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ALRS Alerus Financial Corporation
Banks, Insurers & Asset Managers
C- 48.1 / 100 composite

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

Profitability

Weight: 25%
D 36

Scored using ROA (NIM proxy) — financial-archetype substitution.

  • 5yr Avg ROA 0.5%
  • Operating Margin Trend -6.12 pp/yr

Capital Efficiency

Weight: 20%
D- 32

Scored using ROTCE — financial-archetype substitution.

  • 5yr Avg ROTCE 6.3%
  • 5yr Share-Count CAGR 10.1%

Growth Quality

Weight: 10%
C+ 62

Scored using BVPS — financial-archetype substitution.

  • 5yr BVPS CAGR 10.1%
  • 5yr EPS CAGR -30.8%
  • Positive-EPS Years (5) 5/5

Cash Generation

Weight: 5%
A 90

Scored using OCF/NI — banks have no FCF concept.

  • 5yr OCF/NI 2.68x

Balance Sheet

Weight: 30%
C+ 58

Scored using Equity/Assets — financial-archetype substitution.

  • Equity / Assets 10.8%
  • Interest Coverage (EBIT/Int) 0.21x

Stability

Weight: 10%
D+ 43
  • EPS Volatility (σ/μ) 0.52
  • Piotroski F-Score 6
  • Negative-Revenue Years (5) 3/5

Guru Flow

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

Not held by any curated guru.