Alerus Financial Corp (ALRS) — Cash Flow Quality Index

Latest as of June 2026: 0.88x

Alerus Financial Corp (ALRS) has a Cash Flow Quality Index of 0.88x as of June 2026. Operating cash flow of $18.60 Million is below net income of $21.07 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore ALRS operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.

Cash Flow Quality Index

0.88x
Operating CF / Net Income

Operating Cash Flow

$18.60 Million
USD

Net Income

$21.07 Million
USD

Data as of

Jun 2026
Most recent filing

Alerus Financial Corp Cash Flow Quality Index (2012–2025)

Historical Cash Flow Quality Index for Alerus Financial Corp across 14 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see ALRS cash flow metrics.

Annual Cash Flow Quality Index for Alerus Financial Corp (2012–2025)

Year-by-year earnings quality comparison for Alerus Financial Corp.

Year Quality Index Operating CF (USD) Net Income YoY Change
2025 3.87x $67.53 Million $17.44 Million ▲ +137.7%
2024 1.63x $28.96 Million $17.78 Million ▼ -34.3%
2023 2.48x $28.98 Million $11.70 Million ▼ -3.7%
2022 2.57x $102.97 Million $40.01 Million ▼ -9.1%
2021 2.83x $149.12 Million $52.68 Million ▲ +668.0%
2020 -0.50x $-22.26 Million $44.67 Million ▼ -176.5%
2019 0.65x $19.25 Million $29.54 Million ▼ -68.5%
2018 2.07x $53.55 Million $25.87 Million ▼ -35.1%
2017 3.19x $47.89 Million $15.00 Million ▲ +31.8%
2016 2.42x $33.99 Million $14.04 Million ▲ +70.1%
2015 1.42x $24.36 Million $17.11 Million ▲ +38.4%
2014 1.03x $21.37 Million $20.77 Million ▼ -64.0%
2013 2.85x $57.87 Million $20.27 Million ▲ +75.0%
2012 1.63x $26.52 Million $16.26 Million —
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.