COMP <GO>
ALRS vs IBCP // GROSS PROFIT MARGIN
Alerus Financial Corporation (NASDAQ) VS. Independent Bank Corporation (NASDAQ) • 15-METRIC TALLY: ALRS 2
— IBCP 5
■ METRIC PARITY
LAST: $33.03 (+2.36%) • MKT CAP: $823.4M
gross-margins
—
LAST: $37.10 (+0.49%) • MKT CAP: $819.2M
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ALRS VS. IBCP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ALRS | IBCP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.10% | 13.60% | -10.50 | IBCP | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.15% | 8.57% | -1.42 | IBCP | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 0.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.53% | 2.64% | -0.11 | IBCP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | IBCP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 61.7 | 58.6 | +3.10 | ALRS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 43.9x | 11.2x | +32.70 | IBCP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $823.4M | $819.2M | $4.1M | ALRS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ALRS REV | IBCP REV | ALRS GROSS % | IBCP GROSS % | ALRS FCF | IBCP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $32.1M | — | — | $58.8M | $70.2M |
| FY 2024 | $0 | $32.0M | — | — | $9.4M | $55.2M |
| FY 2023 | $0 | $32.9M | — | — | $26.8M | $75.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ALRS // BETA —
IBCP // BETA —