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Alerus Financial (ALRS) vs VersaBank (VBNK)

Alerus Financial and VersaBank are both Banks Regional companies. Alerus Financial and VersaBank are of similar size ($765.5M and $725.9M). Alerus Financial trades at the lower P/E: 29.0× against 29.3×. VersaBank grew revenue faster over the last twelve months: 14.5% against −11.8%. VersaBank has the higher net margin (9.94% vs 8.25%) and the higher return on invested capital (41.3% vs 4.25%). Both pay a dividend; Alerus Financial yields more (2.74% vs 0.32%). Across the 19 metrics below, Alerus Financial leads on 10 and VersaBank on 9.

Valuation

Metric ALRS VBNK Banks Regional median
P/E 29.02 29.32 11.98
P/S 2.35 2.92 2.34
P/B 1.35 1.78 1.19
Price to free cash flow 8.80 102.11 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.45% 3.41% 8.23%
Free cash flow yield 11.36% 0.98% 9.08%

Profitability

Metric ALRS VBNK Banks Regional median
Gross margin 70.83% 43.56% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.25% 9.94% 18.66%
Free cash flow margin 26.67% 2.86% 21.11%
Return on equity 4.95% 6.20% 10.65%
Return on assets 0.52% 0.55% 1.13%
Return on invested capital 4.25% 41.26% 8.35%

Growth

Metric ALRS VBNK Banks Regional median
Revenue growth (TTM) (11.81%) 14.54% 6.98%
EPS growth (last fiscal year) (30.61%) (41.28%) 18.88%
Revenue growth, 5-year CAGR 6.19% 27.64% 12.38%
Net income growth, 5-year CAGR (16.83%) 9.64% 9.71%

Health

Metric ALRS VBNK Banks Regional median
Debt to equity 0.10 0.00 0.22
Current ratio 0.90 1.11 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ALRS VBNK Banks Regional median
Dividend yield 2.74% 0.32% 2.57%
Payout ratio 0.81 0.09 0.30

Size

Metric ALRS VBNK Banks Regional median
Market cap 765.53m 725.88m 913.33m

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