Alerus Financial Revenue vs. Operating Margin
| ALRS Stock | USD 19.99 0.17 0.86% |
Total Revenue | First Reported 2012-09-30 | Previous Quarter 80.1 M | Current Value 50.2 M | Quarterly Volatility 11.4 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Net Profit Margin | 0.11 | 0.0704 |
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| Operating Profit Margin | 0.2 | 0.31 |
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| Pretax Profit Margin | 0.16 | 0.0954 |
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| Return On Assets | 0.0028 | 0.003 |
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| Return On Equity | 0.0301 | 0.0317 |
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For Alerus Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Alerus Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Alerus Financial Corp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Alerus Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Alerus Financial Corp over time as well as its relative position and ranking within its peers.
Alerus |
Alerus Financial's Revenue Breakdown by Earning Segment
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Is Diversified Financial Services space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Alerus Financial. If investors know Alerus will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Alerus Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.42) | Dividend Share 0.78 | Earnings Share 0.17 | Revenue Per Share 8.323 | Quarterly Revenue Growth 0.009 |
The market value of Alerus Financial Corp is measured differently than its book value, which is the value of Alerus that is recorded on the company's balance sheet. Investors also form their own opinion of Alerus Financial's value that differs from its market value or its book value, called intrinsic value, which is Alerus Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Alerus Financial's market value can be influenced by many factors that don't directly affect Alerus Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Alerus Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Alerus Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Alerus Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Alerus Financial Corp Operating Margin vs. Revenue Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining Alerus Financial's current stock value. Our valuation model uses many indicators to compare Alerus Financial value to that of its competitors to determine the firm's financial worth. Alerus Financial Corp is rated second in revenue category among its peers. It is rated below average in operating margin category among its peers . The ratio of Revenue to Operating Margin for Alerus Financial Corp is about 833,329,990 . At this time, Alerus Financial's Total Revenue is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Alerus Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Alerus Revenue vs. Competition
Alerus Financial Corp is rated second in revenue category among its peers. Market size based on revenue of Financials industry is presently estimated at about 1.32 Billion. Alerus Financial retains roughly 166.17 Million in revenue claiming about 13% of equities under Financials industry.
Alerus Operating Margin vs. Revenue
Revenue is income that a firm generates from business activities such us rendering services or selling goods to customers. It is a crucial part of a business and an essential item when evaluating a company's financial statements. Revenues from a firm's primary business operations can be reported on the income statement as sales revenue, net sales, or simply sales, depending on the industry in which a given company operates.
Alerus Financial |
| = | 166.17 M |
Revenue is typically recorded when cash or cash equivalents are exchanged for services or goods and can include products or services discounts, promotions, as well as early payments on invoices or services rendered in advance.
Operating Margin shows how much operating income a company makes on each dollar of sales. It is one of the profitability indicators which helps analysts to understand whether the firm is successful or not making money from everyday operations.
Alerus Financial |
| = | 0.20 % |
A good Operating Margin is required for a company to be able to pay for its fixed costs or payout its debt, which implies that the higher the margin, the better. This ratio is most effective in evaluating the earning potential of a company over time when comparing it against a firm's competitors.
Alerus Operating Margin Comparison
Alerus Financial is currently under evaluation in operating margin category among its peers.
Alerus Financial Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Alerus Financial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Alerus Financial will eventually generate negative long term returns. The profitability progress is the general direction of Alerus Financial's change in net profit over the period of time. It can combine multiple indicators of Alerus Financial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -73.7 M | -70 M | |
| Operating Income | 15.9 M | 15.1 M | |
| Income Before Tax | 15.9 M | 31.2 M | |
| Net Income Applicable To Common Shares | 46 M | 48.3 M | |
| Net Income | 11.7 M | 21.9 M | |
| Income Tax Expense | 4.2 M | 4 M | |
| Total Other Income Expense Net | 15.9 M | 16.6 M | |
| Net Income From Continuing Ops | 37.4 M | 32.7 M | |
| Net Interest Income | 93.3 M | 88.6 M | |
| Interest Income | 156 M | 108.2 M | |
| Change To Netincome | 60.4 M | 63.5 M | |
| Net Income Per Share | 0.59 | 0.56 | |
| Income Quality | 2.48 | 1.52 | |
| Net Income Per E B T | 0.74 | 0.55 |
Alerus Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Alerus Financial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Alerus Financial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Alerus Financial's important profitability drivers and their relationship over time.
Use Alerus Financial in pair-trading
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Alerus Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Alerus Financial will appreciate offsetting losses from the drop in the long position's value.Alerus Financial Pair Trading
Alerus Financial Corp Pair Trading Analysis
The ability to find closely correlated positions to Alerus Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Alerus Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Alerus Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Alerus Financial Corp to buy it.
The correlation of Alerus Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Alerus Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Alerus Financial Corp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Alerus Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Use Investing Themes to Complement your Alerus Financial position
In addition to having Alerus Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Additional Tools for Alerus Stock Analysis
When running Alerus Financial's price analysis, check to measure Alerus Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Alerus Financial is operating at the current time. Most of Alerus Financial's value examination focuses on studying past and present price action to predict the probability of Alerus Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Alerus Financial's price. Additionally, you may evaluate how the addition of Alerus Financial to your portfolios can decrease your overall portfolio volatility.