorenson | Pres, CEO & Director | 1981 |
| Ms. Ann Melvey McConn CFP, J.D., M.B.A. | Exec. VP & Chief Shared Services Officer | 1960 |
| Mr. Alan A. Villalon | Exec. VP & CFO | 1974 |
| Ms. Maria Biessener Duncan | Sr. VP and Director of Operations & Process Excellence | NA |
| Mr. Sunil N. Swami | Chief Investment Officer | 1957 |
| Mr. Jerrod Keith Hanson CPA | Chief Accounting Officer & Sr. VP | 1971 |
| Mr. Jonathan N. Hendry | Exec. VP & CTO | NA |
| Ms. Bonnie Upham CPA | Chief Compliance Officer | NA |
| Mr. Scott Fenske | Gen. Counsel & Corp. Sec. | NA |
| Ms. Kara Schumacher | Marketing and Customer Management Director | NA |
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