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Commentary (1 Jul 2024 @ 16:00):
Our systems believe the stock currently is overvalued by -0.03% compare to its pairs and should correct downwards.

Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers...

Stats
Today's Volume	57 687
Average Volume	62 538
Market Cap	382.29M
EPS	$0.320 ( Q1 \| 2024-05-02 )
Next earnings date	( $0.370 ) 2024-07-24
Last Dividend	$0.200 ( 2024-06-14 )
Next Dividend	$0 ( N/A )
P/E	38.66 (Sector) 19.12 (Industry) 0
ATR14	$0.0310 (0.16%)

ABCB -0.04%

ACNB -0.30%

AFBI -0.61%

ALRS -1.43%

ALTA -1.25%

AMAL -1.31%

AMNB -0.33%

AMRB 2.00%

AMTB 0.00%

AMTBB -1.24%

AROW -0.65%

ASRV 3.98%

ATLO -2.15%

AUB -0.37%

AUBN -2.68%

BAFN 0.09%

BANF -0.76%

BANR -0.85%

BCBP -2.92%

BCML 0.25%

BCOW -1.34%

BFC -0.21%

BFIN 0.58%

BFST -1.15%

BKSC -0.81%

BLFY -0.17%

BMRC 1.67%

BMTC -1.57%

BOCH -1.56%

BOKF -0.93%

BOTJ -4.80%

BPFH 0.07%

BPOP -0.25%

BPRN -2.11%

BRKL 2.75%

BSBK 0.00%

BSRR -0.63%

BSVN -1.66%

BUSE -1.73%

BWB -0.78%

BWBBP 0.06%

BWFG 0.87%

BYFC 6.81%

CAC -0.45%

CALB 1.07%

CARE -1.39%

CARV 5.67%

CASH 1.13%

CATC -1.06%

CATY -1.83%

CBAN -0.82%

CBFV -1.85%

CBNK -0.20%

CBSH -1.00%

CCB -0.28%

CCBG -1.27%

CCNE -2.65%

CFB 0.21%

CFBK 0.96%

CFFI -6.29%

CFFN -0.36%

CFSB 0.31%

CHCO -0.48%

CHMG -3.42%

CIVB -4.13%

CIZN 0.13%

CLBK -1.47%

CLDB 1.39%

CLST -0.09%

CNBKA 0.06%

CNNB 0.32%

CNOB 1.01%

CNOBP 0.68%

COFS -2.62%

COLB -0.30%

CSTR 0.05%

CTBI -0.60%

CULL 0.00%

CVBF -1.04%

CVCY 2.26%

CVLY 4.98%

CWBC -2.76%

CZNC -3.75%

CZWI -1.47%

DCOM -1.52%

DCOMP -0.54%

EBC -1.22%

EBMT -1.36%

EBSB -2.03%

EBTC -3.62%

EFSC -1.93%

EFSCP -2.92%

EGBN -0.90%

EQBK -0.85%

ESBK 0.04%

ESQ -1.05%

ESSA -1.42%

ESXB -3.99%

FBIZ -1.32%

FBMS -1.77%

FBNC -0.85%

FCAP 0.16%

FCBC -1.28%

FCBP 0.83%

FCCO -4.29%

FCCY 3.81%

FCNCA 0.83%

FCNCO 0.05%

FCNCP 0.14%

FDBC -0.09%

FFBC -0.32%

FFBW 0.00%

FFIC -0.76%

FFIN -2.17%

FFNW 0.47%

FFWM -1.22%

FGBI 1.89%

FGBIP 0.27%

FHB -0.43%

FIBK -1.22%

FINW 2.45%

FISI -1.66%

FITB -0.60%

FITBI 0.71%

FITBO 0.82%

FITBP -0.09%

FLIC 2.20%

FMAO -3.49%

FMBH -1.16%

FMBI 2.77%

FMBIO -0.08%

FMBIP -0.34%

FMNB -0.88%

FNCB 5.30%

FNLC -0.68%

FNWB -0.62%

FNWD 1.79%

FRAF 0.00%

FRBA -0.31%

FRBK 0.00%

FRME -1.47%

FRST 0.00%

FSBC 0.63%

FSBW -4.14%

FSEA 0.00%

FSFG 2.30%

FULT -0.24%

FULTP 0.40%

FUNC 0.00%

FUSB 2.59%

FVCB -4.76%

FXNC 0.00%

GABC -1.98%

GBCI -0.80%

GBNY -0.10%

GCBC -4.00%

GFED 0.06%

GGAL -9.46%

GLBZ -4.38%

GNTY -2.47%

GSBC -1.34%

HAFC -1.97%

HBAN -0.15%

HBANM -0.79%

HBANN -0.08%

HBANO 0.08%

HBANP -1.19%

HBCP -2.60%

HBMD 0.00%

HBNC 0.97%

HBT -1.52%

HFBL -0.78%

HFWA -0.72%

HIFS 1.25%

HMNF -1.09%

HMST -1.40%

HNVR -0.83%

HOMB -1.04%

HONE -1.98%

HOPE -1.02%

HTBI -0.23%

HTBK -1.72%

HTLF -1.28%

HTLFP -0.20%

HVBC 2.06%

HWBK 1.16%

HWC -1.17%

IBCP -2.37%

IBOC 0.98%

IBTX -0.66%

ICBK 1.91%

INBK 1.81%

INDB -1.32%

ISTR -0.52%

KFFB 0.00%

KRNY -2.44%

LARK 2.08%

LBAI 1.13%

LBC 0.55%

LCNB -2.52%

LEVL -0.94%

LEVLP 0.23%

LKFN -1.59%

LMST 0.00%

LOB -2.54%

LSBK -5.68%

MBCN -2.99%

MBIN 0.96%

MBINN 0.45%

MBINO 0.94%

MBINP 0.16%

MBNKP 1.80%

MBWM -1.80%

MCBC 0.21%

MCBS -2.35%

MFNC 0.56%

MGYR 0.36%

MLVF -0.29%

MNSB -5.47%

MNSBP 0.58%

MOFG -1.33%

MPB -0.73%

MRBK -1.14%

MSBI 0.00%

MSVB 0.00%

MVBF -1.34%

MYFW -0.06%

NBN 0.12%

NBTB -1.27%

NCBS 0.35%

NECB 0.17%

NFBK 0.53%

NKSH 3.08%

NRIM -0.54%

NSTS 0.21%

NWBI -0.61%

NWFL -3.39%

OBNK 0.00%

OBT -10.16%

OCFC -2.58%

OCFCP 0.33%

ONB -0.52%

ONBPO 0.40%

ONBPP 1.70%

OPBK -0.52%

OPHC 0.00%

OPOF 0.14%

ORRF 4.79%

OSBC 0.54%

OVBC -2.25%

OVLY -2.96%

OZK -0.51%

OZKAP 0.06%

PACW -2.71%

PBBK 1.51%

PBFS 3.80%

PBHC -2.30%

PCB -3.38%

PDLB -0.22%

PEBK -2.36%

PEBO -0.93%

PFBC -0.45%

PFBI -0.34%

PFC -0.73%

PFHD -0.52%

PFIS -0.04%

PGC -0.93%

PKBK -6.03%

PLBC -1.81%

PMBC -1.16%

PNBK -1.07%

PNFP -1.07%

PNFPP 0.00%

PPBI -1.13%

PROV -1.70%

PTRS 0.99%

PVBC 0.29%

PWOD -2.34%

QCRH -1.70%

RBB -0.05%

RBCAA -1.32%

RBKB 0.38%

RBNC 1.40%

RIVE 1.44%

RMBI -1.79%

RNST 0.13%

RRBI -0.56%

RVSB 1.00%

SAL 1.57%

SASR -2.18%

SBCF -1.02%

SBFG 0.00%

SBNY -1.27%

SBNYP 0.00%

SBSI -1.70%

SBT -0.38%

SFBC -2.12%

SFBS -0.52%

SFNC -0.63%

SFST -0.72%

SHBI -0.70%

SIVB 0.00%

SIVBP 0.00%

SLCT 0.00%

SMBC -1.42%

SMBK -1.48%

SMMF -2.50%

SPFI 3.30%

SRCE -0.26%

SSB -0.81%

SSBI -5.82%

SSBK -1.14%

STBA -0.81%

STXB -0.23%

SVBI 1.55%

SYBT -0.85%

TBBK 0.37%

TBNK -1.73%

TCBC 1.93%

TCBI -0.79%

TCBIO 0.90%

TCBK -1.47%

TCBS 0.21%

TCBX -0.99%

TCFC -1.56%

TECTP 0.88%

TFSL -1.03%

THFF -0.22%

TOWN -0.95%

TRMK -1.10%

TRST -1.11%

TSBK -0.92%

TSCAP 0.00%

TSCBP -0.53%

UBCP 1.11%

UBFO -0.34%

UBOH 0.00%

UBSI -0.46%

UCBI -1.41%

UCBIO -0.43%

UMBF -1.22%

UMPQ 0.00%

UNB -2.00%

UNTY -2.43%

USCB -1.87%

UVSP -0.48%

VBFC 2.28%

VBNK -2.45%

VBTX -1.52%

VLY -1.29%

VLYPO 0.61%

VLYPP -0.14%

WABC -0.72%

WAFD -1.33%

WAFDP -0.27%

WASH -1.71%

WMPN -1.67%

WNEB 0.00%

WSBC -0.64%

WSBCP 0.12%

WSBF 0.86%

WSFS -1.28%

WTBA -1.79%

WTFC 0.92%

WTFCM 0.70%

WTFCP 0.73%

ZION -0.12%

ZIONO 0.28%

ZIONP -0.16%

Insider Trading

Date	Person	Action	Amount	type
2024-05-21	Newman Randy L	Buy	2 559	Common stock
2024-05-21	Coughlin Daniel E	Buy	2 559	Common stock
2024-05-21	Estep Janet O	Buy	2 559	Common stock
2024-05-21	Vetter Galen G	Buy	2 559	Common stock
2024-05-21	Zimmer Mary	Buy	2 559	Common stock

INSIDER POWER
64.87
Last 87 transactions
Buy: 238 441 \| Sell: 49 489

Correlation (AI algo v.1.1b): Overvalued: -0.03% $19.34 paired level. (The Algo Track The Changes Of The Most Correlated Stocks In Realtime And Give An Instant Update)

Volume Correlation

Long: 0.30 (neutral)

Short: 0.74 (moderate)

Signal:(37.681) Neutral

Alerus Financial Corp Correlation

10 Most Positive Correlations
OZEM	1
GLBZ	0.85
SHMDW	0.843
PRGS	0.842
GTEC	0.828
PHAR	0.823
SMRT	0.821
CSBR	0.82
SAGE	0.819
BRZE	0.818

10 Most Negative Correlations
BKHA	-0.931
FTRI	-0.886
PUI	-0.851
BKHAR	-0.851
EXC	-0.842
RING	-0.831
USAP	-0.821
SBNY	-0.82
IPKW	-0.819
FRLA	-0.816

Did You Know?

Correlation is a statistical measure that describes the relationship between two variables. It ranges from -1 to 1, where -1 indicates a perfect negative correlation (as one variable increases, the other decreases), 1 indicates a perfect positive correlation (as one variable increases, the other increases), and 0 indicates no correlation (there is no relationship between the variables).

Correlation can be used to analyze the relationship between any two variables, not just stocks. It's commonly used in fields such as finance, economics, psychology, and more.

Alerus Financial Corp Correlation - Currency/Commodity

-0.11
( neutral )

-0.09
( neutral )

0.00
( neutral )

-0.16
( neutral )

0.07
( neutral )

0.16
( neutral )

Alerus Financial Corp Financials

Annual	2023
Revenue:	$244.85M
Gross Profit:	$245.11M (100.11 %)
EPS:	$0.590

FY	2023
Revenue:	$244.85M
Gross Profit:	$245.11M (100.11 %)
EPS:	$0.590

FY	2022
Revenue:	$208.77M
Gross Profit:	$208.77M (100.00 %)
EPS:	$2.12

FY	2021
Revenue:	$230.24M
Gross Profit:	$0.00 (0.00 %)
EPS:	$3.02

Financial Reports:

No articles found.

Alerus Financial Corp Dividends

(Q3/22)	(Q4/22)	(Q1/23)	(Q2/23)	(Q3/23)	(Q4/23)	(Q1/24)	(Q2/24)	(Q3/24)	(Q4/24)
$0.180 (N/A)	$0.180 (N/A)	$0.180 (N/A)	$0.190 (N/A)	$0.190 (N/A)	$0.190 (N/A)	$0.190 (N/A)	$0.200 (N/A)	$0 (N/A)	$0 (N/A)

Alerus Financial Corp Dividend Information - Dividend King

Dividend Sustainability Score: 6.06 - average (68.95%) | Divividend Growth Potential Score: 6.29 - Stable (25.86%)

Very Unsafe

High risk of being cut

Unsafe

Heightened risk of being cut

Borderline

Moderate risk of being cut

Safe

Unlikely to be cut

Very Safe

Very unlikely to be cut

Information

First Dividend	$0.0383	2003-06-18
Last Dividend	$0.200	2024-06-14
Next Dividend	$0	N/A
Payout Date	2024-07-15
Next Payout Date	N/A
# dividends	84	--
Total Paid Out	$8.53	--
Avg. Dividend % Per Year	2.45%	--
Score	5.17	--
Div. Sustainability Score	6.06
Div.Growth Potential Score	6.29
Div. Directional Score	6.18	--

Next Divdend (Est)
(2024-07-03)

$0.203 Estimate 74.63 %

Dividend Stability

1.00 Excellent

Dividend Score

5.17

Pay Frequency

Quarterly

Yearly Payout

Year	Amount	Yield
2003	$0.120	2.56%
2004	$0.175	3.62%
2005	$0.193	2.50%
2006	$0.213	2.30%
2007	$0.235	1.96%
2008	$0.260	2.41%
2009	$0.280	3.64%
2010	$0.293	4.00%
2011	$0.297	3.49%
2012	$0.233	2.75%
2013	$0.340	3.29%
2014	$0.383	2.29%
2015	$0.420	2.05%
2016	$0.440	2.35%
2017	$0.480	2.75%
2018	$0.530	2.56%
2019	$0.570	2.86%
2020	$0.600	2.67%
2021	$0.630	2.37%
2022	$0.700	2.40%
2023	$0.750	3.33%
2024	$0.390	1.77%

Dividend Commentary

With a moderate Dividend Sustainability Score (DSS), the company may sustain its dividends, but continuous monitoring is advised for any financial shifts. However, its Dividend Growth Potential Score (DGPS) is only moderate, indicating limited growth potential. On the whole, the dividend outlook remains neutral, meriting close observation of both the company's financial health and growth prospects.

Dividend History

Ex Date	Amount	Declaration Date	Record Date	Payment Date
14 Jun 2024	$0.200	21 May 2024	14 Jun 2024	15 Jul 2024
14 Mar 2024	$0.190	27 Feb 2024	15 Mar 2024	12 Apr 2024
26 Dec 2023	$0.190	14 Dec 2023	27 Dec 2023	12 Jan 2024
14 Sep 2023	$0.190	24 Aug 2023	15 Sep 2023	13 Oct 2023
14 Jun 2023	$0.190	10 May 2023	15 Jun 2023	14 Jul 2023
14 Mar 2023	$0.180	21 Feb 2023	15 Mar 2023	14 Apr 2023
22 Dec 2022	$0.180	03 Nov 2022	23 Dec 2022	13 Jan 2023
29 Sep 2022	$0.180	13 Sep 2022	30 Sep 2022	14 Oct 2022
16 Jun 2022	$0.180	11 May 2022	17 Jun 2022	08 Jul 2022
17 Mar 2022	$0.160	19 Jan 2022	18 Mar 2022	08 Apr 2022
22 Dec 2021	$0.160	23 Nov 2021	24 Dec 2021	14 Jan 2022
16 Sep 2021	$0.160	26 Jul 2021	17 Sep 2021	08 Oct 2021
17 Jun 2021	$0.160	11 May 2021	18 Jun 2021	09 Jul 2021
18 Mar 2021	$0.150	22 Feb 2021	19 Mar 2021	09 Apr 2021
17 Dec 2020	$0.150	17 Nov 2020	18 Dec 2020	08 Jan 2021
17 Sep 2020	$0.150	23 Jul 2020	18 Sep 2020	09 Oct 2020
12 Jun 2020	$0.150	12 May 2020	15 Jun 2020	10 Jul 2020
19 Mar 2020	$0.150	20 Feb 2020	20 Mar 2020	10 Apr 2020
19 Dec 2019	$0.150	11 Nov 2019	20 Dec 2019	10 Jan 2020
19 Sep 2019	$0.140	28 Aug 2019	20 Sep 2019	11 Oct 2019

Top 10 dividend Companies for NASDAQ

Symbol	Title	Last dividend	Frequency	Years Dividend	Yearly Dividend	Score
OXLC	Dividend Diamond	2024-09-16	Monthly	14	15.03%	9.60
DMLP	Dividend Diamond	2024-04-26	Quarterly	22	10.71%	9.35
OXSQ	Dividend Diamond	2024-09-16	Monthly	21	12.73%	9.02
ARLP	Dividend Royal	2024-05-07	Quarterly	26	9.67%	8.87
PNNT	Dividend Royal	2024-06-14	Monthly	18	9.49%	8.82
MFIC	Dividend Royal	2024-06-11	Quarterly	21	10.89%	8.79
SPOK	Dividend Royal	2024-05-23	Quarterly	20	8.73%	8.72
PSEC	Dividend Royal	2024-06-25	Monthly	21	9.03%	8.65
SBLK	Dividend Royal	2024-06-06	Quarterly	17	13.10%	8.63
GBDC	Dividend Royal	2024-11-29	Bi-Monthly	15	8.53%	8.62

Dividend Sustainability Score (DSS)

Ratio	Actual Value	Weight	Normalized Value	Score	Range
netProfitMarginTTM	0.0461	1.500	9.08	10.00	[0 - 0.5]
returnOnAssetsTTM	0.00229	1.200	9.92	10.00	[0 - 0.3]
returnOnEquityTTM	0.0275	1.500	-0.806	-1.209	[0.1 - 1]
payoutRatioTTM	1.504	-1.000	10.00	-10.00	[0 - 1]
currentRatioTTM	0.164	0.800	-4.18	-3.34	[1 - 3]
quickRatioTTM	0.299	0.800	-2.95	-2.36	[0.8 - 2.5]
cashRatioTTM	0.158	1.500	-0.234	-0.351	[0.2 - 2]
debtRatioTTM	0.142	-1.500	7.63	-10.00	[0 - 0.6]
interestCoverageTTM	0.228	1.000	-1.027	-1.027	[3 - 30]
operatingCashFlowPerShareTTM	1.940	2.00	9.35	10.00	[0 - 30]
freeCashFlowPerShareTTM	1.781	2.00	9.11	10.00	[0 - 20]
debtEquityRatioTTM	1.657	-1.500	3.37	-5.06	[0 - 2.5]
grossProfitMarginTTM	1.001	1.000	10.00	10.00	[0.2 - 0.8]
operatingProfitMarginTTM	0.0767	1.000	-0.466	-0.466	[0.1 - 0.6]
cashFlowToDebtRatioTTM	0.0622	1.000	-0.766	-0.766	[0.2 - 2]
assetTurnoverTTM	0.0497	0.800	-3.00	-2.40	[0.5 - 2]
Total Score				6.06

Dividend Growth Score (DGS)

Ratio	Actual Value	Weight	Normalized Value	Score	Range
peRatioTTM	38.93	1.000	6.17	0	[1 - 100]
returnOnEquityTTM	0.0275	2.50	-0.518	-1.209	[0.1 - 1.5]
freeCashFlowPerShareTTM	1.781	2.00	9.41	10.00	[0 - 30]
dividendYielPercentageTTM	3.93	1.500	10.00	0	[0 - 0.4]
operatingCashFlowPerShareTTM	1.940	2.00	9.35	10.00	[0 - 30]
payoutRatioTTM	1.504	1.500	10.00	-10.00	[0 - 1]
pegRatioTTM	4.93	1.500	10.00	0	[0.5 - 2]
operatingCashFlowSalesRatioTTM	0.178	1.000	8.06	0	[0.1 - 0.5]
Total Score				6.29

Alerus Financial Corp Options Data

Calls

Contract Name	Last Trade Date (EDT)	Strike	Last Price	Bid	Ask	Change	% Change	Volume	Open Interest	Implied Volatility	Strike Date
No data available

Puts

Contract Name	Last Trade Date (EDT)	Strike	Last Price	Bid	Ask	Change	% Change	Volume	Open Interest	Implied Volatility	Strike Date
No data available

Alerus Financial Corp

Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, provides various financial services to businesses and consumers. The company operates in four segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. It offers various deposit products, including demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, checking accounts, and certificates of deposit; and treasury management products, including electronic receivables management, remote deposit capture, cash vault services, merchant services, and other cash management services. The company also provides commercial loans, business term loans, lines of credit, and commercial real estate loans, as well as construction and land development loans; consumer lending products, including residential first mortgage loans; installment loans and lines of credit; and second mortgage loans. In addition, it offers retirement plan administration and investment advisory services, employee stock ownership plan, fiduciary services, payroll, health savings accounts, and other benefit services, as well as individual retirement accounts; and financial planning, investment management, personal and corporate trust, estate administration, and custody services. Further, the company provides debit and credit cards, online banking, mobile banking/wallet, payment, private banking, payroll accounts, flex spending accounts, administration, and government health insurance program services. It offers banking services through fourteen offices in North Dakota, Minnesota, and Arizona; and retirement and benefit plans in 50 states through offices located in Michigan, Minnesota, and Colorado. The company was formerly known as First National Bank North Dakota and changed its name to Alerus Financial Corporation in 2000. Alerus Financial Corporation was founded in 1879 and is headquartered in Grand Forks, North Dakota.