What does gain (loss) on sales of consumer loans mean?

This represents the net gain or loss recognized upon the sale of consumer loan portfolios to third-party investors. It indicates the company's ability to generate value through the origination and subsequent distribution of consumer credit products. This metric helps assess the efficiency of the company's consumer lending business model.

Alerus Financial Corporation ALRS Gain (Loss) on Sales of Consumer Loans

Gain (Loss) on Sales of Consumer Loans at other companies

Simmons First NationalSFNC

$0+100%

Alerus Financial CorporationALRS

$520K—

SBC

Seacoast Banking Corporation of FloridaSBCF

$1.73M-13.3%

Republic BancorpRBCAA

$3.77M+23.5%

Hanmi FinancialHAFC

$485K+177%

NelnetNNI

-$105K-112%

Other financials

Income statement

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Revenue$51.4M+7.0%

Net income$23.0M+72.5%

EPS (diluted)$0.31-31.1%

Balance sheet

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Cash & equivalents$128.8M+55.3%

Total debt$301.8M+8.7%

Total equity$574.7M+11.8%

Total assets$5.3B-1.0%

Cash flow

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Operating cash flow$27.8M+261%

CapEx$2.0M-1.3%

Free cash flow$25.8M+356%

Valuation

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Market cap$769.19M+43.7%

Enterprise value$942.16M+29.1%

P/E10.5×—

P/S4.5×+1.1×

Profitability

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Net margin18.8%-0.6pp

FCF margin4.4%-41.9pp

Returns & leverage

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Return on equity10.8%—

Debt / equity0.5×0.0×

Where this comes from

Reported directly by Alerus Financial Corporation in its filing.

Tagged under the XBRL concept us-gaap:GainLossOnSalesOfConsumerLoans.

The official record: Alerus Financial Corporation’s 10-K, filed March 4, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Alerus Financial Corporation's gain (loss) on sales of consumer loans?: Alerus Financial Corporation (ALRS) reported gain (loss) on sales of consumer loans of $520K in Q4 2025.
What does gain (loss) on sales of consumer loans mean?: This represents the net gain or loss recognized upon the sale of consumer loan portfolios to third-party investors. It indicates the company's ability to generate value through the origination and subsequent distribution of consumer credit products. This metric helps assess the efficiency of the company's consumer lending business model.