Alerus Financial Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Alerus Financial Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 6% in 3 years, but profit fell: $188 less profit per $100 of extra sales. Lower than 96% of Financial Services companies in United States.
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
−$188Sales grew 6% in 3 years, but profit fell: $188 less profit per $100 of extra sales.
Lower than 96% of Financial Services companies in United States.
Asset Productivity Ratio
+6% / +38%In 3 years sales changed by +6% while total assets changed by +38%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 54% of Financial Services companies in United States.
Tangible Net Worth Ratio
78%Of every $100 of net worth, $78 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 59% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Alerus Financial Corporation owes $0.89 for every $1 it owns. Net profit fell 2% in the year to Dec 2025, and shrank 24% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
29.9Investors pay $29.9 for every $1 of Alerus Financial Corporation's yearly profit, higher than 87% of Financial Services companies in United States.
P/B ratio
1.38The share price is 1.38 times Alerus Financial Corporation's book value per share, higher than 59% of Financial Services companies in United States.
Market cap
$804 MThe total market value of all of Alerus Financial Corporation's shares at today's price (share price × number of shares), larger than 51% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$583 MWhat Alerus Financial Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$23.39Net worth divided by the number of shares. The share price of $32.24 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
5.0%Alerus Financial Corporation earned 5.0% on its shareholders' money over the last year, lower than 75% of Financial Services companies in United States.
Owes vs Owns
0.89×Alerus Financial Corporation owes $0.89 for every $1 it owns (high), higher than 73% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.74%Alerus Financial Corporation pays 2.74% of its share price as dividends a year, lower than 51% of dividend-paying Financial Services companies in United States.
Revenue growth
-1%Revenue fell 1% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Profit growth
-2%Net profit fell 2% in the year to Dec 2025, and shrank 24% a year on average over 3 years.
Profit margin
7.9%Alerus Financial Corporation keeps $8 of every $100 of revenue as net profit.
Questions
What is Alerus Financial Corporation's P/E ratio?
Investors pay $29.9 for every $1 of Alerus Financial Corporation's yearly profit, higher than 87% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Alerus Financial Corporation: $804 M ÷ $583 M (30 Jun 2026) = 1.4.
What is Alerus Financial Corporation's return on equity?
Alerus Financial Corporation earned 5.0% on its shareholders' money over the last year, lower than 75% of Financial Services companies in United States.
How much does Alerus Financial Corporation owe compared with what it owns?
Alerus Financial Corporation owes $0.89 for every $1 it owns (high), higher than 73% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Alerus Financial Corporation pay a dividend?
Yes. Alerus Financial Corporation pays 2.74% of its share price as dividends a year, lower than 51% of dividend-paying Financial Services companies in United States.
Is Alerus Financial Corporation's revenue growing?
Revenue fell 1% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.