Stock Ratings / Financials / ALRS / financials

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Alerus Financial Corporation (ALRS) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$33.03 +2.36% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Alerus Financial Corporation (ALRS) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $823.4M

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INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ALRS)Realized 20D OHLCV Swing Band: ±4.6%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How ALRS Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$58.8M (1.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$17.4M	$58.8M	3.1%
FY 2024	$4.00B	52%	0%	$17.8M	$9.4M	3.1%
FY 2023	$4.00B	52%	0%	$11.7M	$26.8M	3.1%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring ALRS)

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ALRS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +22.61%▲ RESISTANCE BREAKOUT

2026-10-30O $33.19H $33.54L $32.92C $33.03VOL 180.3K

RES: $32.32SUP: $30.39SMA50: $32.37SMA200: $28.81

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ALRS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ALRS Butterfly Map → + Track ALRS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

34.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ALRS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ALRS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ALRS)

Financials Rank #286 of 1096 ⚔️ IBCP vs ALRS Full Matrix →

1. Head-to-Head Financials Peer Comparison (ALRS vs. IBCP, SPFI, RCBC, SMBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Alerus Financial Corporation (ALRS) ranks #286 by composite RQD confidence (66/100, grade C+) and #597 by equity capitalization ($823.4M). Within this direct 5-issuer industry benchmark cohort, IBCP leads on earnings valuation at 12.0x trailing P/E, while IBCP leads on capital efficiency and profitability with 13.6% ROIC and — gross margin. SPFI currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with ALRS at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ALRS ACTIVE Alerus Financial Corporation	C+	66/100	47.2x	—	3.1%	+2.36%	$823.4M	Benchmark Subject
IBCP Independent Bank Corporation	C+	66/100	12.0x	—	13.6%	+0.49%	$819.2M	/ibcp-vs-alrs →
SPFI South Plains Financial Inc.	B-	71/100	14.2x	—	11.8%	+1.05%	$832.5M	/spfi-vs-alrs →
RCBC River City Bank	D+	57/100	—	—	—	-0.30%	$834.2M	/rcbc-vs-alrs →
SMBK SmartFinancial Inc.	C+	68/100	16.7x	—	9.1%	+1.09%	$839.0M	/smbk-vs-alrs →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000903419

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Alerus Financial Corporation (ALRS) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $17.4M, operating cash flow of $67.5M, and free cash flow of $58.8M (+527.5% YoY). On the balance sheet, ALRS closed FY2025 with $5.23B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$17.4M	$67.5M	$58.8M	$5.23B	—
FY2024 (FY)	2024-12-31	$0	$17.8M	$21.7M	$9.4M	$5.26B	—
FY2023 (FY)	2023-12-31	$0	$11.7M	$26.8M	$26.8M	—	—

3. ALRS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ALRS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Alerus Financial Corporation (NASDAQ: ALRS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $33.03 (+2.36% 1D, market cap $823.4M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, ALRS ranks #286 in composite RQD confidence.

How does ALRS compare to IBCP and SPFI in the Financials sector?

Within the Financials sector (Major Banks), ALRS carries a Roarable C+ (66/100 RQD), trailing P/E of 47.2x, gross margin of —, and ROIC of 3.1%. By comparison, IBCP (Independent Bank Corporation) holds a C+ grade (66/100 RQD, P/E 12.0x, ROIC 13.6%, cap $819.2M) and SPFI (South Plains Financial Inc.) posts a B- grade (71/100 RQD, P/E 14.2x, ROIC 11.8%, cap $832.5M). Among the 5-stock peer group, IBCP leads on earnings multiple (12.0x) while IBCP leads on capital efficiency (13.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ALRS?

Per ALRS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000903419), Alerus Financial Corporation generated $0 in revenue, $17.4M in net income, and $58.8M in free cash flow against $5.23B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Priced at 47x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ALRS trading relative to its 50-day, 200-day, and 52-week technical levels?

ALRS last traded at $33.03 (+2.36% on volume of 179,626 shares), positioning the stock +2.04% above its 50-day simple moving average ($32.37) and +14.65% above its 200-day simple moving average ($28.81). Across its 52-week range of $20.75 to $34.40, ALRS sits at the 90.0% percentile with a 14-day RSI of 63.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($31.51 to $34.55).