NASDAQ$ALRS

Alerus Financial Corporation · Q2 2020 earnings

Q2 2020 earnings · · Investor relations

Briefing

Alerus Financial Corporation reported record net income and mortgage originations

Alerus Financial Corporation reported a record quarterly net income of $11.5 million for the second quarter of 2020, driven by a diversified business model and record mortgage originations.

  • Record quarterly net income of $11.5 million was reported.
  • Record quarterly mortgage originations of $431.6 million were achieved.
  • Deposits increased by over $481.8 million in the first half of 2020.
  • 1,580 Paycheck Protection Program loans totaling approximately $362.7 million were funded.

Headline financials

Total Revenue

$58.3M

Previous: $48.3M+20.8%
EPS (adj)

$0.65

Previous: $0.60+8.3%
ROAA

1.7%

No prior period
Capital Expenditures

-$2M

Previous: $568K-451.8%
Free Cash Flow

$9.48M

Previous: -$11.6M+181.9%
Net Income

$11.5M

Previous: $8.35M+37.4%
Operating Income

$44M

No prior period
Gross Profit

$54.8M

No prior period
Cash & Equivalents

$210M

Previous: $44.9M+368.5%
Total Assets

$2.88B

No prior period
Stock-Based Comp

$624K

Previous: $649K-3.9%

Revenue & EPS history

Alerus · Revenue · Quarterly

$58.3M

Q2 2020+20.8%vs Q2 2019
Beat estimate in 5 of 7 quarters(71%)
ActualEstimate

Revenue by segment

Alerus · $35.4M total across 3 segments · Q2 2020

  • Mortgage banking
    $17.5M
  • Retirement services
    $13.7M
  • Wealth management
    $4.11M

Forward guidance

Alerus Financial Corporation remains committed to operating from a position of strength, to support clients and communities.

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 Q2 2020

Historical avgQ2 2020

+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%

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