NASDAQ$ALRS

Alerus Financial Corporation · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Alerus Financial Corporation's financial performance improved during the second quarter of 2023, with strategic talent acquisitions and infrastructure optimization.

Alerus Financial Corporation reported a net income of $9.1 million for the second quarter of 2023, or $0.45 per diluted common share. The company's diversified business model shined with fee income representing 53.7% of total revenues. Noninterest expenses declined 4% from the prior quarter due to prudent expense management.

  • Return on average tangible common equity of 13.71%, compared to 12.58% for the first quarter of 2023
  • Return on average common equity of 10.14%, compared to 9.17% for the first quarter of 2023
  • Return on average total assets of 0.96%, compared to 0.88% for the first quarter of 2023
  • Noninterest expense was $36.4 million, compared to $37.9 million for the first quarter of 2023

Headline financials

Total Revenue

$48M

Previous: $52M-7.7%
EPS (adj)

$0.45

Previous: $0.52-13.5%
Efficiency ratio

72.8%

Previous: 74.7%-2.6%
CET1 ratio

13.3%

Previous: 14.2%-6.3%
Capital Expenditures

-$1.09M

Previous: -$471K-131.0%
Free Cash Flow

$8.02M

Previous: $8.82M-9.1%
Net Income

$9.1M

Previous: $9.29M-2.0%
Operating Income

$23.6M

Previous: $42.7M-44.8%
Gross Profit

$47.5M

Previous: $52M-8.7%
Cash & Equivalents

$65.5M

Previous: $37M+76.7%
Total Assets

$3.83B

Previous: $3.3B+16.3%
Stock-Based Comp

$656K

Previous: $663K-1.1%

Revenue & EPS history

Alerus · Revenue · Quarterly

$48M

Q2 2023-7.7%vs Q2 2022
Beat estimate in 7 of 15 quarters(47%)
ActualEstimate

Revenue by segment

Alerus · $25.8M total across 5 segments · Q2 2023

  • Retirement services
    $15.9M-2.5%
  • Wealth management
    $5.45M-1.8%
  • Mortgage banking
    $2.91M-51.9%
  • Other
    $1.22M+30.7%
  • Service charges
    $311K-24.5%

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 2023

Historical avgQ2 2023

+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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