The earnings call highlighted strong financial performance with increased earnings, net interest income, and fee income. However, challenges such as deposit outflows, nonperforming assets, and competitive pressures in the deposit market were also noted.

Company Guidance

During the Alerus Financial Corporation earnings call for the second fiscal period of 2025, the company reported an adjusted earnings per diluted share of $0.72 and an adjusted return on assets of 1.41%. They achieved a net interest margin of 3.51%, with net interest income increasing by 4.6% from the prior quarter. The company strategically sold $60 million in nonowner-occupied CRE hospitality loans, resulting in a net $2 million gain, and maintained robust reserve levels at 1.47% of loans, with net charge-offs limited to 7 basis points excluding certain accounting entries. Fee income represented over 42% of revenues, with the Retirement and Benefits business as a pivotal contributor. The company anticipates mid-single-digit loan growth and low single-digit deposit growth for 2025, with an expected full-year net interest margin between 3.25% and 3.35%. The guidance remains consistent with prior quarters, aiming for sustained performance levels achieved this quarter.

Strong Earnings Performance

Adjusted earnings per diluted share of $0.72, representing an adjusted return on assets of 1.41%.

Improved Net Interest Income and Margin

Net interest income increased 4.6% over the prior quarter, with net interest margin improving by 10 basis points to 3.51%.

Fee Income as a Differentiator

Fee income increased 15% and remains over 40% of revenues, significantly above the industry average of 19%.

Successful Loan Sale and Gain

Strategic sale of $60 million in nonowner-occupied CRE hospitality loans resulted in a net $2 million gain.

Solid Capital Position

Common equity Tier 1 capital ratio to risk-weighted assets at 10.5%, and tangible common equity ratio improved by 44 basis points to 7.87%.

Operational Improvements

Efficiency ratio improved to 62.4% from 66.9% in the prior quarter.

Alerus Financial (ALRS) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

ALRS Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.59 / -	0.36	―	―	―
Jul 28, 2025	2025 (Q2)	0.55 / 0.72	0.362	98.90% (+0.36)
Apr 28, 2025	2025 (Q1)	0.43 / 0.56	0.245	128.57% (+0.32)
Jan 28, 2025	2024 (Q4)	0.32 / 0.44	0.375	17.33% (+0.07)
Oct 29, 2024	2024 (Q3)	0.44 / 0.36	0.45	-20.00% (-0.09)
Jul 24, 2024	2024 (Q2)	0.36 / 0.36	0.45	-19.56% (-0.09)
Apr 24, 2024	2024 (Q1)	0.32 / 0.24	0.4	-38.75% (-0.16)
Jan 24, 2024	2023 (Q4)	0.29 / 0.38	0.53	-29.25% (-0.16)
Oct 25, 2023	2023 (Q3)	0.36 / 0.45	0.47	-4.26% (-0.02)
Jul 26, 2023	2023 (Q2)	0.35 / 0.45	0.52	-13.46% (-0.07)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

ALRS Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$21.72	$23.07	+6.22%
Apr 28, 2025	$17.59	$19.93	+13.30%
Jan 28, 2025	$19.77	$20.52	+3.79%
Oct 29, 2024	$22.96	$19.78	-13.85%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Alerus Financial Corporation (ALRS) report earnings?

Alerus Financial Corporation (ALRS) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Alerus Financial Corporation (ALRS) earnings time?

Alerus Financial Corporation (ALRS) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is ALRS EPS forecast?

ALRS EPS forecast for the fiscal quarter 2025 (Q3) is 0.59.

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