NASDAQ$ALRS

Alerus Financial Corporation · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Reported a net income of $15.2 million for Q1 2021, an increase compared to the previous quarter and the same period last year.

Alerus Financial Corporation reported a record performance for Q1 2021, with net income reaching $15.2 million, or $0.86 per diluted common share. This is an increase from both the previous quarter ($10.2 million, $0.57 per share) and the first quarter of 2020 ($5.4 million, $0.30 per share). The company saw strong results in its fee income business lines, particularly in mortgage originations, and stable credit quality on the banking side.

  • Net income for Q1 2021 was $15.2 million, or $0.86 per diluted common share.
  • Mortgage originations exceeded $500 million for the quarter.
  • Retirement and benefits revenue increased over 8% during the quarter.
  • Wealth management revenue grew almost 4% during the quarter.

Headline financials

Total Revenue

$62.9M

Previous: $46M+36.7%
EPS (adj)

$0.86

Previous: $0.30+186.7%
Efficiency ratio

66.4%

Previous: 77.5%-14.3%
Dividend payout ratio

17.4%

No prior period
Tangible BV/share

$15.95

No prior period
Capital Expenditures

-$277K

Previous: -$689K+59.8%
Free Cash Flow

$14.9M

Previous: $4.67M+219.6%
Net Income

$15.2M

Previous: $5.36M+183.7%
Operating Income

$54.7M

Previous: $35.2M+55.1%
Gross Profit

$60.4M

Previous: $43.5M+38.8%
Cash & Equivalents

$190M

Previous: $198M-4.2%
Total Assets

$3.15B

Previous: $2.51B+25.5%
Stock-Based Comp

$498K

Previous: $235K+111.9%

Revenue & EPS history

Alerus · Revenue · Quarterly

$62.9M

Q1 2021+36.7%vs Q1 2020
Beat estimate in 8 of 10 quarters(80%)
ActualEstimate

Revenue by segment

Alerus · $40.8M total across 5 segments · Q1 2021

  • Retirement services
    $17.3M+6.4%
  • Mortgage banking
    $17.1M+239.6%
  • Wealth management
    $4.99M+23.2%
  • Other
    $1.06M-27.4%
  • Service charges
    $338K-20.1%

Forward guidance

No forward guidance was provided in the press release.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

+0.5%

Avg return

Earnings day

+1.2%

Avg return

5 days after

+3.5%

Avg return

30 days after

52%

28 / 54 earnings

Positive

+13.3%

Q1 2025

Best reaction

-14.6%

Q3 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.4%+5.2%+11.0%
Q4 2025+2.5%+7.5%+0.2%
Q3 2025+0.2%+0.4%+1.6%
Q1 2025+13.3%+16.2%+18.7%
Q4 2024+3.8%+5.6%+0.9%
Q3 2024-14.6%-15.8%-8.4%
Q2 2024-1.2%-0.3%+0.9%
Q1 2024-2.1%-4.5%-6.9%
Q4 2023+6.2%+10.8%+0.3%
Q3 2023+1.4%-1.7%+6.3%
Q2 2023+1.9%+2.9%-3.0%
Q1 2023+0.3%-2.6%+13.7%
Q4 2022-12.0%-12.8%-12.6%
Q3 2022-2.2%+0.0%+5.2%
Q2 2022+4.3%+10.1%+6.3%
Q1 2022+6.0%+0.4%+3.0%
Q4 2021+0.0%-0.1%+2.3%
Q3 2021+3.3%+3.4%-2.2%
Q2 2021+0.8%-1.1%+7.7%
Q1 2021-1.5%-0.0%+11.0%
Q4 2020-5.7%-6.2%+0.0%
Q3 2020+0.3%+0.1%+14.1%
Q2 2020+3.2%+0.1%+7.7%
Q1 2019+0.7%+7.6%+22.6%
Q1 2020+6.9%+3.0%+14.6%
Q1 2018-2.6%+5.0%+3.9%
Q4 2017-2.6%+5.0%+3.9%
Q2 2019-2.6%+5.0%+3.9%
Q2 2018-2.6%+5.0%+3.9%
Q4 2019+0.0%-2.1%-3.9%
Q3 2018-0.7%-0.5%+3.5%
Q4 2018-0.7%-0.5%+3.5%
Q3 2019+0.2%+0.3%+0.7%
Q3 2017+0.0%-0.1%+0.2%
Q2 2017+0.1%+0.9%+2.2%
Q1 2017+0.2%+0.1%+2.1%
Q4 2016+2.6%+0.3%+0.0%
Q3 2016+0.5%-0.1%-2.1%
Q2 2016+0.0%+0.0%+0.1%
Q1 2016+4.3%
Q4 2015-0.8%
Q3 2015-0.8%
Q2 2015+1.1%
Q1 2015+0.1%
Q4 2014+3.8%
Q3 2014-0.5%
Q2 2014+0.0%
Q1 2014+10.8%
Q4 2013-1.5%
Q3 2013+0.0%
Q2 2013+0.0%
Q1 2013+0.0%
Q4 2012+0.0%
Q3 2012+0.0%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro