Alerus Financial Corporation (ALRS) vs Capital Bancorp, Inc. (CBNK)
A side-by-side comparison of Alerus Financial Corporation and Capital Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — ALRS vs CBNK
growth of $100 · dividends reinvested · last 8yALRS vs CBNK: by the numbers
- •ALRS is the larger company ($811M vs $652M market cap).
- •CBNK trades at the lower trailing earnings multiple (11.77 vs 29.90 P/E), one valuation lens rather than an overall verdict.
- •CBNK converts more revenue to profit (19.26% vs 8.33% net margin).
- •CBNK grew revenue faster over the past five years (10.99% vs 5.76% CAGR).
- •ALRS pays the higher dividend yield (2.65% vs 1.25%).
Metrics side by side
Valuation
| Metric | ALRS | CBNK |
|---|---|---|
| P/E ratio | 29.90 | 11.77 |
| Forward P/E | 10.71 | 11.51 |
| PEG ratio | N/A | 0.93 |
| P/S ratio | 2.44 | 2.23 |
| P/B ratio | 1.39 | 1.54 |
Profitability
| Metric | ALRS | CBNK |
|---|---|---|
| Operating margin | 10.36% | 15.76% |
| Net margin | 8.33% | 19.26% |
| ROE | 4.75% | 13.35% |
Alerus Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Capital Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | ALRS | CBNK |
|---|---|---|
| Dividend yield | 2.65% | 1.25% |
| Payout ratio | 79.63% | 14.71% |
Growth (annualized)
| Metric | ALRS | CBNK |
|---|---|---|
| Revenue CAGR (5Y) | 5.76% | 10.99% |
| EPS CAGR (5Y) | -23.13% | 13.03% |
| Total return CAGR (5Y) | 4.67% | 11.49% |
Frequently asked
- Which has the lower trailing P/E, ALRS or CBNK?
- CBNK has the lower trailing P/E: ALRS trades at 29.90 and CBNK at 11.77. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ALRS or CBNK?
- Over the past five years, CBNK grew revenue faster — ALRS at a 5.76% CAGR versus CBNK at 10.99%.
- Does ALRS or CBNK pay a bigger dividend?
- ALRS yields 2.65% and CBNK yields 1.25% based on trailing dividends and the latest price.
- Is ALRS or CBNK more profitable?
- CBNK runs the higher net margin — ALRS at 8.33% versus CBNK at 19.26%.
- How have ALRS and CBNK total returns compared?
- Over the past 5 years, ALRS delivered 4.67% and CBNK delivered 11.49% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Alerus Financial & Capital Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.