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Alerus Financial (ALRS) vs Mid Penn Bancorp (MPB)

Alerus Financial and Mid Penn Bancorp are both Banks Regional companies. Alerus Financial and Mid Penn Bancorp are of similar size ($869.3M and $837.6M). Mid Penn Bancorp trades at the lower P/E: 11.8× against 28.4×. Mid Penn Bancorp grew revenue faster over the last twelve months: 18.7% against −15.0%. Mid Penn Bancorp has the higher net margin (17.8% vs 8.81%) and the lower return on invested capital (0.00% vs 4.30%). Both pay a dividend; Mid Penn Bancorp yields more (3.26% vs 2.55%). Across the 18 metrics below, Mid Penn Bancorp leads on 14 and Alerus Financial on 4.

Valuation

Metric ALRS MPB Banks Regional median
P/E 28.36 11.81 12.02
P/S 2.47 2.17 2.36
P/B 1.45 0.96 1.23
Price to free cash flow 9.39 11.45 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.53% 8.47% 8.21%
Free cash flow yield 10.65% 8.73% 9.23%

Profitability

Metric ALRS MPB Banks Regional median
Gross margin 72.40% 69.21% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.81% 17.83% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 5.30% 8.41% 10.28%
Return on assets 0.56% 1.07% 1.13%
Return on invested capital 4.30% 0.00% 8.45%

Growth

Metric ALRS MPB Banks Regional median
Revenue growth (TTM) (15.00%) 18.71% 6.37%
EPS growth (last fiscal year) (18.07%) (12.07%) 18.85%
Revenue growth, 5-year CAGR 6.19% 22.74% 12.65%
Net income growth, 5-year CAGR (16.83%) 16.50% 9.81%

Health

Metric ALRS MPB Banks Regional median
Debt to equity 0.10 0.00 0.17
Current ratio 0.90 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ALRS MPB Banks Regional median
Dividend yield 2.55% 3.26% 2.49%
Payout ratio 0.73 0.39 0.29

Size

Metric ALRS MPB Banks Regional median
Market cap 837.59m 869.25m 934.85m

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