Alerus Financial (FRA:5QD) Moat Score: 4/10 (As of Jul. 11, 2026)


FRA:5QD Alerus Financial Corp FRA:5QD
57 GF Score
Price €26.80
GF Value €18.26
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Alerus Financial Moat Score?

Alerus Financial FRA:5QD +0.75% 57 Moat Score is 4 as of Jul. 11, 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. Among 1,608 Banks companies, Alerus Financial ranks better than 86.19% on this metric.

Alerus Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Alerus Financial has Narrow Moat: Alerus Financial Corp has a discernible but modest moat due to its regional market presence and customer loyalty in financial services. It benefits from some economies of scale but lacks significant network effects or intellectual property to strengthen its moat further.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Alerus Financial might have Narrow Moat - Discernible but modest moat.

Alerus Financial  (FRA:5QD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Alerus Financial Moat Score Related Terms

FRA:5QD vs SHBI, FISI, HBIA: Moat Score Comparison

For the Banks - Regional subindustry, Alerus Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Alerus Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Alerus Financial's Moat Score falls into.


FRA:5QD
57GF Score
Alerus Financial Corp FRA:5QD
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Alerus Financial (FRA:5QD) has a Moat Score of 4 as of Jul. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Alerus Financial ranks #222 out of 1608 companies in the Banks industry, placing it in the top 13.8%.
Is Alerus Financial's Moat Score too high?
Alerus Financial's current Moat Score is 4. Based on the distribution chart, Alerus Financial ranks #222 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to SHBI and FISI?
According to the Banks industry distribution chart, Alerus Financial ranks #222 out of 1608 companies for Moat Score. This places Alerus Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Alerus Financial's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Alerus Financial (FRA:5QD), the current Moat Score is 4 as of Jul. 11, 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:

  • Moat Score: 4
  • 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

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.
57GF Score

Get the complete analysis for FRA:5QD

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

€26.80
Price
€18.26
GF Value