Alerus Financial Corporation
ALRS scores 38.4 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Net penalties of -19.0 points significantly impact the ranking. Without these adjustments, ALRS would rank considerably higher.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| ALRS | 38.4 | 37.1 | 0.3% | 5.3% | $646M |
| CME | 84.9 | 27.2 | 9.9% | 57.5% | $112.1B |
| CINF | 82.4 | 10.7 | 11.4% | 18.9% | $25.8B |
| ACT | 81.9 | 8.9 | 2.4% | 54.6% | $6.1B |
| SEIC | 81.0 | 14.0 | 10.7% | 27.3% | $10.1B |
| TROW | 79.5 | 10.1 | 3.1% | 28.5% | $21.1B |
| FHB | 78.1 | 11.8 | 3.2% | 24.2% | $3.2B |
| MCHB | 77.4 | N/A | 123.7% | 23.2% | $3.3B |
| TRMK | 75.7 | 11.9 | 34.8% | 19.3% | $2.7B |
| BCAL | 74.4 | 9.9 | 26.2% | 27.1% | $605M |
| NMIH | 73.9 | 7.7 | 8.4% | 55.1% | $3.1B |
| TW | 73.1 | 30.0 | 18.9% | 39.6% | $26.2B |
| VCTR | 73.1 | 18.3 | 8.8% | 32.3% | $4.7B |
| FFIN | 73.1 | 18.8 | 11.7% | 30.7% | $4.8B |
| VLY | 72.5 | 12.5 | -2.2% | 17.1% | $7.4B |
| QQQX | 72.0 | 10.4 | 48.6% | 257.3% | $1.4B |
| Sector Average | 45.7 | 26.8 | 13.4% | -2.8% | โ |
Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers. The company operates in four segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. 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 through fourteen offices in North Dakota, Minnesota, and Arizona; and retirement and benefit plans in 50 states 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.
Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.
| Metric | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Revenue | $33M | $99M | $101M | $95M |
| Gross Profit | $9M | $72M | $74M | $67M |
| Operating Income | $-43M | $22M | $26M | $18M |
| Net Income | $-33M | $17M | $20M | $13M |
| EPS (Diluted) | $-1.30 | $0.65 | $0.78 | $0.52 |
| Gross Margin | 25.5% | 72.2% | 72.9% | 70.7% |
| Operating Margin | -129.6% | 22.2% | 26.0% | 18.4% |
| Net Margin | -98.8% | 17.1% | 20.0% | 14.0% |
This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor โ it is a practical tradability overlay).
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $25.95 | $38.31 | 38.5% | Wide |
| 2022 | $20.20 | $30.49 | 40.6% | Wide |
| 2023 | $13.11 | $23.78 | 57.8% | Wide |
| 2024 | $18.09 | $25.85 | 35.3% | Wide |
| 2025 | $15.78 | $24.33 | 42.6% | Wide |
Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.