Shares Outstanding Shares Outstanding n/a Close	25.37M
Shares Change (YoY) Shares Change (YoY) n/a Close	28.99%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	0.68%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	67.33%
Shares Floating Shares Floating n/a Close	n/a
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	1,027
FTD / Avg. Volume FTD / Avg. Volume n/a Close	1.34%

Short Selling Information

The latest short interest is 184.7K, so 0.73% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	184.7K
Short % of Shares Out Short % of Shares Out n/a Close	0.73%
Short % of Float Short % of Float n/a Close	0.76%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	1.78

Valuation Ratios

The PE ratio is 22.78 and the forward PE ratio is 8.87. Alerus Financial's PEG ratio is 0.54.

PE Ratio PE Ratio n/a Close	22.78
Forward PE Forward PE n/a Close	8.87
PS Ratio PS Ratio n/a Close	1.88
Forward PS Forward PS n/a Close	1.8
PB Ratio PB Ratio n/a Close	0.82
P/FCF Ratio P/FCF Ratio n/a Close	24.41
PEG Ratio PEG Ratio n/a Close	0.54

Financial Ratio History

Enterprise Valuation

Alerus Financial has an Enterprise Value (EV) of 660.73M.

EV / Sales EV / Sales n/a Close	3.06
EV / EBITDA EV / EBITDA n/a Close	17.37
EV / EBIT EV / EBIT n/a Close	22.82
EV / FCF EV / FCF n/a Close	39.83

Financial Position

The company has a current ratio of 0.02, with a Debt / Equity ratio of 0.64.

Current Ratio Current Ratio n/a Close	0.02
Quick Ratio Quick Ratio n/a Close	0.02
Debt / Equity Debt / Equity n/a Close	0.64
Debt / EBITDA Debt / EBITDA n/a Close	8.33
Debt / FCF Debt / FCF n/a Close	19.11
Interest Coverage Interest Coverage n/a Close	0.2

Financial Efficiency

Return on Equity is 3.59% and Return on Invested Capital is 6.66%.

Return on Equity Return on Equity n/a Close	3.59%
Return on Assets Return on Assets n/a Close	0.34%
Return on Invested Capital Return on Invested Capital n/a Close	6.66%
Revenue Per Employee Revenue Per Employee n/a Close	$255,167.85
Profits Per Employee Profits Per Employee n/a Close	$21,016.55
Employee Count Employee Count n/a Close	846
Asset Turnover Asset Turnover n/a Close	0.04
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	5.38M
Effective Tax Rate Effective Tax Rate n/a Close	23.23%

Stock Price Statistics

The stock price has increased by 10.47% in the last 52 weeks. The beta is 0.71, so Alerus Financial's price volatility has been higher than the market average.

Beta Beta n/a Close	0.71
52-Week Price Change 52-Week Price Change n/a Close	10.47%
50-Day Moving Average 50-Day Moving Average n/a Close	19.41
200-Day Moving Average 200-Day Moving Average n/a Close	20.76
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	55.49
Average Volume (20 Days) Average Volume (20 Days) n/a Close	76,692

Income Statement

In the last 12 months, Alerus Financial had revenue of 215.87M and earned 17.78M in profits. Earnings per share was 0.84.

Revenue Revenue n/a Close	215.87M
Gross Profit Gross Profit n/a Close	215.87M
Operating Income Operating Income n/a Close	23.16M
Net Income Net Income n/a Close	17.78M
EBITDA EBITDA n/a Close	38.04M
EBIT EBIT n/a Close	23.16M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	0.84

Full Income Statement

Balance Sheet

The company has 61.24M in cash and 317.02M in debt, giving a net cash position of -255.78M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	61.24M
Total Debt Total Debt n/a Close	317.02M
Net Cash Net Cash n/a Close	-255.78M
Retained Earnings Retained Earnings n/a Close	273.72M
Total Assets Total Assets n/a Close	5.34B
Working Capital Working Capital n/a Close	-4.58B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 28.96M and capital expenditures -12.37M, giving a free cash flow of 16.59M.

Operating Cash Flow Operating Cash Flow n/a Close	28.96M
Capital Expenditures Capital Expenditures n/a Close	-12.37M
Free Cash Flow Free Cash Flow n/a Close	16.59M
FCF Per Share FCF Per Share n/a Close	0.79

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 10.73% and 8.24%.

Gross Margin Gross Margin n/a Close	100%
Operating Margin Operating Margin n/a Close	10.73%
Pretax Margin Pretax Margin n/a Close	10.73%
Profit Margin Profit Margin n/a Close	8.24%
EBITDA Margin EBITDA Margin n/a Close	17.62%
EBIT Margin EBIT Margin n/a Close	10.73%
FCF Margin FCF Margin n/a Close	7.69%

Dividends & Yields

ALRS pays an annual dividend of $0.81, which amounts to a dividend yield of 3.87%.

Dividend Per Share Dividend Per Share n/a Close	$0.81
Dividend Yield Dividend Yield n/a Close	3.87%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	5.26%
Payout Ratio Payout Ratio n/a Close	78.64%
Earnings Yield Earnings Yield n/a Close	4.39%
FCF Yield FCF Yield n/a Close	4.1%

Dividend Details

Analyst Forecast

The average price target for ALRS is $23, which is 9.5% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$23
Price Target Difference Price Target Difference n/a Close	9.5%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	7

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$4.2
Lynch Upside Lynch Upside n/a Close	-80%
Graham Number Graham Number n/a Close	21.15
Graham Upside Graham Upside n/a Close	0.71%

Stock Splits

The last stock split was on Sep 15, 2014. It was a forward split with a ratio of 3:1.

Last Split Date Last Split Date n/a Close	Sep 15, 2014
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	3:1

Scores

Altman Z-Score Altman Z-Score n/a Close	-0.82
Piotroski F-Score Piotroski F-Score n/a Close	4