Alerus Financial Corporation cash flow to debt ratio of 15.33% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Alerus Financial Corporation's free cash flow has increased 254.62% from $16.59M last year to $58.83M, signaling increasing performance

Alerus Financial Corporation's debt to equity ratio is 0.77, which means that the company's assets are unhealthy financed, signaling financial risk.

Alerus Financial Corporation's debt has increased relative to shareholder equity from 0.64 last year to 0.77 today, signaling weakened financials

Alerus Financial Corporation has a net debt to EBITDA ratio of 9.32x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Alerus Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Alerus Financial Corporation's profit margin has increased (58.44%) in the last year from 5.26% to 8.33%, signaling increasing performance

Alerus Financial Corporation's short-term liabilities of $308.80M exceed its short-term assets of $88.93M, signaling financial risk

Alerus Financial Corporation's return on assets of 0.52% is lower than the 5.00% threshold, indicating inefficient asset utilization

Alerus Financial Corporation's return on equity of 4.88%, is lower than 15.00%, indicating bad performance

Alerus Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Alerus Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Alerus Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Alerus Financial Corporation has a free cash flow yield of 7.05%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Alerus Financial Corporation's yearly earnings has decreased 1.92% since last year from $17.78M to $17.44M, signaling decreasing performance

Alerus Financial Corporation's yearly revenue has increased 0.33% since last year from $330.41M to $331.51M, signaling increasing performance

ROIC 6.92% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Alerus Financial Corporation's 3-year revenue CAGR of 13.44% is positive, indicating growing revenue over the past 3 years

Alerus Financial Corporation had revenue growth in only 2 out of 5 years, indicating inconsistent revenue performance

Alerus Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Alerus Financial Corporation has insufficient data to evaluate this check.

Alerus Financial Corporation has an earnings yield of 3.29%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

Alerus Financial Corporation is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Alerus Financial Corporation has an EV/EBITDA ratio of 30.24x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Alerus Financial Corporation is overvalued relative to its fair value price of 14.43 based on Earnings Fair Value model

Alerus Financial Corporation's earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Alerus Financial Corporation has a price-to-book ratio of 1.45x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Alerus Financial Corporation has a price-to-sales ratio of 2.54x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue