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Alerus Financial (ALRS) vs Capital City Bank Group (CCBG)

Alerus Financial and Capital City Bank Group are both Banks Regional companies. Alerus Financial and Capital City Bank Group are of similar size ($861.6M and $837.6M). Capital City Bank Group trades at the lower P/E: 13.8× against 28.4×. Capital City Bank Group grew revenue faster over the last twelve months: 1.29% against −15.0%. Capital City Bank Group has the higher net margin (21.9% vs 8.81%) and the higher return on invested capital (26.4% vs 4.30%). Both pay a dividend; Alerus Financial yields more (2.55% vs 2.12%). Across the 19 metrics below, Capital City Bank Group leads on 12 and Alerus Financial on 7.

Valuation

Metric ALRS CCBG Banks Regional median
P/E 28.36 13.80 12.02
P/S 2.47 3.01 2.36
P/B 1.45 1.51 1.23
Price to free cash flow 9.39 14.12 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.53% 7.25% 8.21%
Free cash flow yield 10.65% 7.08% 9.23%

Profitability

Metric ALRS CCBG Banks Regional median
Gross margin 72.40% 88.97% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.81% 21.85% 18.82%
Free cash flow margin 0.00% 21.32% 17.97%
Return on equity 5.30% 11.26% 10.28%
Return on assets 0.56% 1.44% 1.13%
Return on invested capital 4.30% 26.35% 8.45%

Growth

Metric ALRS CCBG Banks Regional median
Revenue growth (TTM) (15.00%) 1.29% 6.37%
EPS growth (last fiscal year) (18.07%) 15.38% 18.85%
Revenue growth, 5-year CAGR 6.19% 5.70% 12.65%
Net income growth, 5-year CAGR (16.83%) 14.28% 9.81%

Health

Metric ALRS CCBG Banks Regional median
Debt to equity 0.10 0.06 0.17
Current ratio 0.90 0.78 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ALRS CCBG Banks Regional median
Dividend yield 2.55% 2.12% 2.49%
Payout ratio 0.73 0.29 0.29

Size

Metric ALRS CCBG Banks Regional median
Market cap 837.59m 861.60m 934.85m

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