Alerus Financial vs Bank First
ALRS and BFC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ALRS and BFC compare
Bank First is the larger company, worth 1.9 times as much as Alerus Financial ($1.7B against $859M).
On earnings, Bank First is cheaper: it trades at 18.7× trailing earnings, against 29.0× for Alerus Financial.
Bank First grew revenue faster over the last twelve months (41.4% versus −14.8% for Alerus Financial).
Bank First keeps more of each dollar of sales as profit, with a net margin of 36.3% compared with 12.2% at Alerus Financial.
Both pay dividends: Alerus Financial yields 2.5% and Bank First 1.4%.
Bank First scores higher on the StockData Score (13 against 9 for Alerus Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ALRS | BFC |
|---|---|---|
| Size and price | ||
| Market cap | $859M | $1.7B |
| Share price | $34.50 | $149.78 |
| Change, 1 year | 60.3% | 19.7% |
| Change, 5 years | 6.2% | 110% |
| Beta (5Y) | 0.73 | 0.51 |
| Employees | 864 | 380 |
| StockData Score | ||
| Total score | 9 | 13 (better) |
| Valuation score | 1 (better) | 0 |
| Growth score | 0 | 3 (better) |
| Performance score | 0 | 4 (better) |
| Health score | 4 | 5 (better) |
| Dividend score | 4 (better) | 1 |
| Valuation | ||
| P/E | 29.0× | 18.7× (better) |
| P/S | 3.5× (better) | 6.9× |
| P/B | 1.5× (better) | 2.0× |
| P/FCF | 7.7× (better) | 29.6× |
| PEG | – | 2.08 |
| FCF yield | 13.0% (better) | 3.4% |
| Fair value | $21.50 | $110.33 |
| Margin of safety | −60.5% | −35.8% (better) |
| Growth | ||
| Revenue growth (TTM) | −14.8% | 41.4% (better) |
| Revenue growth, 5Y average | −0.77% | 10.5% (better) |
| Net income growth (TTM) | −40.5% | 23.0% (better) |
| EPS growth (TTM) | −39.0% | 12.5% (better) |
| EPS growth, 5Y average | −23.0% | 7.4% (better) |
| Profitability | ||
| Net margin | 12.2% | 36.3% (better) |
| FCF margin | 45.5% (better) | 23.5% |
| Return on equity | 5.3% | 11.9% (better) |
| Financial health | ||
| Debt / equity | 0.55 | – |
| Altman Z-score | 0.23 | 0.34 (better) |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.5% (better) | 1.4% |
| Payout ratio | 70.9% | – |
| Years of dividend growth | 8 (better) | 3 |
| Dividend growth, 5Y average | 6.7% | 45.6% (better) |
| Buyback yield | 2.6% (better) | 1.4% |
| Shareholder yield | 5.1% (better) | 2.8% |
| Ownership | ||
| Held by institutions | 65.3% | 37.7% |
| Held by insiders | 4.1% | 4.6% |
| Insider net buying, 12 months | $41.4K (better) | −$2.3M |
| Short interest, % of float | 3.8% | 5.9% |
Go deeper
- ALRS stock overview
- ALRS income statement
- ALRS valuation and score
- BFC stock overview
- BFC income statement
- BFC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.