Alerus Financial Corporation Financial Ratios — 5QD Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	10.49	14.23	15.77	13.52	9.56	7.97	8.61	13.74	12.24	14.51	15.28	11.17	3.22	4.11	3.29
Return on Assets (%)	0.94	1.31	1.5	1.45	1.06	0.74	0.72	1.2	1.3	1.66	1.64	1.12	0.3	0.39	0.33
Return on Capital (%)	7.69	10.42	11.99	11.3	7.67	5.83	6.05	9.87	9.7	11.91	12.86	6.55	1.51	2.28	1.96
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	16.63	20.19	26.51	24.3	17.4	12.79	19.3	18.79	20.92	25.72	30	25	9.54	10.35	10.24
Profit Margin (%)	11	12.76	16.82	16.95	12.51	8.48	8.9	14.71	15.89	19.64	22.88	19.17	7.04	7.95	7.9
Net Income to Common Margin (%)	11	12.76	16.65	16.79	12.37	8.46	8.9	14.71	15.89	19.64	22.88	19.17	7.04	7.95	7.9
Effective Tax Rate (%)	33.84	36.78	36.57	30.23	28.09	33.72	53.86	21.71	24.05	23.66	23.74	23.34	26.23	23.23	22.81
Dvd Payout Ratio (%)	- -	- -	23.36	25.92	34.65	43.99	44.86	28.83	30.16	23.25	20.41	32	126.73	86.87	119.4
Sustainable Growth Rate (%)	10.49	14.23	12.08	10.01	6.24	4.46	4.75	9.78	8.55	11.13	12.16	7.6	-0.86	0.54	-0.64

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	22	22	22	21	71	59	89	59	68	67	63	443	379	317	404
ST Debt	- -	- -	- -	- -	- -	- -	30	- -	- -	- -	- -	378	314	239	309
LT Debt	22	22	22	21	71	59	59	59	68	67	63	65	65	78	95
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.27	9.17	9.65	11.5	10.48	8.23	8.41	9.04	12.12	10.96	10.59	9.44	9.45	9.42	10.8
Long-Term Debt/Equity (%)	17.19	15.4	14.11	12.56	38.7	34.84	32.75	29.87	23.67	20.17	17.59	18.14	17.53	15.76	16.9
Long-Term Debt/Capital (%)	14.67	13.34	12.36	11.16	27.9	25.84	21.91	23	19.14	16.79	14.96	8.1	8.65	9.61	9.85
Long-Term Debt/Total Assets (%)	1.89	1.64	1.57	1.44	4.05	2.87	2.75	2.7	2.87	2.21	1.86	1.71	1.66	1.48	1.83
Total Debt/Equity (%)	17.19	15.4	14.11	12.56	38.7	34.84	49.46	29.87	23.67	20.17	17.59	124.09	102.64	63.99	71.56
Total Debt/Capital (%)	14.67	13.34	12.36	11.16	27.9	25.84	33.09	23	19.14	16.79	14.96	55.37	50.65	39.02	41.71
Total Debt/Total Assets (%)	1.89	1.64	1.57	1.44	4.05	2.87	4.16	2.7	2.87	2.21	1.86	11.72	9.7	6.03	7.73
Net Debt to Equity	-29.09	-72.14	-33.21	-14.05	-107.64	-88.73	-19.05	8.79	-30.06	-34.73	-51.08	106.11	65.89	47.8	53.24
Net Debt/Capital (%)	-41.03	-258.97	-49.72	-16.34	1,562.52	-740.27	-23.37	8.04	-41.02	-51.23	-101.82	51.07	39.35	31.52	33.35
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.27	9.17	9.65	11.5	10.48	8.23	8.41	9.04	12.12	10.96	10.59	9.44	9.45	9.42	10.8
Long-Term Debt/Equity (%)	17.19	15.4	14.11	12.56	38.7	34.84	32.75	29.87	23.67	20.17	17.59	18.14	17.53	15.76	16.9
Long-Term Debt/Capital (%)	14.67	13.34	12.36	11.16	27.9	25.84	21.91	23	19.14	16.79	14.96	8.1	8.65	9.61	9.85
Long-Term Debt/Total Assets (%)	1.89	1.64	1.57	1.44	4.05	2.87	2.75	2.7	2.87	2.21	1.86	1.71	1.66	1.48	1.83
Total Debt/Equity (%)	17.19	15.4	14.11	12.56	38.7	34.84	49.46	29.87	23.67	20.17	17.59	124.09	102.64	63.99	71.56
Total Debt/Capital (%)	14.67	13.34	12.36	11.16	27.9	25.84	33.09	23	19.14	16.79	14.96	55.37	50.65	39.02	41.71
Total Debt/Total Assets (%)	1.89	1.64	1.57	1.44	4.05	2.87	4.16	2.7	2.87	2.21	1.86	11.72	9.7	6.03	7.73
CFO/Total Liabilities	- -	- -	4.71	1.62	1.56	1.81	2.45	2.7	0.93	-0.83	4.94	3.01	0.76	0.46	1.45
CFO/CapEx	- -	- -	15.16	10.17	6.24	20.18	16.26	14.27	6.63	-5.84	87.83	57.56	8.73	1.76	7.76
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	- -	- -	28.47	30.81	26.46	24.31	24.47	26.43	25.3	19.5	11.64	12.51	10.56
Days Sales Outstanding	- -	- -	- -	- -	12.82	11.85	13.8	15.01	14.92	13.81	14.43	18.72	31.37	29.18	34.58
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	464	503	458	434	422	546
- Cash & Cash Equivalents	59	124	73	46	266	207	122	41	144	173	242	58	130	61	67
+ Preferred Equity and Hybrid Capital	20	20	20	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	22	22	22	21	71	59	89	59	68	67	63	443	379	317	404
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-235	-530	125	196	90	407
Total Capital	149	163	175	193	254	228	268	256	353	397	423	800	748	812	969
Total Debt/Capital (%)	14.67	13.34	12.36	11.16	27.9	25.84	33.09	23	19.14	16.79	14.96	55.37	50.65	39.02	41.71
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.28	-0.12	3.53	1.94	3.53	0.99
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.6	1.18	0.4	1.84
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.22	7.3	4.13	6.02
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.24	8.24	9.59	6.91
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	472	511	433	442	355	553
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-227	-522	100	205	23	413
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.27	9.92	3.55	16
TTM Sales	97	127	121	123	137	166	168	176	186	228	230	209	166	224	221
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	58	21	24	34	48	54	19	-22	150	103	27	22	68
TTM Free Cash Flow to Firm	- -	- -	54	19	20	32	45	50	16	-26	148	101	24	9	59

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	-18.11	3.45	4.28	18.63	37.88	9.39
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-235	-530	125	196	90	407
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	17.56	24.61	20.97	13.23	16.66	14.35
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.6	1.18	0.4	1.84
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.36	9.54	10.68	37.42	19.72	31.29
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.65	9.66	11.57	30.95	24.53	28.36
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.25	11.95	13.87	39.56	28.69	34.89
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.72	8.03	9.77	22.53	19.72	20.88
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.4	1.4	1.28	1.17	0.85	0.97
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.17	1.42	1.39	0.97	1.06	0.88
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.52	1.75	1.67	1.24	1.24	1.08
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.91	1.18	1.17	0.71	0.85	0.65
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.7	1.65	1.61	1.43	1.18	1.24
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.42	1.67	1.74	1.18	1.47	1.13
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.85	2.06	2.09	1.51	1.72	1.39
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.11	1.39	1.47	0.86	1.18	0.83
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.04	2.18	2.05	2.63	1.57	2.47
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.7	2.21	2.22	2.18	1.95	2.24
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.21	2.73	2.66	2.78	2.28	2.76
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.32	1.84	1.87	1.59	1.57	1.65
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	-20.81	3.35	4.15	16.32	16.12	8.08
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-17.37	3.4	4.49	13.5	20.06	7.32
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-22.6	4.2	5.39	17.25	23.46	9.01
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-13.5	2.82	3.8	9.82	16.12	5.39
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-15.11	3.5	4.63	15.42	47.13	8.51
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-19.67	4.32	5.56	19.7	55.12	10.47
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-11.75	2.9	3.91	11.22	37.88	6.27
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.78	0.73	0.86	1.61
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.26	1.33	1.26	2.13
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.41	0.14	0.4	1.02
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.07	29.23	22.91	21.97	16.66	21.5
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	29.39	36.62	29.77	23.23	24.24	23.97
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-312	-523	164	121	193	355
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-195	-402	262	221	282	469
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-398	-609	87	23	90	225

Shares Outstanding	13	14	14	14	13	14	14	14	17	17	17	20	20	25	25
Diluted Weighted Avg Shares	13	14	14	14	14	14	14	14	15	17	17	19	20	21	26
Basic Weighted Avg Shares	13	14	13	14	13	13	14	14	15	17	17	19	20	21	25
Revenue per Share	7.31	9.37	9.13	8.8	10.19	12.27	12.34	12.77	12.61	13.3	13.39	11.2	8.34	10.63	8.7
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.8	1.2	1.52	1.48	1.26	1.04	1.1	1.88	2	2.61	3.06	2.15	0.59	0.84	0.69
Basic EPS from Cont Ops	0.8	1.2	1.53	1.49	1.28	1.04	1.1	1.88	2	2.61	3.06	2.15	0.59	0.84	0.69
Diluted EPS, GAAP	0.8	1.2	1.46	1.48	1.21	1	1.07	1.84	1.96	2.56	3.01	2.12	0.58	0.83	0.68
Diluted EPS from Cont Ops	0.8	1.2	1.47	1.49	1.23	1	1.07	1.84	1.96	2.56	3.01	2.12	0.58	0.83	0.68
Dividend per Share	- -	- -	0.37	0.4	0.45	0.46	0.49	0.54	0.6	0.61	0.63	0.69	0.74	0.73	0.82
Cash Flow per Share	- -	- -	4.38	1.54	1.82	2.52	3.51	3.89	1.31	-1.3	8.72	5.52	1.35	1.03	2.66
Free Cash Flow per Basic Share	- -	- -	4.09	1.38	1.52	2.39	3.29	3.62	1.11	-1.52	8.62	5.43	1.19	0.45	2.32
Cash & Equivalents per Share	4.42	9.08	5.25	17.93	33.99	35.78	28.4	21.11	26.65	44.69	63.67	38.79	31.25	25.62	21.41
Book Value per Share	8.05	8.9	9.65	12.29	13.61	12.47	13.11	14.3	16.76	19.28	20.88	17.85	18.71	19.55	22.24
Tangible Book Value per Share	8.05	8.9	9.65	10.44	11.71	7.68	8.79	10.35	13.85	15.89	17.77	14.24	15.36	14.12	17.3

Alerus Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)