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Alerus FinancialALRS -0.52%54 Debt-to-Equity is 0.77 as of Jun. 2026, which is 51% above its 10-year median of 0.51. GuruFocus rates ALRS with a GF Score™ of 54/100 and a GF Value™ of $22.08 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,422 Banks companies, Alerus Financial ranks worse than 59.28% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Alerus Financial's Debt-to-Equity or its related term are showing as below:
ALRS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.18 Med: 0.51 Max: 1.67
Current: 0.77
During the past 13 years, the highest Debt-to-Equity Ratio of Alerus Financial was 1.67. The lowest was 0.18. And the median was 0.51.
ALRS's Debt-to-Equity is ranked worse than 59.28% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs ALRS: 0.77
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Alerus Financial Debt-to-Equity Related Terms
Alerus Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Alerus Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Alerus Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Alerus Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Alerus Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Alerus Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Alerus Financial (ALRS) has a Debt-to-Equity of 0.77 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Alerus Financial and its competitors. This is 51% above median its historical median of 0.51. Over the past decade, Alerus Financial's Debt-to-Equity has ranged from 0.18 to 1.67. According to the industry distribution chart, Alerus Financial ranks #843 out of 1422 companies in the Banks industry, placing it in the top 59.3%.
Is Alerus Financial's Debt-to-Equity too high?
Alerus Financial's current Debt-to-Equity of 0.77 is 51% above median its 10-year median of 0.51. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 1.67. The Banks industry median Debt-to-Equity is 0.58. Alerus Financial's value of 0.77 is 32.8% above this industry median. Based on the distribution chart, Alerus Financial ranks #843 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Alerus Financial has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alerus Financial's Debt-to-Equity compare to PGC and HTB?
According to the Banks industry distribution chart, Alerus Financial ranks #843 out of 1422 companies for Debt-to-Equity. This places Alerus Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Alerus Financial's value of 0.77 is 32.8% above this benchmark. Historically, Alerus Financial's own Debt-to-Equity has ranged from 0.18 to 1.67 over the past decade. While the company's 10-year median is 0.51 vs. the industry median of 0.58, Alerus Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alerus Financial's current Debt-to-Equity of 0.77 is 32.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Alerus Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alerus Financial's current Debt-to-Equity is 0.77, which is 51% above median its own 10-year median of 0.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alerus Financial stock overvalued right now?
Based on GuruFocus' analysis, Alerus Financial (ALRS) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.08, compared to a current price of $33.59 — trading 52.1% above its estimated fair value. The current Debt-to-Equity is 0.77, which is 51% above median its 10-year median of 0.51 and 32.8% above the Banks industry median of 0.58. Alerus Financial's overall GF Score™ is 54/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Alerus Financial (ALRS), the current Debt-to-Equity is 0.77 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Alerus Financial (ALRS) Overvalued in 2026?
Based on GuruFocus' analysis, Alerus Financial stock appears to be overvalued.
The current stock price of $33.59 is trading 52.1% above its estimated GF Value™ of $22.08.
GuruFocus considers Alerus Financial to be Significantly Overvalued.
Key valuation signals for ALRS:
Debt-to-Equity: 0.77 (51% above median its 10-year median of 0.51)
GF Value™: $22.08 vs. price of $33.59 (52.1% above fair value)
Industry Position: 32.8% above the Banks median (#843 of 1422)
No single metric tells the full story. See the ALRS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 others. The company 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 and wealth management services, including retirement plans, and fiduciary services. The company's revenue mainly consists of interest income, commission, management fees, and other income.
54GF Score
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