Alerus 金融 ALRS
$33.81 −$0.04 (-0.12%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $33.81 0.00%
开盘$33.69
昨收$33.85
当日区间$33.17 – $34.09
成交量119.5K
市值$836.65M
市盈率（TTM）28.4
股息率2.54%
基本面
最新报告季度：Q3, ended Sep 2026
营收$80.37M+12.3% YoY
净利润$19.20M+13.4% YoY
摊薄每股收益$0.76+16.9% YoY
自由现金流$17.92M+136.9% YoY
经营现金流$18.60M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率12.6%
净资产收益率5.4%
资产收益率0.6%
负债/资产比率89.3%
现金及投资$65.76M
总负债$419.90M
净现金（净负债）-$354.14M
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $80.37M | $80.04M | $75.05M | $220.72M | $7.07M |
| 净利息收入 | $46.72M | $47.71M | $44.91M | $172.50M | $45.17M |
| -利息收入 | $70.19M | $70.63M | $66.98M | $279.64M | $70.39M |
| -利息支出 | $23.47M | $22.91M | $22.07M | $107.14M | $25.21M |
| 非利息收入 | $33.64M | $32.33M | $30.14M | $48.22M | -$38.10M |
| -手续费及佣金 | $29.51M | $28.74M | $28.40M | $112.28M | $34.64M |
| -其他非利息收入 | $4.14M | $3.59M | $1.74M | $1.20M | -$5.41M |
| -资产出售损益 | $0.00 | $0.00 | – | -$66.32M | -$68.40M |
| 信用损失准备 | -$2.20M | -$495,000.00 | $4.88M | -$556,000.00 | $307,000.00 |
| 非利息支出 | $53.16M | $52.27M | $49.68M | $198.10M | $51.26M |
| 物业及设备费用 | $3.53M | $3.49M | $3.43M | $11.97M | $3.66M |
| 专业及外包服务费用 | $3.80M | $3.78M | $3.80M | $11.10M | $3.09M |
| 销售及管理费用 | $27.32M | $27.02M | $24.95M | $101.29M | $26.19M |
| -销售及营销费用 | $1.23M | $869,000.00 | $861,000.00 | $3.84M | $1.02M |
| -管理费用 | $26.10M | $26.16M | $24.09M | $97.46M | $25.17M |
| 折旧、摊销与折耗 | $1.97M | $1.97M | $1.97M | $10.51M | $2.38M |
| -折旧与摊销 | $1.97M | $1.97M | $1.97M | $10.51M | $2.38M |
| 其他非利息支出 | $16.54M | $16.00M | $15.53M | $63.22M | $15.94M |
| 税前利润 | $25.01M | $27.28M | $30.25M | $22.59M | -$43.35M |
| 税费 | $5.81M | $6.41M | $7.28M | $5.15M | -$10.30M |
| 净利润 | $19.20M | $20.87M | $22.97M | $17.44M | -$33.05M |
| 持续经营利润 | $19.20M | $20.87M | $22.97M | $17.44M | -$33.05M |
| 归属母公司净利润 | $19.20M | $20.87M | $22.97M | $17.44M | -$33.05M |
| 归属普通股股东净利润 | $19.20M | $20.67M | $22.77M | $17.47M | -$32.58M |
| 基本每股收益 | $0.77 | $0.82 | $0.90 | $0.69 | -$1.28 |
| 摊薄每股收益 | $0.76 | $0.81 | $0.89 | $0.68 | -$1.28 |
| 每股股息 | $0.22 | $0.22 | $0.21 | $0.83 | $0.21 |
| 其他优先股股息 | – | $191,000.00 | $206,000.00 | -$29,000.00 | -$473,000.00 |
| -已赚保费合计 | – | – | – | $1.06M | – |
| 其他收入（支出） | – | – | – | $530,000.00 | – |
| 特殊收益（费用） | – | – | – | $530,000.00 | – |
| -减：其他特殊支出 | – | – | – | -$530,000.00 | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $5.40B | $5.29B | $5.29B | $5.23B | $5.23B |
| 现金、现金等价物及联邦基金出售 | $65.76M | $109.01M | $128.83M | $67.19M | $67.19M |
| -现金及现金等价物 | $65.76M | $109.01M | $128.83M | $67.19M | $67.19M |
| 证券投资 | $783.39M | $777.21M | $771.30M | $770.30M | $770.30M |
| -交易性证券 | $818,000.00 | $501,000.00 | $1.76M | $1.76M | $1.76M |
| -持有至到期证券 | $232.99M | $242.52M | $247.44M | $254.45M | $254.45M |
| -短期投资 | $549.58M | $479.65M | $480.63M | $476.75M | $476.75M |
| 贷款净额 | $4.15B | $4.01B | $4.01B | $4.01B | $4.01B |
| -贷款总额 | $4.20B | $4.06B | $4.06B | $4.07B | $4.07B |
| -贷款及租赁损失准备 | $51.45M | $48.36M | $50.51M | $61.92M | $61.92M |
| 应收款 | $21.01M | $20.21M | $20.47M | $62.75M | $62.75M |
| -应收账款 | $21.01M | $20.21M | $20.47M | $21.74M | $21.74M |
| 固定资产净值 | $71.06M | $76.05M | $76.55M | $72.01M | $72.01M |
| -固定资产原值 | $71.06M | $124.50M | $126.56M | $120.76M | $120.76M |
| 商誉及其他无形资产 | $120.50M | $122.08M | $123.65M | $125.39M | $125.39M |
| -商誉 | $85.63M | $85.63M | $85.63M | $85.63M | $85.63M |
| -其他无形资产 | $34.86M | $36.44M | $38.01M | $39.75M | $39.75M |
| 银行持有的寿险资产 | $42.15M | $41.89M | $39.48M | $39.31M | $39.31M |
| 递延资产 | $25.06M | $18.11M | $20.86M | $23.08M | $23.08M |
| 其他资产 | $121.04M | $83.32M | $78.58M | $10.91M | $10.91M |
| 负债合计 | $4.83B | $4.71B | $4.71B | $4.67B | $4.67B |
| 存款合计 | $4.30B | $4.19B | $4.35B | $4.19B | $4.19B |
| 短期债务及融资租赁负债 | $318.40M | $345.00M | $200.00M | $308.80M | $308.80M |
| -一年内到期债务 | $318.40M | $345.00M | $200.00M | $308.80M | $308.80M |
| 长期债务及融资租赁负债 | $101.50M | $101.99M | $101.80M | $95.46M | $95.46M |
| -长期债务 | $59.27M | $59.24M | $59.21M | $59.18M | $59.18M |
| -长期融资租赁负债 | $42.23M | $42.75M | $42.59M | $36.28M | $36.28M |
| 其他负债 | $103.18M | $66.69M | $63.60M | $68.88M | $68.88M |
| 股东权益合计 | $576.85M | $583.14M | $574.69M | $564.93M | $564.93M |
| 股东权益 | $576.85M | $583.14M | $574.69M | $564.93M | $564.93M |
| 股本 | $24.74M | $24.99M | $25.21M | $25.41M | $25.41M |
| -普通股 | $24.74M | $24.99M | $25.21M | $25.41M | $25.41M |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $252.75M | $260.07M | $266.02M | $271.61M | $271.61M |
| 留存收益 | $316.83M | $303.07M | $287.70M | $270.08M | $270.08M |
| 不影响留存收益的损益 | -$17.47M | -$4.98M | -$4.24M | -$2.16M | -$2.16M |
| -可供出售证券 | – | $54.54M | $41.47M | $37.35M | $37.35M |
| -累计折旧 | – | -$48.45M | -$50.01M | -$48.74M | -$48.74M |
| 联邦住房贷款银行股票 | – | $28.24M | $21.68M | $26.60M | $26.60M |
| 长期股权投资 | – | – | – | $0.00 | $0.00 |
| 衍生资产 | – | – | – | $16.53M | $16.53M |
| -其他应收款 | – | – | – | $41.01M | $41.01M |
| 预付资产 | – | – | – | $7.66M | $7.66M |
| 抵债资产 | – | – | – | $308,000.00 | $308,000.00 |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $18.60M | $27.81M | $67.53M | $16.34M | $32.78M |
| 持续经营经营活动现金流净额 | $18.60M | $27.81M | $67.53M | $16.34M | $32.78M |
| 持续经营净利润 | $20.87M | $22.97M | $17.44M | -$33.05M | $16.92M |
| 持续经营损益 | -$2.71M | -$2.61M | $57.33M | $65.93M | -$3.70M |
| 折旧、折耗与摊销 | $4.01M | $5.78M | $17.29M | $4.53M | $5.17M |
| 递延税款 | $3.01M | $2.98M | $5.89M | -$2.12M | $1.12M |
| 其他非现金项目 | -$2.80M | $1.57M | $6.34M | -$1.11M | $4.38M |
| 营运资金变动 | -$1.38M | $4.24M | -$14.20M | -$13.27M | $11.92M |
| -应收款变动 | $256,000.00 | $1.27M | -$1.67M | -$140,000.00 | -$718,000.00 |
| -应付账款及应计费用变动 | $4.76M | -$2.11M | -$1.25M | -$2.49M | $11.04M |
| -其他流动资产变动 | -$6.40M | $5.07M | -$11.29M | -$10.64M | $1.60M |
| 投资活动现金流净额 | -$14.72M | -$1.64M | $76.55M | $75.96M | $23.45M |
| 持续经营投资活动现金流净额 | -$14.72M | -$1.64M | $76.55M | $75.95M | $23.45M |
| 固定资产购置及出售净额 | -$686,000.00 | -$2.03M | -$8.70M | -$1.05M | -$2.47M |
| 投资购置及出售净额 | -$7.00M | -$4.74M | $123.29M | $22.32M | $22.08M |
| 贷款净收益 | -$7.87M | $9.27M | -$33.90M | $58.08M | -$1.64M |
| 其他投资变动净额 | $834,000.00 | -$4.15M | -$4.14M | -$3.39M | $5.48M |
| 筹资活动现金流 | -$23.69M | $35.47M | -$138.13M | -$117.15M | -$45.10M |
| 持续经营筹资活动现金流净额 | -$23.69M | $35.47M | -$138.13M | -$117.15M | -$45.10M |
| 存款增减 | -$155.99M | $155.88M | -$186.41M | -$220.65M | $75.19M |
| Net Issuance Payments of Debt | $145.00M | -$108.80M | $69.84M | $108.80M | -$114.60M |
| 普通股发行净额 | -$7.11M | -$6.54M | -$737,000.00 | -$219,000.00 | -$342,000.00 |
| 已付现金股利 | -$5.60M | -$5.08M | -$20.82M | -$5.08M | -$5.34M |
| 期末现金余额 | $109.01M | $128.83M | $67.19M | $67.19M | $92.04M |
| 现金净变动 | -$19.81M | $61.63M | $5.95M | -$24.85M | $11.14M |
| 期初现金余额 | $128.83M | $67.19M | $61.24M | $92.04M | $80.90M |
| 自由现金流 | $17.92M | $25.79M | $58.83M | $15.29M | $30.32M |
| 业务购买及出售净额 | – | – | $0.00 | – | – |
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