Alerus Financial (FRA:5QD) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Alerus Financial LT-Debt-to-Total-Asset?

Alerus Financial FRA:5QD +0.75% 57 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates FRA:5QD with a GF Score™ of 57/100 and a GF Value™ of €18.26 (Significantly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Alerus Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Alerus Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that Alerus Financial is progressively becoming more dependent on debt to grow their business.

Alerus Financial (FRA:5QD) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Alerus Financial LT-Debt-to-Total-Asset Related Terms

Alerus Financial LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Alerus Financial's LT-Debt-to-Total-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.

Alerus Financial LT-Debt-to-Total-Asset Chart

Alerus Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.02

Alerus Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.01	0.02	0.02	0.02

57GF Score

Alerus Financial Corp FRA:5QD

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Alerus Financial LT-Debt-to-Total-Asset Calculation

Alerus Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	81.526	/	4466.492
	=	0.02

Alerus Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	88.058	/	4574.095
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Alerus Financial (FRA:5QD) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Alerus Financial and its competitors.

Is Alerus Financial's LT-Debt-to-Total-Asset too high?

Alerus Financial's current LT-Debt-to-Total-Asset is 0.02. Overall, Alerus Financial has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Alerus Financial's LT-Debt-to-Total-Asset compare to SHBI and FISI?

Alerus Financial's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Alerus Financial and its competitors. Alerus Financial's current LT-Debt-to-Total-Asset is 0.02. 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 €18.26, compared to a current price of €26.80 — trading 46.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Alerus Financial's overall GF Score™ is 57/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Alerus Financial (FRA:5QD), the current LT-Debt-to-Total-Asset is 0.02 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 €26.80 is trading 46.8% above its estimated GF Value™ of €18.26. GuruFocus considers Alerus Financial to be Significantly Overvalued.

Key valuation signals for FRA:5QD:

LT-Debt-to-Total-Asset: 0.02
GF Value™: €18.26 vs. price of €26.80 (46.8% above fair value)
GF Score™: 57/100 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

Industry Financial Services Banks

Comparable Companies SHBI FISI HBIA CARE IBCP ORRF CWBC SMBK HTB SPFI SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges ALRS:USA

Address 401 Demers Avenue, Grand Forks, ND, USA, 58201

Website https://www.alerus.com

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.

57GF Score

Get the complete analysis for FRA:5QD

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€26.80

Price

€18.26

GF Value

View FRA:5QD Analysis

See LT-Debt-to-Total-Asset data for all stocks →