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ALRS vs BUI

ALRS
Alerus Financial Corporation
BEARISH
Price
$23.56
Market Cap
$598.5M
Sector
Financial Services
AI Confidence
85%
BUI
BlackRock Utilities, Infrastructure & Power Opportunities Trust
BEARISH
Price
$26.57
Market Cap
$603.5M
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
ALRS
34.65
BUI
6.22
Forward P/E
ALRS
8.54
BUI
--
P/B Ratio
ALRS
1.06
BUI
--
P/S Ratio
ALRS
2.67
BUI
--
EV/EBITDA
ALRS
--
BUI
--

Profitability

Gross Margin
ALRS
0.0%
BUI
0.0%
Operating Margin
ALRS
-481.44%
BUI
0.0%
Profit Margin
ALRS
7.79%
BUI
0.0%
ROE
ALRS
3.29%
BUI
--
ROA
ALRS
0.33%
BUI
--

Growth

Revenue Growth
ALRS
-85.8%
BUI
--
Earnings Growth
ALRS
--
BUI
--

Financial Health

Debt/Equity
ALRS
--
BUI
--
Current Ratio
ALRS
--
BUI
--
Quick Ratio
ALRS
--
BUI
--

Dividends

Dividend Yield
ALRS
3.57%
BUI
6.14%
Payout Ratio
ALRS
122.06%
BUI
36.81%

AI Verdict

ALRS BEARISH

ALRS exhibits weak financial health with a Piotroski F-Score of 4/9, indicating marginal stability, and lacks an Altman Z-Score, raising unquantified distress risk. The stock trades at a high forward P/E of 8.54 but has a current P/E of 34.65, suggesting overvaluation relative to near-term earnings. Despite strong earnings surprises in recent quarters and a 93.2% YoY EPS growth, the company reports a negative operating margin of -481.44% and an 85.8% revenue decline, signaling severe operational distress. The dividend payout ratio of 122.06% is unsustainable, and technical trends are bearish, reinforcing caution. The Graham Number of $18.44 implies a defensive fair value below the current price of $23.56.

Strengths
Strong recent earnings surprise history with average +30.65% beat over last 4 quarters
Significant year-over-year EPS growth of 93.2% and +30.8% Q/Q growth
Positive analyst target price of $26.60, indicating upside potential
Risks
Piotroski F-Score of 4/9 indicates weak financial health and marginal stability
Negative operating margin (-481.44%) and zero gross margin signal severe operational inefficiency
85.8% YoY revenue decline suggests fundamental business deterioration
BUI BEARISH

The Advanced Deterministic Scorecard reveals severe financial health concerns with a Piotroski F-Score of just 1/9, indicating weak fundamental strength. Despite a low P/E of 6.22 compared to the sector average of 30.89 and a high dividend yield of 6.14%, profitability metrics are entirely absent (0.00% margins), and critical financial data is missing, raising transparency issues. The technical trend is deeply bearish at 10/100, and insider sentiment is weak at 40/100, further undermining confidence. While historical price performance shows strong 3Y and 5Y gains, the lack of financial disclosures and extremely poor health metrics suggest elevated risk.

Strengths
Attractive dividend yield of 6.14% well above sector average
Low P/E ratio of 6.22 vs sector average of 30.89 suggests potential undervaluation
Strong historical price performance: +52.3% over 3 years and +25.0% over 1 year
Risks
Piotroski F-Score of 1/9 indicates severe financial distress and weak fundamentals
All profitability margins (gross, operating, net) are 0.00%, suggesting no core earnings generation
Critical financial data missing (ROE, ROA, debt/equity, cash/debt), limiting risk assessment

Compare Another Pair

ALRS vs BUI: Head-to-Head Comparison

This page compares Alerus Financial Corporation (ALRS) and BlackRock Utilities, Infrastructure & Power Opportunities Trust (BUI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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