Alerus Financial Corporation (ALRS) vs Financial Institutions, Inc. (FISI)
A side-by-side comparison of Alerus Financial Corporation and Financial Institutions, 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 FISI
growth of $100 · dividends reinvested · last 10yALRS vs FISI: by the numbers
- •ALRS is the larger company ($815M vs $773M market cap).
- •FISI trades at the lower trailing earnings multiple (9.71 vs 30.02 P/E), one valuation lens rather than an overall verdict.
- •FISI converts more revenue to profit (26.18% vs 8.33% net margin).
- •FISI grew revenue faster over the past five years (8.78% vs 5.76% CAGR).
- •FISI pays the higher dividend yield (3.20% vs 2.65%).
Metrics side by side
Valuation
| Metric | ALRS | FISI |
|---|---|---|
| P/E ratio | 30.02 | 9.71 |
| Forward P/E | 10.75 | 9.37 |
| PEG ratio | N/A | 1.03 |
| P/S ratio | 2.45 | 2.45 |
| P/B ratio | 1.40 | 1.23 |
Profitability
| Metric | ALRS | FISI |
|---|---|---|
| Operating margin | 10.36% | 24.17% |
| Net margin | 8.33% | 26.18% |
| ROE | 4.75% | 12.84% |
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.
Financial Institutions, 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 | FISI |
|---|---|---|
| Dividend yield | 2.65% | 3.20% |
| Payout ratio | 79.63% | 31.44% |
Growth (annualized)
| Metric | ALRS | FISI |
|---|---|---|
| Revenue CAGR (5Y) | 5.76% | 8.78% |
| EPS CAGR (5Y) | -23.13% | 9.68% |
| Total return CAGR (5Y) | 4.67% | 10.04% |
Frequently asked
- Which has the lower trailing P/E, ALRS or FISI?
- FISI has the lower trailing P/E: ALRS trades at 30.02 and FISI at 9.71. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ALRS or FISI?
- Over the past five years, FISI grew revenue faster — ALRS at a 5.76% CAGR versus FISI at 8.78%.
- Does ALRS or FISI pay a bigger dividend?
- ALRS yields 2.65% and FISI yields 3.20% based on trailing dividends and the latest price.
- Is ALRS or FISI more profitable?
- FISI runs the higher net margin — ALRS at 8.33% versus FISI at 26.18%.
- How have ALRS and FISI total returns compared?
- Over the past 10 years, ALRS delivered 9.99% and FISI delivered 8.47% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Alerus Financial & Financial Institutions 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.