Alerus Financial Corporation

DB:5QD Stock Report

Market Cap: €480.4m

Alerus Financial Past Earnings Performance

Past criteria checks 0/6

Alerus Financial's earnings have been declining at an average annual rate of -13.6%, while the Diversified Financial industry saw earnings growing at 0.6% annually. Revenues have been declining at an average rate of 2.7% per year. Alerus Financial's return on equity is 0.8%, and it has net margins of 1.9%.

Key information

-13.6%

Earnings growth rate

-17.8%

EPS growth rate

Diversified Financial Industry Growth9.1%
Revenue growth rate-2.7%
Return on equity0.8%
Net Margin1.9%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Alerus Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:5QD Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2416531230
30 Jun 2416471200
31 Mar 24165101190
31 Dec 23166121180
30 Sep 23198371130
30 Jun 23204381180
31 Mar 23208381200
31 Dec 22211401200
30 Sep 22216411270
30 Jun 22220451270
31 Mar 22226471300
31 Dec 21238521340
30 Sep 21240491390
30 Jun 21245541370
31 Mar 21242541340
31 Dec 20222441290
30 Sep 20208411200
30 Jun 20191311180
31 Mar 20183281150
31 Dec 19181291130
30 Sep 19179271000
30 Jun 19176281020
31 Mar 19170251060
31 Dec 18169261080
30 Sep 18168201380
30 Jun 18166181330
31 Mar 18169171000
31 Dec 17167151040
30 Sep 17171201010
30 Jun 17168181010
31 Mar 17167161020
31 Dec 16164141270
30 Sep 1615511970
30 Jun 1615013940
31 Mar 1614615900
31 Dec 1514217860
30 Sep 1514319850
30 Jun 1514221810
31 Mar 1513620760
31 Dec 1413021720
30 Sep 1412518700
30 Jun 1412117690
31 Mar 1412119690
31 Dec 1312520710

Quality Earnings: 5QD has a large one-off loss of $2.3M impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: 5QD's current net profit margins (1.9%) are lower than last year (18.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 5QD's earnings have declined by 13.6% per year over the past 5 years.

Accelerating Growth: 5QD's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 5QD had negative earnings growth (-91.4%) over the past year, making it difficult to compare to the Diversified Financial industry average (-11%).

Return on Equity

High ROE: 5QD's Return on Equity (0.8%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/27 06:32
End of Day Share Price 2024/12/27 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Alerus Financial Corporation is covered by 8 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jeffrey RulisD.A. Davidson & Co.
null nullD.A. Davidson & Co.
Brendan NosalHovde Group, LLC