Alerus Financial Corporation (ALRS) vs Capital City Bank Group, Inc. (CCBG)
A side-by-side comparison of Alerus Financial Corporation and Capital City Bank Group, 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 CCBG
growth of $100 · dividends reinvested · last 10yALRS vs CCBG: by the numbers
- •CCBG is the larger company ($844M vs $814M market cap).
- •CCBG trades at the lower trailing earnings multiple (13.70 vs 30.00 P/E), one valuation lens rather than an overall verdict.
- •CCBG converts more revenue to profit (22.19% vs 8.33% net margin).
- •ALRS grew revenue faster over the past five years (5.76% vs 4.91% CAGR).
- •ALRS pays the higher dividend yield (2.65% vs 2.17%).
Metrics side by side
Valuation
| Metric | ALRS | CCBG |
|---|---|---|
| P/E ratio | 30.00 | 13.70 |
| Forward P/E | 10.74 | 13.20 |
| PEG ratio | N/A | 0.99 |
| P/S ratio | 2.45 | 3.03 |
| P/B ratio | 1.40 | 1.48 |
Profitability
| Metric | ALRS | CCBG |
|---|---|---|
| Operating margin | 10.36% | 30.04% |
| Net margin | 8.33% | 22.19% |
| ROE | 4.75% | 10.83% |
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 City Bank Group, 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 | CCBG |
|---|---|---|
| Dividend yield | 2.65% | 2.17% |
| Payout ratio | 79.63% | 29.72% |
Growth (annualized)
| Metric | ALRS | CCBG |
|---|---|---|
| Revenue CAGR (5Y) | 5.76% | 4.91% |
| EPS CAGR (5Y) | -23.13% | 13.88% |
| Total return CAGR (5Y) | 4.67% | 17.08% |
Frequently asked
- Which has the lower trailing P/E, ALRS or CCBG?
- CCBG has the lower trailing P/E: ALRS trades at 30.00 and CCBG at 13.70. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ALRS or CCBG?
- Over the past five years, ALRS grew revenue faster — ALRS at a 5.76% CAGR versus CCBG at 4.91%.
- Does ALRS or CCBG pay a bigger dividend?
- ALRS yields 2.65% and CCBG yields 2.17% based on trailing dividends and the latest price.
- Is ALRS or CCBG more profitable?
- CCBG runs the higher net margin — ALRS at 8.33% versus CCBG at 22.19%.
- How have ALRS and CCBG total returns compared?
- Over the past 10 years, ALRS delivered 9.99% and CCBG delivered 15.10% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Alerus Financial & Capital City Bank 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.