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STOCKS

Alerus Financial Corporation (ALRS)

:ALRS

ALRS

Alerus Financial

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Alerus Financial (ALRS) Ratios

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Alerus Financial Ratios

ALRS's free cash flow for Q2 2025 was $0.73. For the 2025 fiscal year, ALRS's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.32	0.20	2.18	0.39	0.31
Quick Ratio	0.32	0.20	2.38	0.49	0.40
Cash Ratio	0.26	0.04	0.15	0.09	0.07
Solvency Ratio	0.01	<0.01	0.01	0.96	0.79
Operating Cash Flow Ratio	0.15	<0.01	0.27	0.05	>-0.01
Short-Term Operating Cash Flow Coverage	0.15	0.09	0.27	0.00	0.00
Net Current Asset Value	$ -4.69B	$ -2.86B	$ -2.60B	$ 1.04B	$ 708.37M
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.10	0.12	0.02	0.02
Debt-to-Equity Ratio	0.70	1.03	1.24	0.18	0.20
Debt-to-Capital Ratio	0.41	0.51	0.55	0.15	0.17
Long-Term Debt-to-Capital Ratio	0.10	0.14	0.14	0.14	0.15
Financial Leverage Ratio	9.99	10.59	10.59	9.44	9.13
Debt Service Coverage Ratio	0.13	0.05	0.12	11.06	4.37
Interest Coverage Ratio	0.45	0.21	4.51	12.43	4.77
Debt to Market Cap	0.69	0.84	1.00	0.12	0.12
Interest Debt Per Share	19.20	22.89	24.61	4.00	4.61
Net Debt to EBITDA	4.27	10.22	6.37	-2.30	-1.58
Profitability Margins
Gross Profit Margin	65.79%	67.47%	100.00%	100.00%	100.00%
EBIT Margin	13.52%	6.52%	25.00%	30.00%	25.65%
EBITDA Margin	18.39%	10.02%	28.94%	33.83%	29.56%
Operating Profit Margin	13.52%	6.52%	34.26%	30.00%	25.65%
Pretax Profit Margin	13.52%	6.52%	25.00%	30.00%	25.65%
Net Profit Margin	10.38%	4.81%	19.16%	22.88%	19.58%
Continuous Operations Profit Margin	10.38%	4.81%	19.16%	22.88%	19.58%
Net Income Per EBT	76.77%	73.77%	76.66%	76.26%	76.34%
EBT Per EBIT	100.00%	100.00%	72.97%	100.00%	100.00%
Return on Assets (ROA)	0.73%	0.30%	1.06%	1.55%	1.48%
Return on Equity (ROE)	8.03%	3.17%	11.21%	14.66%	13.53%
Return on Capital Employed (ROCE)	1.01%	3.18%	2.10%	11.75%	10.75%
Return on Invested Capital (ROIC)	11.37%	1.44%	2.80%	-12.58%	-4.39%
Return on Tangible Assets	0.74%	0.30%	1.08%	1.58%	1.51%
Earnings Yield	7.12%	2.62%	9.19%	10.47%	9.54%
Efficiency Ratios
Receivables Turnover	17.86	4.24	0.00	26.97	23.62
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	5.09	10.40	9.19	10.42	8.39
Asset Turnover	0.07	0.06	0.06	0.07	0.08
Working Capital Turnover Ratio	-0.18	-0.09	-0.33	-0.14	-0.15
Cash Conversion Cycle	20.43	85.99	0.00	13.53	15.46
Days of Sales Outstanding	20.43	85.99	0.00	13.53	15.46
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	20.43	85.99	0.00	13.53	15.46
Cash Flow Ratios
Operating Cash Flow Per Share	1.85	1.45	5.52	8.68	-1.30
Free Cash Flow Per Share	1.34	1.29	5.43	8.58	-1.52
CapEx Per Share	0.51	0.16	0.10	0.10	0.22
Free Cash Flow to Operating Cash Flow	0.72	0.89	0.98	0.99	1.17
Dividend Paid and CapEx Coverage Ratio	1.50	1.61	7.06	11.97	-1.57
Capital Expenditure Coverage Ratio	3.61	9.13	57.56	87.41	-5.84
Operating Cash Flow Coverage Ratio	0.13	0.08	0.23	2.36	-0.33
Operating Cash Flow to Sales Ratio	0.13	0.12	0.49	0.65	-0.10
Free Cash Flow Yield	6.22%	5.76%	23.25%	29.29%	-5.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.05	38.14	10.88	9.55	10.48
Price-to-Sales (P/S) Ratio	1.46	1.83	2.08	2.19	2.05
Price-to-Book (P/B) Ratio	1.02	1.21	1.22	1.40	1.42
Price-to-Free Cash Flow (P/FCF) Ratio	16.07	17.35	4.30	3.41	-17.96
Price-to-Operating Cash Flow Ratio	11.60	15.39	4.23	3.38	-21.03
Price-to-Earnings Growth (PEG) Ratio	0.30	-0.53	-0.37	0.55	0.34
Price-to-Fair Value	1.02	1.21	1.22	1.40	1.42
Enterprise Value Multiple	12.20	28.53	13.57	4.16	5.36
Enterprise Value	837.32M	695.04M	819.83M	324.19M	361.83M
EV to EBITDA	12.20	28.53	13.57	4.16	5.36
EV to Sales	2.24	2.86	3.93	1.41	1.59
EV to Free Cash Flow	24.72	27.03	8.10	2.20	-13.88
EV to Operating Cash Flow	17.87	23.98	7.96	2.17	-16.25
Tangible Book Value Per Share	16.13	15.22	15.27	190.58	168.89
Shareholders’ Equity Per Share	21.02	18.53	19.15	20.91	19.30
Tax and Other Ratios
Effective Tax Rate	0.23	0.26	0.23	0.24	0.24
Revenue Per Share	14.71	12.21	11.20	13.39	13.34
Net Income Per Share	1.53	0.59	2.15	3.06	2.61
Tax Burden	0.77	0.74	0.77	0.76	0.76
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	0.26	0.31	0.39	0.41	0.39
Stock-Based Compensation to Revenue	<0.01	>-0.01	<0.01	0.01	<0.01
Income Quality	1.21	2.48	2.57	2.83	-0.50

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