ALRS vs MA
Valuation
Profitability
Growth
Financial Health
Dividends
AI Verdict
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.
MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.
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ALRS vs MA: Head-to-Head Comparison
This page compares Alerus Financial Corporation (ALRS) and Mastercard Incorporated (MA) 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.