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Alerus Financial (ALRS) vs South Plains Financial, Inc. (SPFI)

Alerus Financial and South Plains Financial, Inc. are both Banks Regional companies. Alerus Financial and South Plains Financial, Inc. are of similar size ($809.1M and $765.5M). South Plains Financial, Inc. trades at the lower P/E: 11.4× against 29.0×. South Plains Financial, Inc. grew revenue faster over the last twelve months: 6.59% against −11.8%. South Plains Financial, Inc. has the higher net margin (20.8% vs 8.25%) and the lower return on invested capital (0.00% vs 4.25%). Both pay a dividend; Alerus Financial yields more (2.74% vs 1.56%). Across the 19 metrics below, South Plains Financial, Inc. leads on 12 and Alerus Financial on 7.

Valuation

Metric ALRS SPFI Banks Regional median
P/E 29.02 11.41 11.98
P/S 2.35 2.66 2.34
P/B 1.35 1.32 1.19
Price to free cash flow 8.80 11.02 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.45% 8.76% 8.23%
Free cash flow yield 11.36% 9.08% 9.08%

Profitability

Metric ALRS SPFI Banks Regional median
Gross margin 70.83% 72.40% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.25% 20.79% 18.66%
Free cash flow margin 26.67% 24.14% 21.11%
Return on equity 4.95% 12.01% 10.65%
Return on assets 0.52% 1.33% 1.13%
Return on invested capital 4.25% 0.00% 8.35%

Growth

Metric ALRS SPFI Banks Regional median
Revenue growth (TTM) (11.81%) 6.59% 6.98%
EPS growth (last fiscal year) (30.61%) 17.81% 18.88%
Revenue growth, 5-year CAGR 6.19% 4.36% 12.38%
Net income growth, 5-year CAGR (16.83%) 5.21% 9.71%

Health

Metric ALRS SPFI Banks Regional median
Debt to equity 0.10 0.10 0.22
Current ratio 0.90 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ALRS SPFI Banks Regional median
Dividend yield 2.74% 1.56% 2.57%
Payout ratio 0.81 0.19 0.30

Size

Metric ALRS SPFI Banks Regional median
Market cap 765.53m 809.14m 913.33m

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