ALRS PEER ANALYSIS

Alerus Financial Corp — metric-by-metric comparison with peers and the industry median

ALRSAlerus Financial Corp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

ALRSIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	ALRS	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
P/E	29.17	9.21	2.96●	13.42	20.06	116.67	12.96
P/B	1.38	1.41	0.71	1.41	3.18	0.68●	1.29
EV/EBITDA	17.67	-8.40●	2.21	14.85	1.78	306.42	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ALRS	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Current Ratio	0.75●	0.25	—	0.12	—	0.01	0.31
Debt/Equity	52.5%	17.0%	0.0%●	209.8%	0.0%●	744.5%	38.0%
NetDebt/EBITDA	3.17	-14.68●	-0.47	5.39	-13.41	280.57	-0.58

Profitability
Metric	ALRS	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Net Margin	8.2%	20.1%	54.9%●	25.9%	14.2%	1.4%	20.6%
ROE	5.0%	14.9%	27.4%●	10.6%	17.5%	1.0%	10.9%
ROA	0.5%	0.8%	3.7%●	0.5%	1.2%	0.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	ALRS	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	9.9%	16.0%	-1.3%	16.2%●	8.1%	-80.9%	19.4%
Div. Yield	2.7%	4.8%●	—	3.2%	—	4.7%	2.5%
Payout	76.9%	—	—	—	—	335.1%	31.4%

Valuation
Metric	ALRS	ORRF	SMBK	FISI	SHBI	MPB	Ind. Median
P/E	29.17	9.37●	15.11	9.82	12.18	16.17	12.96
P/B	1.38	1.31	1.42	1.23	1.27	0.93●	1.29
EV/EBITDA	17.67	0.49	0.02●	8.02	8.39	6.34	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ALRS	ORRF	SMBK	FISI	SHBI	MPB	Ind. Median
Current Ratio	0.75	52.80●	1.03	0.04	42.84	0.07	0.31
Debt/Equity	52.5%	43.6%	18.1%	35.6%	16.5%	5.8%●	38.0%
NetDebt/EBITDA	3.17	-6.07	-11.24●	0.39	0.57	-4.79	-0.58

Profitability
Metric	ALRS	ORRF	SMBK	FISI	SHBI	MPB	Ind. Median
Net Margin	8.2%	23.7%●	16.3%	20.9%	18.2%	14.6%	20.6%
ROE	5.0%	14.9%●	9.9%	12.9%	10.9%	6.6%	10.9%
ROA	0.5%	1.5%●	0.9%	1.3%	1.0%	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	ALRS	ORRF	SMBK	FISI	SHBI	MPB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	9.9%	168.0%●	38.7%	—	27.0%	0.3%	19.4%
Div. Yield	2.7%	2.6%	0.7%	3.1%●	2.1%	2.4%	2.5%
Payout	76.9%	25.4%	10.3%	33.4%	25.6%	40.1%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.