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