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Alerus Financial ( (ALRS) ) has provided an announcement.
On January 28, 2026, Alerus Financial Corporation reported a net loss of $33.1 million for the fourth quarter of 2025, driven by a one-time pre-tax loss of $68.4 million on the sale of $360.1 million of low-yielding available-for-sale securities as part of a strategic balance sheet repositioning. Despite the headline loss, adjusted metrics showed stronger performance, with adjusted diluted EPS of $0.85, adjusted ROAA of 1.62%, and adjusted return on average tangible common equity of 21.05% for the quarter, alongside improving net interest income and margin, and continued growth in retirement, wealth management, and mortgage businesses. For full-year 2025, the company delivered adjusted diluted EPS of $2.78, a sharp improvement over 2024, driven by a 61% increase in net interest income, higher fee-based revenues, and improved efficiency, while also de-risking its loan book by reducing CRE concentrations and strengthening capital, as evidenced by a 21.5% rise in tangible book value per share and an increase in the tangible common equity to tangible assets ratio to 8.72%.
The most recent analyst rating on (ALRS) stock is a Buy with a $29.00 price target. To see the full list of analyst forecasts on Alerus Financial stock, see the ALRS Stock Forecast page.
Spark’s Take on ALRS Stock
According to Spark, TipRanks’ AI Analyst, ALRS is a Outperform.
The score is driven primarily by solid financial performance (steady growth, improved profitability, and stronger cash generation) and supportive valuation (low P/E and strong yield). Offsetting this are mixed technical signals that suggest only modest momentum, while guidance and recent actions are constructive but balanced by credit-quality and fee-income headwinds plus a one-time loss from the portfolio repositioning.
To see Spark’s full report on ALRS stock, click here.
More about Alerus Financial
Alerus Financial Corporation (Nasdaq: ALRS) is a diversified financial services company that provides traditional banking alongside retirement and benefit services, wealth management, and mortgage origination. The company emphasizes fee-based revenue streams, with significant assets under administration and management in its retirement and wealth segments, and positions itself as a consolidator in the banking sector, highlighted by its integration of the HMN Financial acquisition.
Average Trading Volume: 100,539
Technical Sentiment Signal: Buy
Current Market Cap: $602.9M
See more insights into ALRS stock on TipRanks’ Stock Analysis page.