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Alerus Financial Corporation (ALRS)
Financial Services · Banks - Regional · NasdaqCM
Alerus Financial Corporation revenue & earnings — last 9 fiscal years
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $208.74M | $166.22M | $223.75M | $220.72M |
| Gross profit | — | — | — | — | — | — | — | — | — |
| Net income | $15.00M | $25.87M | $29.54M | $44.67M | $52.68M | $40.01M | $11.70M | $17.78M | $17.44M |
| Net margin | — | — | — | — | — | 19.2% | 7.0% | 7.9% | 7.9% |
Source: Alerus Financial Corporation SEC filings (10-K).
What growth is priced into ALRS stock?
At today's market cap of $744.94M, Alerus Financial Corporation is priced for free-cash-flow growth of about 1.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $58.83M from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 9 years of Alerus Financial Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Alerus Financial Corporation financial history by metric
About Alerus Financial Corporation
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.
Alerus Financial Corporation — frequently asked questions
What is Alerus Financial Corporation's revenue?
Alerus Financial Corporation (ALRS) reported revenue of $220.72M for fiscal year 2025, down 1.4% from the prior year, according to its SEC filings.
Is Alerus Financial Corporation profitable?
Yes. ALRS earned net income of $17.44M in fiscal 2025, a net margin of 7.9%.
What is ALRS's P/E ratio?
Alerus Financial Corporation trades at a price-to-earnings ratio of about 28.2 based on the latest data in our nightly-refreshed cache.
How much debt does Alerus Financial Corporation have?
As of fiscal year 2025, ALRS carried roughly $367.98M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Alerus Financial Corporation's market cap?
Alerus Financial Corporation (ALRS) has a market capitalization of about $744.94M, based on the latest data in our nightly-refreshed cache.
When does Alerus Financial Corporation's fiscal year end?
ALRS's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into ALRS stock?
At today's market cap of $744.94M, Alerus Financial Corporation is priced for free-cash-flow growth of about 1.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $58.83M from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from Alerus Financial Corporation's official SEC filings (10-K and 10-Q), covering 9 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.