Alerus Financial (ALRS) vs Great Southern Bancorp, Inc. (GSBC)

Alerus Financial and Great Southern Bancorp, Inc. are both Banks Regional companies. Alerus Financial and Great Southern Bancorp, Inc. are of similar size ($868.0M and $837.6M). Great Southern Bancorp, Inc. trades at the lower P/E: 13.3× against 28.4×. Great Southern Bancorp, Inc. grew revenue faster over the last twelve months: −8.85% against −15.0%. Great Southern Bancorp, Inc. has the higher net margin (20.7% vs 8.81%) and the higher return on invested capital (10.5% vs 4.30%). Both pay a dividend; Alerus Financial yields more (2.55% vs 2.13%). Across the 19 metrics below, Great Southern Bancorp, Inc. leads on 14 and Alerus Financial on 5.

Valuation

Metric ALRS GSBC Banks Regional median
P/E 28.36 13.31 12.02
P/S 2.47 2.71 2.36
P/B 1.45 1.37 1.23
Price to free cash flow 9.39 19.84 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.53% 7.51% 8.21%
Free cash flow yield 10.65% 5.04% 9.23%

Profitability

Metric ALRS GSBC Banks Regional median
Gross margin 72.40% 69.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.81% 20.72% 18.82%
Free cash flow margin 0.00% 13.64% 17.97%
Return on equity 5.30% 10.65% 10.28%
Return on assets 0.56% 1.18% 1.13%
Return on invested capital 4.30% 10.48% 8.45%

Growth

Metric ALRS GSBC Banks Regional median
Revenue growth (TTM) (15.00%) (8.85%) 6.37%
EPS growth (last fiscal year) (18.07%) 17.68% 18.85%
Revenue growth, 5-year CAGR 6.19% 6.28% 12.65%
Net income growth, 5-year CAGR (16.83%) 3.65% 9.81%

Health

Metric ALRS GSBC Banks Regional median
Debt to equity 0.10 0.04 0.17
Current ratio 0.90 0.93 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ALRS GSBC Banks Regional median
Dividend yield 2.55% 2.13% 2.49%
Payout ratio 0.73 0.29 0.29

Size

Metric ALRS GSBC Banks Regional median
Market cap 837.59m 867.99m 934.85m

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