NASDAQ$ALRS

Alerus Financial Corporation · Q4 2021 earnings

Q4 2021 earnings · · Investor relations

Briefing

Alerus Financial Corporation reported strong Q4 2021 earnings, driven by its diversified business model and strategic focus.

Alerus Financial Corporation reported a net income of $12.7 million for Q4 2021, or $0.72 per diluted common share. The company's performance was supported by its business model, strategy, and culture, with team members executing at exceptional levels. The overall quality of the credit portfolio remained strong, leading to a $1.5 million reversal of provision expense.

  • Alerus reported Q4 2021 net income of $12.7 million, or $0.72 per diluted common share.
  • The company achieved record annual net income of $52.7 million.
  • Alerus' credit portfolio remained strong, leading to a $1.5 million reversal of provision expense.
  • The company announced the proposed acquisition of MPB BHC, Inc. and it’s wholly-owned banking subsidiary, Metro Phoenix Bank.

Headline financials

Total Revenue

$56.5M

Previous: $61.8M-8.6%
EPS (adj)

$0.72

Previous: $0.57+26.3%
Efficiency ratio

71.1%

Previous: 74.4%-4.5%
Capital Expenditures

$861K

Previous: $1.05M-18.0%
Free Cash Flow

$30.5M

Previous: -$3.47M+979.6%
Net Income

$12.7M

Previous: $10.2M+24.8%
Operating Income

$16.7M

Previous: $13.3M+25.6%
Cash & Equivalents

$242M

Previous: $173M+40.1%
Total Assets

$3.39B

Previous: $3.01B+12.6%
Stock-Based Comp

$1.29M

Previous: $593K+117.7%

Revenue & EPS history

Alerus · Revenue · Quarterly

$56.5M

Q4 2021-8.6%vs Q4 2020
Beat estimate in 8 of 13 quarters(62%)
ActualEstimate

Revenue by segment

Alerus · $33.7M total across 5 segments · Q4 2021

  • Retirement services
    $18.6M+16.5%
  • Mortgage banking
    $7.97M-52.5%
  • Wealth management
    $5.63M+17.2%
  • Other
    $1.2M+42.9%
  • Service charges
    $370K+10.8%

Forward guidance

Alerus did not provide specific forward guidance in its earnings report.

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 Q4 2021

Historical avgQ4 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%

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