Alerus Financial Corporation (ALRS)
Banks - Regional · Financial Services · $749M
Intrinsic Value (Consensus)
$26.05
Current Price
$29.70
Margin of Safety
-12.3%
12.3% Above Intrinsic Value
Value: $26
Price: $30
Valuation Model Estimates
Current Price: $29.70
DCF (Discounted Cash Flow)
$22.25
Graham Number
$22.89
Earnings Power Value
$12.36
Relative Value (P/E)
$20.78
Dividend Discount Model
$51.98
Consensus Value
$26.05
Model Assumptions
Discount Rate
10.3%
Growth Rate
8.1%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
56
Profitability
12/25
Strength
25/25
Valuation
12/25
Growth
7/25
Financial Health Signals
Low debt — conservative balance sheet
Key Financials
- EPS (TTM)
- $1.04
- EPS (Forward)
- $1.12
- Book Value
- $22.41
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 3.1%
- Debt/Equity
- 10%
- Revenue Growth
- N/A
- Earnings Growth
- 8.1%
- Dividend Yield
- 1.5%
- Beta
- 0.68
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Data last updated: 2026-06-21
Source: Yahoo Finance