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ALRS Alerus Financial Corporation
Banks, Insurers & Asset Managers
D+ 40.9 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
F 12

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2025) 89.5%
  • Efficiency Ratio Trend +0.54 pp/yr

Capital Efficiency

Weight: 15%
D- 30
  • 5yr Avg ROE 7.1%
  • 5yr Share-Count CAGR 8.1%

Growth Quality

Weight: 15%
C- 50

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 6.5%
  • Efficiency Ratio Trend (growth quality check) +0.54 pp/yr
  • Revenue-Growth Years (5) 2/5

Cash Generation

Weight: 15%
D 38

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.07

Balance Sheet

Weight: 20%
A- 82

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 10.8%

Stability

Weight: 10%
D+ 39
  • EPS Volatility (σ/μ) 0.52
  • Negative-Revenue Years (5) 3/5
  • Piotroski F-Score 5

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.