Latest revenue
$38.0M
as of 2026-03-31
Latest net income
$23.0M
as of 2026-03-31
Net margin
60.5%
as of 2026-03-31
ActaClear Score
Computed from 5 years of SEC fundamentals + latest market data, ranked within National Commercial Banks (134 peers). 10 = best in industry, 5 = median, 0 = worst. Refreshed Jun 7, 2026.
Fair value · DCF
DCF: 10-year forecast of free cash flow, discounted at the company's WACC, with a Gordon-growth terminal at year 10. FCF is proxied by last fiscal-year net income (proper FCF needs CFO − CapEx by year, which we don't store yet). Drag the slider to test your own growth thesis — the dominant assumption in any DCF is what comes next, not what the math does with it. Beta defaults to 1.0 when not reported.
Historical multiples
How does ALRS's current valuation compare to its own past?
Year-end weekly close ÷ (net income ÷ shares outstanding today). Held shares constant at today's count, which understates the per-share earnings improvement from buybacks over the period. Best read as “is this stock expensive vs. its own history?” rather than a precise historical P/E.
Community sentiment
Where do you think ALRS is heading?
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $727.6M
- Enterprise value
- $858.0M
- P/E (trailing)
- 41.7×
- Forward P/E
- —
- P/B
- 1.27×
- Dividend yield
- 3.7%
- 52-wk high
- $29.33
- 52-wk low
- $20.26
- Beta
- —
- Shares out
- 25.1M
5-year trend
What this company does
Item 2 – Management’s Discussion and Analysis of Financial Condition and Results of Operations General The following discussion explains the Company’s financial condition and results of operations as of and for the three months ended March 31, 2026 and 2025. Annualized results for this interim period may not be indicative of results for the full year or future periods. The following discussion and analysis should be read in conjunction with the consolidated financial statements and related notes presented elsewhere in this report and the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on March 4, 2026. Forward-Looking Statements This Quarterly…
AI summary unavailable — showing raw filing excerpt
Generated from ALRS's filing dated 2026-05-01
Key risks
Item 1A – Risk Factors There have been no material changes to the risk factors disclosed in the Company’s Annual Report on Form 10-K filed with the SEC on March 4, 2026.
AI summary unavailable — showing raw filing excerpt
Generated from ALRS's filing dated 2026-05-01
Profitability
Net margin
5.3%
0.4%Return on equity
3.5%
26.9%Return on assets
0.3%
99.3%Leverage
Debt / equity
9.56×
1159.1%Long-term debt / equity
0.12×
25.3%Debt / assets
90.5%
109.8%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $38.0M | +13.8% | $23.0M | +72.5% | 60.5% |
Q4 2025 2025-12-31 | $236.2M | -5.5% | $-33.1M | -49232.8% | -14.0% |
Q3 2025 2025-09-30 | $29.9M | +3.6% | $16.9M | +225.0% | 56.6% |
Q2 2025 2025-06-30 | $32.1M | +15.8% | $20.3M | +226.2% | 63.1% |
Q1 2025 2025-03-31 | $33.3M | +11.5% | $13.3M | +107.0% | 39.9% |
Q4 2024 2024-12-31 | $250.0M | — | $-67.0K | — | -0.0% |
Q3 2024 2024-09-30 | $28.9M | -0.3% | $5.2M | -43.2% | 18.0% |
Q2 2024 2024-06-30 | $27.7M | +6.0% | $6.2M | -31.8% | 22.4% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
National Commercial Banks · SIC 6021
Your notes
Keep private notes on ALRS — thesis, target price, catalysts to watch.
Visible only to you. Never shared. Never used to train AI.
Insider activity
Insider buying
$49.8K
Insider selling
$0
Net activity
+$49.8K
Distinct insiders
1
Open-market trades over the last 365 days.
Recent transactions
| Date | Insider | Type | Shares | Price | Value | |
|---|---|---|---|---|---|---|
| 2025-07-31 | Alan Villalon EVP & Chief Financial Officer | Purchase | 2,350 | $21.21 | $49.8K |
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns ALRS
Institutional value
$206.1M
Total shares held
9.3M
Distinct holders
81
-59 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | ALERUS FINANCIAL NA | 2.2M | $53.2M | -47.5K (-2.1%) | Trimmed |
| 2 | BlackRock, Inc. | 1.8M | $41.7M | -40.7K (-2.3%) | Trimmed |
| 3 | VANGUARD CAPITAL MANAGEMENT LLC | 961.8K | $22.8M | — | New |
| 4 | DIMENSIONAL FUND ADVISORS LP | 886.8K | $21.0M | +56.8K (+6.8%) | Added |
| 5 | ENDEAVOUR CAPITAL ADVISORS INC | 562.2K | $13.3M | +45.7K (+8.8%) | Added |
| 6 | CHOREO, LLC | 293.7K | $7.0M | -890 (-0.3%) | Trimmed |
| 7 | Phocas Financial Corp. | 260.9K | $6.2M | -407.8K (-61.0%) | Trimmed |
| 8 | GRACE & WHITE INC /NY | 228.1K | $5.4M | -28.1K (-11.0%) | Trimmed |
| 9 | VANGUARD PORTFOLIO MANAGEMENT LLC | 175.9K | $4.2M | — | New |
| 10 | VANGUARD FIDUCIARY TRUST CO | 157.3K | $3.7M | — | New |
| 11 | Bank of New York Mellon Corp | 117.8K | $2.8M | -1.3K (-1.1%) | Trimmed |
| 12 | FEDERATED HERMES, INC. | 98.1K | $2.3M | +51.1K (+108.7%) | Added |
| 13 | FIRST TRUST ADVISORS LP | 81.2K | $1.9M | +503 (+0.6%) | Added |
| 14 | LOS ANGELES CAPITAL MANAGEMENT LLC | 75.6K | $1.8M | -27.7K (-26.8%) | Trimmed |
| 15 | Gator Capital Management, LLC | 68.0K | $1.6M | +2.5K (+3.9%) | Added |
| 16 | JPMORGAN CHASE & CO | 63.4K | $1.5M | -12.4K (-16.3%) | Trimmed |
| 17 | NEW YORK STATE COMMON RETIREMENT FUND | 52.2K | $1.2M | +0 (+0.0%) | No change |
| 18 | Wealth Forward, LLC | 50.3K | $1.2M | +0 (+0.0%) | No change |
| 19 | Nuveen, LLC | 39.4K | $934.1K | +194 (+0.5%) | Added |
| 20 | Mariner, LLC | 33.4K | $791.8K | +680 (+2.1%) | Added |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once ALRS's latest filing finishes processing.
Sign in to vote. Votes use 7-day half-life decay.
Sign in to tap. 7-day half-life decay.