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Alerus FinancialALRS +0.03%53 Equity-to-Asset is 0.11 as of Jun. 2026, which is 22% above its 10-year median of 0.09. GuruFocus rates ALRS with a GF Score™ of 53/100 and a GF Value™ of $22.99 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,522 Banks companies, Alerus Financial ranks better than 63.86% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Alerus Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $583.1 Mil. Alerus Financial's Total Assets for the quarter that ended in Jun. 2026 was $5,288.7 Mil.
Therefore, Alerus Financial's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.11.
The historical rank and industry rank for Alerus Financial's Equity-to-Asset or its related term are showing as below:
ALRS'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.09 Max: 0.13
Current: 0.11
During the past 13 years, the highest Equity to Asset Ratio of Alerus Financial was 0.13. The lowest was 0.08. And the median was 0.09.
ALRS's Equity-to-Asset is ranked better than 63.86% of 1522
companies
in the Banks industry
Industry Median: 0.1
vs ALRS: 0.11
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Alerus Financial Equity-to-Asset Related Terms
Alerus Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Alerus Financial's Equity-to-Asset 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.
ALRS vs PGC, HTB, ORRF: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Alerus Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Alerus Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Alerus Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Alerus Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.11 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Alerus Financial and its competitors. This is 22% above median its historical median of 0.09. Over the past decade, Alerus Financial's Equity-to-Asset has ranged from 0.08 to 0.13. According to the industry distribution chart, Alerus Financial ranks #550 out of 1522 companies in the Banks industry, placing it in the top 36.1%.
Is Alerus Financial's Equity-to-Asset too high?
Alerus Financial's current Equity-to-Asset of 0.11 is 22% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Alerus Financial's value of 0.11 is 10% above this industry median. Based on the distribution chart, Alerus Financial ranks #550 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Alerus Financial has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alerus Financial's Equity-to-Asset compare to PGC and HTB?
According to the Banks industry distribution chart, Alerus Financial ranks #550 out of 1522 companies for Equity-to-Asset. This puts Alerus Financial in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Alerus Financial's value of 0.11 is 10% above this benchmark. Historically, Alerus Financial's own Equity-to-Asset has ranged from 0.08 to 0.13 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alerus Financial's current Equity-to-Asset of 0.11 is 10% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Alerus Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alerus Financial's current Equity-to-Asset is 0.11, which is 22% above median its own 10-year median of 0.09. 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 $22.99, compared to a current price of $33.24 — trading 44.6% above its estimated fair value. The current Equity-to-Asset is 0.11, which is 22% above median its 10-year median of 0.09 and 10% above the Banks industry median of 0.10. Alerus Financial's overall GF Score™ is 53/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Alerus Financial (ALRS), the current Equity-to-Asset is 0.11 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 $33.24 is trading 44.6% above its estimated GF Value™ of $22.99.
GuruFocus considers Alerus Financial to be Significantly Overvalued.
Key valuation signals for ALRS:
Equity-to-Asset: 0.11 (22% above median its 10-year median of 0.09)
GF Value™: $22.99 vs. price of $33.24 (44.6% above fair value)
Industry Position: 10% above the Banks median (#550 of 1522)
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.
53GF Score
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