Alerus Financial Q4 adjusted EPS beats analyst expectations

Alerus Financial

28/01/2026 21:40

Overview

U.S. commercial wealth bank's Q4 adjusted EPS beat analyst expectations

Company reported Q4 net loss due to strategic balance sheet repositioning

Company increased tangible common equity to tangible assets ratio to 8.72%

Outlook

Alerus Financial expects higher profitability in 2026 from strategic balance sheet repositionin

Result Drivers

BALANCE SHEET REPOSITIONING - Alerus sold $360.1 mln of securities, incurring a $68.4 mln loss, to reinvest in higher-yielding assets

LOAN PORTFOLIO STRATEGY - Co reduced CRE concentrations and grew C&I loans, enhancing capital and risk profile

FEE-BASED REVENUE GROWTH - Adjusted noninterest income rose 7% due to growth in retirement and wealth segments

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Adjusted EPS
Beat
$0.85
$0.17 (5 Analysts)
Q4 EPS
-$1.27
Q4 Net Income
Miss
-$33.10 mln
$14.60 mln (5 Analysts)
Q4 Net Interest Income
$45.20 mln
Q4 Net Interest Margin
3.69%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 2 "strong buy" or "buy", 3 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Alerus Financial Corp is $25.00, about 4.3% above its January 27 closing price of $23.97

The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 9 three months ago

Press Release: ID:nGNX97tZJT

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)