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Alerus FinancialALRS +2.05%54 EV-to-FCF is 12.48 as of Jul. 16, 2026, which is 59% above its 10-year median of 7.85. GuruFocus rates ALRS with a GF Score™ of 54/100 and a GF Value™ of $21.46 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,193 Banks companies, Alerus Financial ranks worse than 68.99% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Alerus Financial's Enterprise Value is $985.1 Mil.
Alerus Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $79.0 Mil. Therefore, Alerus Financial's EV-to-FCF for today is 12.48.
The historical rank and industry rank for Alerus Financial's EV-to-FCF or its related term are showing as below:
ALRS'
s EV-to-FCF Range Over the Past 10 Years
Min: -664.91 Med: 7.85 Max: 180.46
Current: 12.48
During the past 13 years, the highest EV-to-FCF of Alerus Financial was 180.46. The lowest was -664.91. And the median was 7.85.
ALRS's EV-to-FCF is ranked worse than 68.99% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs ALRS: 12.48
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Alerus Financial's PE Ratio (TTM) for today is calculated as:
Alerus Financial's share price for today is $32.32.
Alerus Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.040.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Alerus Financial EV-to-FCF Related Terms
Alerus Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Alerus Financial's EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Alerus Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Alerus Financial's EV-to-FCF falls into.
Alerus Financial's current Enterprise Value is $985.1 Mil.
Alerus Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $79.0 Mil.
* 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 EV-to-FCF of 12.48 as of Jul. 16, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Alerus Financial and its competitors. This is 59% above median its historical median of 7.85. According to the industry distribution chart, Alerus Financial ranks #823 out of 1193 companies in the Banks industry, placing it in the top 69%.
Is Alerus Financial's EV-to-FCF too high?
Alerus Financial's current EV-to-FCF of 12.48 is 59% above median its 10-year median of 7.85. The Banks industry median EV-to-FCF is 6.65. Alerus Financial's value of 12.48 is 87.7% above this industry median. Based on the distribution chart, Alerus Financial ranks #823 out of 1193 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 EV-to-FCF compare to SHBI and FISI?
According to the Banks industry distribution chart, Alerus Financial ranks #823 out of 1193 companies for EV-to-FCF. This places Alerus Financial in the lower half of its industry. The industry median EV-to-FCF is 6.65. Alerus Financial's value of 12.48 is 87.7% above this benchmark. While the company's 10-year median is 7.85 vs. the industry median of 6.65, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.65, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alerus Financial's current EV-to-FCF of 12.48 is 87.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Alerus Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alerus Financial's current EV-to-FCF is 12.48, which is 59% above median its own 10-year median of 7.85. 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 $21.46, compared to a current price of $32.32 — trading 50.6% above its estimated fair value. The current EV-to-FCF is 12.48, which is 59% above median its 10-year median of 7.85 and 87.7% above the Banks industry median of 6.65. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Alerus Financial (ALRS), the current EV-to-FCF is 12.48 as of Jul. 16, 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 $32.32 is trading 50.6% above its estimated GF Value™ of $21.46.
GuruFocus considers Alerus Financial to be Significantly Overvalued.
Key valuation signals for ALRS:
EV-to-FCF: 12.48 (59% above median its 10-year median of 7.85)
GF Value™: $21.46 vs. price of $32.32 (50.6% above fair value)
Industry Position: 87.7% above the Banks median (#823 of 1193)
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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