Alerus Financial (FRA:5QD) Long-Term Debt: €51.2 Mil (As of Mar. 2026)

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FRA:5QD Alerus Financial Corp FRA:5QD
58 GF Score
Price €28.00
GF Value €18.84
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Alerus Financial Long-Term Debt?

Alerus Financial FRA:5QD +4.48% 58 Long-Term Debt is €51.2 Mil as of Mar. 2026. GuruFocus rates FRA:5QD with a GF Score™ of 58/100 and a GF Value™ of €18.84 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Alerus Financial's Long-Term Debt for the quarter that ended in Mar. 2026 was €51.2 Mil.

Alerus Financial's quarterly Long-Term Debt increased from Sep. 2025 (€50.4 Mil) to Dec. 2025 (€50.5 Mil) and increased from Dec. 2025 (€50.5 Mil) to Mar. 2026 (€51.2 Mil).

Alerus Financial's annual Long-Term Debt increased from Dec. 2023 (€54.1 Mil) to Dec. 2024 (€56.4 Mil) but then declined from Dec. 2024 (€56.4 Mil) to Dec. 2025 (€50.5 Mil).

Alerus Financial  (FRA:5QD) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Alerus Financial Long-Term Debt Related Terms

Alerus Financial Long-Term Debt Historical Data

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The historical data trend for Alerus Financial's Long-Term Debt 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.

Alerus Financial Long-Term Debt Chart

Alerus Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 51.98 55.55 54.06 56.41 50.54

Alerus Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 54.67 51.26 50.40 50.54 51.22
FRA:5QD
58GF Score
Alerus Financial Corp FRA:5QD
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of €51.2 Mil mean?
Alerus Financial (FRA:5QD) has a Long-Term Debt of €51.2 Mil as of Mar. 2026.
Is Alerus Financial's Long-Term Debt too high?
Alerus Financial's current Long-Term Debt is €51.2 Mil. Overall, Alerus Financial has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alerus Financial's Long-Term Debt compare to SHBI and FISI?
Alerus Financial's Long-Term Debt of €51.2 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Alerus Financial's current Long-Term Debt is €51.2 Mil. 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 (FRA:5QD) is currently considered Significantly Overvalued. The stock's GF Value™ is €18.84, compared to a current price of €28.00 — trading 48.6% above its estimated fair value. The current Long-Term Debt is €51.2 Mil. Alerus Financial's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Alerus Financial (FRA:5QD), the current Long-Term Debt is €51.2 Mil as of Mar. 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 (FRA:5QD) Overvalued in 2026?

Based on GuruFocus' analysis, Alerus Financial stock appears to be overvalued. The current stock price of €28.00 is trading 48.6% above its estimated GF Value™ of €18.84. GuruFocus considers Alerus Financial to be Significantly Overvalued.

Key valuation signals for FRA:5QD:

  • Long-Term Debt: €51.2 Mil
  • GF Value™: €18.84 vs. price of €28.00 (48.6% above fair value)
  • GF Score™: 58/100 with 7 warning signs

No single metric tells the full story. See the FRA:5QD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Alerus Financial Business Description

Other Exchanges ALRS:USA
Address 401 Demers Avenue, Grand Forks, ND, USA, 58201
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.
58GF Score

Get the complete analysis for FRA:5QD

Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€28.00
Price
€18.84
GF Value