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STOCKS

Alerus Financial Corporation (ALRS)

NASDAQ:ALRS

ALRS

Alerus Financial

RESEARCH TOOLSreports

Alerus Financial (ALRS) Ratios

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57 Followers

Alerus Financial Ratios

ALRS's free cash flow for Q4 2025 was $0.23. For the 2025 fiscal year, ALRS's free cash flow was decreased by $ and operating cash flow was $-1.34. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.29	0.29	0.16	0.20	0.25
Quick Ratio	0.29	0.29	0.16	0.20	0.25
Cash Ratio	0.22	0.22	0.01	0.04	0.02
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	0.01
Operating Cash Flow Ratio	0.24	0.22	<0.01	<0.01	0.03
Short-Term Operating Cash Flow Coverage	0.24	0.22	0.12	0.09	0.27
Net Current Asset Value	$ -4.58B	$ -4.58B	$ -4.05B	$ -2.86B	$ -2.59B
Leverage Ratios
Debt-to-Assets Ratio	0.08	0.08	0.06	0.10	0.12
Debt-to-Equity Ratio	0.78	0.78	0.64	1.03	1.24
Debt-to-Capital Ratio	0.44	0.44	0.39	0.51	0.55
Long-Term Debt-to-Capital Ratio	0.14	0.14	0.11	0.14	0.14
Financial Leverage Ratio	9.26	9.26	10.62	10.59	10.59
Debt Service Coverage Ratio	0.08	0.08	0.09	0.05	0.12
Interest Coverage Ratio	0.21	0.21	0.20	0.21	3.29
Debt to Market Cap	0.68	0.71	0.74	0.84	1.00
Interest Debt Per Share	21.56	21.58	20.50	22.89	24.61
Net Debt to EBITDA	9.36	9.36	6.72	10.22	6.37
Profitability Margins
Gross Profit Margin	67.15%	67.15%	60.78%	67.47%	92.96%
EBIT Margin	6.89%	6.89%	6.85%	6.52%	23.23%
EBITDA Margin	12.16%	12.16%	11.24%	10.02%	26.90%
Operating Profit Margin	6.89%	6.89%	6.85%	6.52%	23.23%
Pretax Profit Margin	6.89%	6.89%	6.85%	6.52%	23.23%
Net Profit Margin	5.32%	5.32%	5.26%	4.81%	17.81%
Continuous Operations Profit Margin	5.32%	5.32%	5.26%	4.81%	17.81%
Net Income Per EBT	77.19%	77.19%	76.77%	73.77%	76.66%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.33%	0.33%	0.34%	0.30%	1.06%
Return on Equity (ROE)	3.23%	3.09%	3.59%	3.17%	11.21%
Return on Capital Employed (ROCE)	0.46%	0.46%	3.59%	3.18%	12.38%
Return on Invested Capital (ROIC)	5.14%	5.14%	2.01%	1.44%	5.00%
Return on Tangible Assets	0.34%	0.34%	0.35%	0.30%	1.08%
Earnings Yield	2.94%	3.05%	4.39%	2.62%	9.19%
Efficiency Ratios
Receivables Turnover	15.08	15.08	6.01	4.24	4.67
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.55	4.55	6.36	10.40	9.89
Asset Turnover	0.06	0.06	0.06	0.06	0.06
Working Capital Turnover Ratio	-0.16	-0.16	-0.10	-0.09	-0.10
Cash Conversion Cycle	24.21	24.21	60.76	85.99	78.09
Days of Sales Outstanding	24.21	24.21	60.76	85.99	78.09
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	24.21	24.21	60.76	85.99	78.09
Cash Flow Ratios
Operating Cash Flow Per Share	2.93	2.66	1.38	1.45	5.52
Free Cash Flow Per Share	2.88	2.32	0.79	1.29	5.43
CapEx Per Share	0.04	0.34	0.59	0.16	0.10
Free Cash Flow to Operating Cash Flow	0.99	0.87	0.57	0.89	0.98
Dividend Paid and CapEx Coverage Ratio	3.40	2.29	1.04	1.61	7.06
Capital Expenditure Coverage Ratio	70.91	7.76	2.34	9.13	57.56
Operating Cash Flow Coverage Ratio	0.17	0.15	0.09	0.08	0.23
Operating Cash Flow to Sales Ratio	0.23	0.21	0.09	0.12	0.46
Free Cash Flow Yield	12.34%	10.29%	4.10%	5.76%	23.25%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	34.03	32.77	22.78	38.14	10.88
Price-to-Sales (P/S) Ratio	1.81	1.74	1.20	1.83	1.94
Price-to-Book (P/B) Ratio	1.05	1.01	0.82	1.21	1.22
Price-to-Free Cash Flow (P/FCF) Ratio	8.10	9.72	24.41	17.35	4.30
Price-to-Operating Cash Flow Ratio	7.99	8.46	13.98	15.39	4.23
Price-to-Earnings Growth (PEG) Ratio	-0.51	-1.84	0.54	-0.53	-0.37
Price-to-Fair Value	1.05	1.01	0.82	1.21	1.22
Enterprise Value Multiple	24.25	23.69	17.37	28.53	13.57
Enterprise Value	966.98M	944.91M	660.73M	695.04M	819.83M
EV to EBITDA	24.25	23.69	17.37	28.53	13.57
EV to Sales	2.95	2.88	1.95	2.86	3.65
EV to Free Cash Flow	13.20	16.06	39.83	27.03	8.10
EV to Operating Cash Flow	13.01	13.99	22.82	23.98	7.96
Tangible Book Value Per Share	17.56	17.57	17.01	15.22	15.27
Shareholders’ Equity Per Share	22.24	22.26	23.54	18.53	19.15
Tax and Other Ratios
Effective Tax Rate	0.23	0.23	0.23	0.26	0.23
Revenue Per Share	12.91	12.92	16.07	12.21	12.05
Net Income Per Share	0.69	0.69	0.84	0.59	2.15
Tax Burden	0.77	0.77	0.77	0.74	0.77
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.30	0.30	0.26	0.31	0.36
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	>-0.01	<0.01
Income Quality	4.15	3.87	1.63	2.48	2.57

Currency in USD