ALRSALERUS FINANCIAL CORP
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$50M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear387% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear32% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $53M | $40M | $12M | $18M | $17M | 1.9% |
| Operating cash flow | $150M | $103M | $27M | $22M | $68M | 211% |
| Capex | $2M | $2M | $3M | $12M | $9M | 30% |
| Stock-based comp | $3M | $2M | $2M | $2M | $3M | 64% |
| Buybacks | $712K | $738K | $7M | $276K | $737K | 167% |
| Dividends | $11M | $13M | $15M | $15M | $21M | 35% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $20K · 1
- Net
- −$20K
Pay vs performance
No pay-versus-performance disclosure yet.