Alerus Financial Corporation (ALRS) vs First Community Bankshares, Inc. (FCBC)
A side-by-side comparison of Alerus Financial Corporation and First Community Bankshares, 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 FCBC
growth of $100 · dividends reinvested · last 10yALRS vs FCBC: by the numbers
- •FCBC is the larger company ($903M vs $814M market cap).
- •FCBC trades at the lower trailing earnings multiple (15.10 vs 30.00 P/E), one valuation lens rather than an overall verdict.
- •FCBC converts more revenue to profit (42.71% vs 8.33% net margin).
- •ALRS grew revenue faster over the past five years (5.76% vs 0.33% CAGR).
- •FCBC pays the higher dividend yield (4.72% vs 2.65%).
Metrics side by side
Valuation
| Metric | ALRS | FCBC |
|---|---|---|
| P/E ratio | 30.00 | 15.10 |
| Forward P/E | 10.74 | 15.84 |
| PEG ratio | N/A | 2.71 |
| P/S ratio | 2.45 | 6.51 |
| P/B ratio | 1.40 | 1.68 |
Profitability
| Metric | ALRS | FCBC |
|---|---|---|
| Operating margin | 10.36% | 34.04% |
| Net margin | 8.33% | 42.71% |
| ROE | 4.75% | 10.99% |
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.
First Community Bankshares, 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 | FCBC |
|---|---|---|
| Dividend yield | 2.65% | 4.72% |
| Payout ratio | 79.63% | 71.29% |
Growth (annualized)
| Metric | ALRS | FCBC |
|---|---|---|
| Revenue CAGR (5Y) | 5.76% | 0.33% |
| EPS CAGR (5Y) | -23.13% | 5.66% |
| Total return CAGR (5Y) | 4.67% | 13.71% |
Frequently asked
- Which has the lower trailing P/E, ALRS or FCBC?
- FCBC has the lower trailing P/E: ALRS trades at 30.00 and FCBC at 15.10. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ALRS or FCBC?
- Over the past five years, ALRS grew revenue faster — ALRS at a 5.76% CAGR versus FCBC at 0.33%.
- Does ALRS or FCBC pay a bigger dividend?
- ALRS yields 2.65% and FCBC yields 4.72% based on trailing dividends and the latest price.
- Is ALRS or FCBC more profitable?
- FCBC runs the higher net margin — ALRS at 8.33% versus FCBC at 42.71%.
- How have ALRS and FCBC total returns compared?
- Over the past 10 years, ALRS delivered 9.99% and FCBC delivered 11.51% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Alerus Financial & First Community Bankshares 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.