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Alerus Financial (ALRS) vs River City Bank (RCBC)

Alerus Financial and River City Bank are both Banks Regional companies. Alerus Financial and River City Bank are of similar size ($837.6M and $828.4M). Across the 6 metrics below, Alerus Financial leads on 3 and River City Bank on 3.

Valuation

Metric ALRS RCBC Banks Regional median
P/E 28.36 — 12.02
P/S 2.47 n/m 2.36
P/B 1.45 1.53 1.23
Price to free cash flow 9.39 n/m 10.60
EV/EBITDA — n/m —
EV/Sales — n/m —
Earnings yield 3.53% — 8.21%
Free cash flow yield 10.65% 0.00% 9.23%

Profitability

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

Growth

Metric ALRS RCBC Banks Regional median
Revenue growth (TTM) (15.00%) — 6.37%
EPS growth (last fiscal year) (18.07%) (5.98%) 18.85%
Revenue growth, 5-year CAGR 6.19% — 12.65%
Net income growth, 5-year CAGR (16.83%) — 9.81%

Health

Metric ALRS RCBC Banks Regional median
Debt to equity 0.10 0.00 0.17
Current ratio 0.90 0.91 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ALRS RCBC Banks Regional median
Dividend yield 2.55% — 2.49%
Payout ratio 0.73 — 0.29

Size

Metric ALRS RCBC Banks Regional median
Market cap 837.59m 828.41m 934.85m

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