ALRS – Dividend Returns, History & Calculator

Dividend Champion 26 Years

Alerus Financial Corporation operates as the bank holding company for Alerus Financial, National Association that provides various financial services to businesses and consumers in the United States. The company operates through three segments: Banking, Retire

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Company Info

Symbol ALRS
Company Alerus Financial Corporation
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $550.6M

Price Data

Price $21.68
Price Change -0.28
Price Change % -1.28%
Next Earnings Oct 30, 2025
Low (52W) $15.78
High (52W) $24.41

Dividend Data

Div Yield 387.45%
5Y Avg Yield 340.44%
Current Div $0.210
Payouts/Year 4
Annualized $0.840
Previous Div $0.210
Ex-Date Sep 26, 2025

Growth Rates

Chowder Number 10.3
DGR 1Y 5.1%
DGR 3Y 6.4%
DGR 5Y 6.4%
DGR 10Y 7.2%

Total Returns

TTR 1Y - With Specials -3.0%
TTR 3Y - With Specials 4.7%
TTR 1Y - No Specials -3.0%
TTR 3Y - No Specials 4.7%

Fair Value

Fair Value (P/E 10) $21.59
FV (P/E 10) % 0.0%
Fair Value (Peter Lynch) $37.50
FV (Peter Lynch) % -42.0%
Fair Value (Blended) $28.35
FV (Blended) % -24.0%

Financial Metrics

Revenue 1Y 13.4%
NPM 15.9%
CF/Share $1.89
ROE 8.5%
Debt/Capital 13.0%
ROTC 7.5%
P/E 14.5x
P/BV 1.0x
📊 Financial data last updated: October 16, 2025 9:12 am

Calculate your ALRS Dividend Returns

Quickly and easily calculate ALRS dividend yield using our ALRS calculator. Adjust the fields below to see how your ALRS investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: October 16, 2025 4:34 pm

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000475$21.05$0.213.99%3.99%$435$435553$11,635
2$11,697553$21.16$0.224.23%4.26%$535$971635$13,432
3$13,503635$21.27$0.244.49%4.54%$651$1,622722$15,354
4$15,435722$21.39$0.254.77%4.84%$786$2,407815$17,421
5$17,513815$21.50$0.275.06%5.17%$942$3,349914$19,655
6$19,758914$21.61$0.295.37%5.51%$1,123$4,4731,022$22,082
7$22,1981,022$21.73$0.315.70%5.88%$1,336$5,8081,138$24,734
8$24,8651,138$21.84$0.336.05%6.27%$1,584$7,3921,266$27,649
9$27,7951,266$21.96$0.356.42%6.69%$1,876$9,2691,406$30,871
10$31,0341,406$22.07$0.386.81%7.14%$2,220$11,4891,561$34,454

ALRS Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/26/202509/26/2025$0.2103.63%3.71%$22.62
06/27/202506/27/2025$0.2103.69%3.83%$21.93
03/14/202503/14/2025$0.2004.37%4.37%$18.29
12/27/202412/27/2024$0.2004.11%4.16%$19.22
09/13/202409/13/2024$0.2003.62%3.72%$21.52
06/14/202406/14/2024$0.2004.19%4.35%$18.38
03/14/202403/14/2024$0.1903.55%3.55%$21.42
12/26/202312/26/2023$0.1903.30%3.35%$22.70
09/14/202309/14/2023$0.1903.90%4.00%$18.98
06/14/202306/14/2023$0.1904.09%4.26%$17.85
03/14/202303/14/2023$0.1804.38%4.38%$16.43
12/22/202212/22/2022$0.1803.03%3.11%$23.12
09/29/202209/29/2022$0.1803.08%3.26%$22.07
06/16/202206/16/2022$0.1802.87%3.13%$23.01
03/17/202203/17/2022$0.1602.19%2.19%$29.24
12/22/202112/22/2021$0.1602.18%2.22%$28.85
09/16/202109/16/2021$0.1602.23%2.30%$27.84
06/17/202106/17/2021$0.1601.93%2.03%$31.60
03/18/202103/18/2021$0.1501.81%1.81%$33.15
12/17/202012/17/2020$0.1502.17%2.17%$27.69
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ALRS 10-yr Total Return ($10,000 invested)

This analysis of ALRS demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 4.9% CAGR, representing modest long-term performance. The DRIP strategy provided 21% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (ALRS)

Over the selected period, investing $10,000 in ALRS would grow to $22,341 with DRIP (123.4%), and $20,289 without DRIP (102.9%).

ALRS Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in ALRS with historic price growth (0.46%) and dividend growth (6.68%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $116,380

Annual Dividend: $15,564

Yield on Cost: 45.78%

Total Dividends: $78,470

No DRIP

Portfolio: $74,565

Total Dividends: $38,481

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $727,418

Annual Dividend: $177,457

Yield on Cost: 385.78%

Total Dividends: $663,511

No DRIP

Portfolio: $166,356

Total Dividends: $116,312

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $21,138 against a total investment of $25,600. At this point, your portfolio is throwing off $4,235 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $8,689, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $78,470 versus $34,000 invested, nearly a 231% recovery of capital purely from income. Yield on cost reaches 45.78%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $46,803 is greater than total contributions to date ($40,000), and cumulative dividends exceed $211,229.

By year 30, the DRIP snowball is in full force. Yearly income reaches $177,457, cumulative dividends total $663,511, and the DRIP portfolio value stands at $727,418, compared with $166,356 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for ALRS, price $20.90, dividend per period $0.21 (4×/year), along with historic growth assumptions: price growth 0.46% and dividend growth 6.68% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No‑DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for ALRS

Based on past 10-year performance, here are ALRS growth metrics:

Share price CAGR of +8.46%
Dividend CAGR of +7.18%

Using ALRS CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

ALRS (DRIP)ALRS (No DRIP)
Current Price$21.05$21.05
Start Shares475.06475.06
Start Value$10,000$10,000
After 10 years:
Final Share Count685.78475.06
Dividends Payment$1.68$1.68
Annual Dividends$1,113$798
Yield on cost11.13%7.98%
Share Price$47.43$47.43
Total Dividends$7,242$5,959
Final Value$32,526$28,491

Estimated Future Value + Dividends – ALRS

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

ALRS Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/26/202509/26/2025$0.2103.63%3.71%$22.62
06/27/202506/27/2025$0.2103.69%3.83%$21.93
03/14/202503/14/2025$0.2004.37%4.37%$18.29
12/27/202412/27/2024$0.2004.11%4.16%$19.22
09/13/202409/13/2024$0.2003.62%3.72%$21.52
06/14/202406/14/2024$0.2004.19%4.35%$18.38
03/14/202403/14/2024$0.1903.55%3.55%$21.42
12/26/202312/26/2023$0.1903.30%3.35%$22.70
09/14/202309/14/2023$0.1903.90%4.00%$18.98
06/14/202306/14/2023$0.1904.09%4.26%$17.85
03/14/202303/14/2023$0.1804.38%4.38%$16.43
12/22/202212/22/2022$0.1803.03%3.11%$23.12
09/29/202209/29/2022$0.1803.08%3.26%$22.07
06/16/202206/16/2022$0.1802.87%3.13%$23.01
03/17/202203/17/2022$0.1602.19%2.19%$29.24
12/22/202112/22/2021$0.1602.18%2.22%$28.85
09/16/202109/16/2021$0.1602.23%2.30%$27.84
06/17/202106/17/2021$0.1601.93%2.03%$31.60
03/18/202103/18/2021$0.1501.81%1.81%$33.15
12/17/202012/17/2020$0.1502.17%2.17%$27.69
09/17/202009/17/2020$0.1502.71%2.71%$22.16
06/12/202006/12/2020$0.1502.92%2.97%$20.23
03/19/202003/19/2020$0.1503.61%3.73%$16.08
12/19/201912/19/2019$0.1502.47%2.60%$23.12
09/19/201909/19/2019$0.1402.56%2.56%$21.86
06/20/201906/20/2019$0.1402.91%2.96%$18.90
03/21/201903/21/2019$0.1402.73%2.83%$19.80
12/20/201812/20/2018$0.1402.70%2.86%$19.61
09/20/201809/20/2018$0.1302.13%2.17%$24.00
06/21/201806/21/2018$0.1301.92%1.99%$26.10
03/22/201803/22/2018$0.1302.11%2.24%$23.25
12/21/201712/21/2017$0.1202.35%2.35%$20.45
09/21/201709/21/2017$0.1202.31%2.36%$20.35
06/21/201706/21/2017$0.1202.41%2.52%$19.05
03/22/201703/22/2017$0.1202.39%2.55%$18.80
12/21/201612/21/2016$0.1102.68%2.68%$16.40
09/21/201609/21/2016$0.1102.58%2.58%$17.05
06/15/201606/15/2016$0.1102.49%2.49%$17.68
03/16/201603/16/2016$0.1102.33%2.38%$18.45
12/16/201512/16/2015$0.1102.22%2.32%$18.95
09/16/201509/16/2015$0.1101.95%2.10%$21.00
06/17/201506/17/2015$0.1001.97%1.97%$20.35
03/18/201503/18/2015$0.1002.04%2.08%$19.25
12/17/201412/17/2014$0.1001.92%2.00%$20.00
09/18/201409/18/2014$0.1001.76%1.91%$20.99
06/18/201406/18/2014$0.0932.00%2.10%$17.82
03/19/201403/19/2014$0.0902.10%2.18%$16.50
12/18/201312/18/2013$0.0871.98%2.02%$17.17
09/18/201309/18/2013$0.0872.35%2.44%$14.19
06/19/201306/19/2013$0.0832.58%2.66%$12.52
03/20/201303/20/2013$0.0832.71%2.86%$11.67
09/19/201209/19/2012$0.0803.00%3.10%$10.33
06/20/201206/20/2012$0.0773.35%3.38%$9.07
03/21/201203/21/2012$0.0773.19%3.26%$9.42
12/21/201112/21/2011$0.0773.49%3.61%$8.50
09/21/201109/21/2011$0.0733.78%3.78%$7.75
06/15/201106/15/2011$0.0733.29%3.29%$8.92
03/16/201103/16/2011$0.0733.38%3.38%$8.67
12/21/201012/21/2010$0.0733.59%3.59%$8.17
09/15/201009/15/2010$0.0733.52%3.56%$8.25
06/16/201006/16/2010$0.0733.51%3.59%$8.17
03/17/201003/17/2010$0.0733.68%3.81%$7.70
12/16/200912/16/2009$0.0703.73%3.73%$7.50
09/18/200909/18/2009$0.0703.61%3.61%$7.75
06/17/200906/17/2009$0.0703.82%3.86%$7.25
03/18/200903/18/2009$0.0703.48%3.65%$7.67
12/17/200812/17/2008$0.0703.33%3.64%$7.70
09/17/200809/17/2008$0.0672.31%2.50%$10.67
06/18/200806/18/2008$0.0602.36%2.36%$10.15
03/18/200803/18/2008$0.0602.30%2.32%$10.35
12/19/200712/19/2007$0.0602.14%2.18%$11.00
09/19/200709/19/2007$0.0602.09%2.17%$11.08
06/20/200706/20/2007$0.0582.03%2.11%$11.08
03/21/200703/21/2007$0.0572.05%2.11%$10.75
12/22/200612/22/2006$0.0571.90%2.01%$11.25
09/21/200609/21/2006$0.0531.88%1.94%$11.00
06/21/200606/21/2006$0.0532.00%2.12%$10.08
03/22/200603/22/2006$0.0502.02%2.05%$9.75
12/30/200512/30/2005$0.0502.09%2.16%$9.25
09/21/200509/21/2005$0.0482.01%2.06%$9.39
06/15/200506/15/2005$0.0482.24%2.35%$8.24
03/16/200503/16/2005$0.0472.18%2.26%$8.25
12/21/200412/21/2004$0.0452.29%2.36%$7.64
09/15/200409/15/2004$0.0452.75%2.88%$6.25
06/16/200406/16/2004$0.0432.78%2.89%$6.00
03/17/200403/17/2004$0.0422.77%2.86%$5.83
12/17/200312/17/2003$0.0422.43%3.37%$4.95
09/17/200309/17/2003$0.0401.59%3.25%$4.92
06/18/200306/18/2003$0.0380.79%3.17%$4.83
Page 1 of 1

Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

ALRS Price

Price to Earnings

ALRS trades at a 24.9x price-to-earnings ratio.

Price to Sales

ALRS trades at a 6.7x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

ALRS generated $0.1B in revenue. Revenue has grown by 29% over the period.

Net Income

ALRS reported $0.0B in net income. Net income has grown by 54% over the period.

Revenue vs Net Income

ALRS generated $0.1B in revenue with net income of $0.0B, representing a 26.9% net profit margin.

Gross Profit

ALRS achieved $0.1B in gross profit, showing revenue after direct production costs.

Operating Income

ALRS generated $0.0B in operating income, representing profit from core business operations.

EBITDA

ALRS generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

ALRS generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

ALRS generated $0.0B in free cash flow. Free cash flow has increased by 58% over the period.

Free Cash Flow / Share

ALRS generates $0.81 in free cash flow per share. FCF per share has grown by 58% over the period.

Earnings Per Share (EPS)

ALRS reported $0.80 in earnings per share. EPS has grown by 54% over the period.

Return on Equity (ROE)

ALRS delivered a 22.4% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

ALRS achieved a 13.4% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

ALRS maintains a 26.9% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

ALRS operates with a 78.3% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

ALRS holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

ALRS has 0.0B shares outstanding.

Stock-Based Comp

ALRS reported $0.0B in stock-based compensation. Over the period, stock-based compensation has increased by 29%.

FCF vs Stock Based Comp

ALRS generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 9% of FCF.

FCF vs FCF / Share

ALRS reported $0.0B in free cash flow, translating to $0.81 per share.

Revenue: Actual + Estimates

This chart tracks ALRS revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks ALRS eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks ALRS net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks ALRS ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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