Alerus FinancialFRA:5QD -2.92%58 OCF Margin % is 37.06% as of Mar. 2026, which is 51% above its 10-year median of 24.48. GuruFocus rates FRA:5QD with a GF Score™ of 58/100 and a GF Value™ of €18.10 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, Alerus Financial ranks better than 64.32% on this metric.
The historical rank and industry rank for Alerus Financial's OCF Margin % or its related term are showing as below:
FRA:5QD'
s OCF Margin % Range Over the Past 10 Years
Min: -9.78 Med: 24.48 Max: 65.08
Current: 38.39
During the past 13 years, the highest OCF Margin % of Alerus Financial was 65.08%. The lowest was -9.78%. And the median was 24.48%.
FRA:5QD's OCF Margin % is ranked better than 64.32% of 1505
companies
in the Banks industry
Industry Median: 29.44
vs FRA:5QD: 38.39
Alerus Financial OCF Margin % Related Terms
Alerus Financial OCF Margin % Historical Data
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The historical data trend for Alerus Financial's OCF Margin % 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.
FRA:5QD vs FISI, SMBK, IBCP: OCF Margin % Comparison
For the Banks - Regional subindustry, Alerus Financial's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Alerus Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Alerus Financial's OCF Margin % falls into.
* 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 (FRA:5QD) has a OCF Margin % of 37.06% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Alerus Financial and its competitors. This is 51% above median its historical median of 24.48. According to the industry distribution chart, Alerus Financial ranks #537 out of 1505 companies in the Banks industry, placing it in the top 35.7%.
Is Alerus Financial's OCF Margin % too high?
Alerus Financial's current OCF Margin % of 37.06% is 51% above median its 10-year median of 24.48. The Banks industry median OCF Margin % is 29.44. Alerus Financial's value of 37.06% is 25.9% above this industry median. Based on the distribution chart, Alerus Financial ranks #537 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 OCF Margin % compare to FISI and SMBK?
According to the Banks industry distribution chart, Alerus Financial ranks #537 out of 1505 companies for OCF Margin %. This puts Alerus Financial in the upper half of its industry. The industry median OCF Margin % is 29.44. Alerus Financial's value of 37.06% is 25.9% above this benchmark. While the company's 10-year median is 24.48 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alerus Financial's current OCF Margin % of 37.06% is 25.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Alerus Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alerus Financial's current OCF Margin % is 37.06%, which is 51% above median its own 10-year median of 24.48. 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 €18.10, compared to a current price of €26.60 — trading 47% above its estimated fair value. The current OCF Margin % is 37.06%, which is 51% above median its 10-year median of 24.48 and 25.9% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Alerus Financial (FRA:5QD), the current OCF Margin % is 37.06% 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 €26.60 is trading 47% above its estimated GF Value™ of €18.10.
GuruFocus considers Alerus Financial to be Significantly Overvalued.
Key valuation signals for FRA:5QD:
OCF Margin %: 37.06% (51% above median its 10-year median of 24.48)
GF Value™: €18.10 vs. price of €26.60 (47% above fair value)
Industry Position: 25.9% above the Banks median (#537 of 1505)
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 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
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