Is AGBK or ALRS more undervalued in 2026?

CirclFi compares AGI Inc (AGBK) and Alerus Financial Corporation (ALRS) using 13 institutional-grade valuation models. AGBK has a Quality of Company score of 1.6/10 while ALRS scores 7.0/10.

Which is a better buy — AGBK or ALRS?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do AGBK and ALRS valuations compare?

AGBK at $7.06 and ALRS at $28.90 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AGBK vs ALRS Valuation Comparison 2026 — Intrinsic Value Analysis

AGBK

Banks - Regional

AGI Inc

Quality

1.6

out of 10

Value Trap

—

Price

$7.06

Last close

Models

7/13

Active

ALRS

Banks - Regional

Alerus Financial Corporation

Quality

7.0

out of 10

Value Trap

SAFE

Price

$28.90

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	AGBK Fair Value	AGBK Upside	ALRS Fair Value	ALRS Upside
Bayesian DCF	Intrinsic	$1.87	-73.5%	$17.79	-38.4%
Earnings Power Value	Intrinsic	—	—	$22.77	-21.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$2.82	-60.0%	$105.75	+292.4%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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AGBK vs ALRS — Which Stock Is More Undervalued?

ALRS scores higher with a 7.0/10 quality rating vs AGBK's 1.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing AGI Inc (AGBK) and Alerus Financial Corporation (ALRS) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

AGBK currently trades at $7.06 with a QOC of 1.6/10, while ALRS trades at $28.90 with a QOC of 7.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).