Providing a diverse range of perspectives from bullish to bearish, 4 analysts have published ratings on Alerus Finl ALRS in the last three months.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 0 | 1 | 3 | 0 | 0 |
| Last 30D | 0 | 1 | 2 | 0 | 0 |
| 1M Ago | 0 | 0 | 0 | 0 | 0 |
| 2M Ago | 0 | 0 | 1 | 0 | 0 |
| 3M Ago | 0 | 0 | 0 | 0 | 0 |
Analysts have set 12-month price targets for Alerus Finl, revealing an average target of $23.5, a high estimate of $24.00, and a low estimate of $23.00. This upward trend is apparent, with the current average reflecting a 6.82% increase from the previous average price target of $22.00.
Analyzing Analyst Ratings: A Detailed Breakdown
The standing of Alerus Finl among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Jeffrey Rulis | DA Davidson | Maintains | Neutral | $23.00 | $23.00 |
| David Long | Raymond James | Raises | Outperform | $24.00 | $22.00 |
| Nathan Race | Piper Sandler | Raises | Neutral | $24.00 | $21.00 |
| Damon Delmonte | Keefe, Bruyette & Woods | Raises | Market Perform | $23.00 | $22.00 |
Key Insights:
- Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Alerus Finl. This information offers a snapshot of how analysts perceive the current state of the company.
- Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Alerus Finl compared to the broader market.
- Price Targets: Gaining insights, analysts provide estimates for the future value of Alerus Finl's stock. This comparison reveals trends in analysts' expectations over time.
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into Alerus Finl's market standing. Stay informed and make well-considered decisions with our Ratings Table.
Stay up to date on Alerus Finl analyst ratings.
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Discovering Alerus Finl: A Closer Look
Alerus Financial Corp is a financial holding company registered in the United States. The company operates in four segments: Banking, Retirement & Benefit Services, Wealth Management, and Mortgage. It provides various banking services such as checking, debit cards, savings, current deposits, loans and advances, online banking, mobile banking, private banking, payment solutions, and other business products. Additionally, the company provides mortgage loans, retirement planning solutions, individual retirement accounts, retirement plan advisory services as well as wealth management services, including financial & estate planning, trust, and fiduciary services. The company's revenue mainly consists of interest income, commission, management fees, and other income.
Key Indicators: Alerus Finl's Financial Health
Market Capitalization Analysis: The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.
Revenue Growth: Over the 3 months period, Alerus Finl showcased positive performance, achieving a revenue growth rate of 4.38% as of 30 September, 2024. This reflects a substantial increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Net Margin: Alerus Finl's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 10.32%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): Alerus Finl's ROE stands out, surpassing industry averages. With an impressive ROE of 1.36%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): Alerus Finl's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.12%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: With a below-average debt-to-equity ratio of 0.7, Alerus Finl adopts a prudent financial strategy, indicating a balanced approach to debt management.
The Significance of Analyst Ratings Explained
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
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