ALRS vs. CIB

Last updated Jun 4, 2026

ALRS (Alerus Financial Corporation) and CIB (Bancolombia S.A.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, ALRS returned 7.88%/yr vs 14.86%/yr for CIB. At a 0.08 correlation, their price movements are largely independent.

Performance

ALRS vs. CIB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Alerus Financial Corporation (ALRS) and Bancolombia S.A. (CIB). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, ALRS achieves a 25.78% return, which is significantly higher than CIB's 15.61% return. Over the past 10 years, ALRS has underperformed CIB with an annualized return of 7.88%, while CIB has yielded a comparatively higher 14.86% annualized return.

ALRS

• 1D: -2.90%
• 1M: 5.60%
• YTD: 25.78%
• 6M: 29.23%
• 1Y: 38.17%
• 3Y*: 20.92%
• 5Y*: 0.16%
• 10Y*: 7.88%

CIB

• 1D: -2.03%
• 1M: 10.78%
• YTD: 15.61%
• 6M: 14.81%
• 1Y: 69.25%
• 3Y*: 56.54%
• 5Y*: 29.61%
• 10Y*: 14.86%

*Multi-year figures are annualized to reflect compound growth (CAGR)

ALRS vs. CIB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
ALRS Alerus Financial Corporation	25.78%	21.74%	-10.65%	-0.19%	-17.91%	9.23%	23.28%	21.99%	-3.68%	23.28%
CIB Bancolombia S.A.	15.61%	124.16%	13.78%	22.08%	-0.31%	-20.69%	-22.31%	47.45%	-0.72%	11.41%

Correlation

The correlation between ALRS and CIB is 0.07, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.07
Correlation (3Y) Calculated over the trailing 3-year period	0.17
Correlation (5Y) Calculated over the trailing 5-year period	0.20
Correlation (10Y) Calculated over the trailing 10-year period	0.16
Correlation (All Time) Calculated using the full available price history since Jan 3, 2001	0.08

The correlation between ALRS and CIB shifts across timeframes, from 0.07 (1 year) to 0.20 (5 years), reflecting how their relationship changes across market environments.

Fundamentals

EPS ALRS : $1.41 CIB : $29.17K
PE Ratio ALRS : 19.89 CIB : 0.00
PS Ratio ALRS : 2.09 CIB : 0.00
Total Revenue (TTM) ALRS : $258.10M CIB : $43.34T
Gross Profit (TTM) ALRS : $152.77M CIB : $25.71T
EBITDA (TTM) ALRS : $18.50M CIB : $10.37T

Return for Risk

ALRS vs. CIB — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

ALRS

ALRS Risk / Return Rank: 80
ALRS Sharpe Ratio Rank: 81
ALRS Sortino Ratio Rank: 77
ALRS Omega Ratio Rank: 74
ALRS Calmar Ratio Rank: 84
ALRS Martin Ratio Rank: 82

CIB

CIB Risk / Return Rank: 85
CIB Sharpe Ratio Rank: 89
CIB Sortino Ratio Rank: 87
CIB Omega Ratio Rank: 86
CIB Calmar Ratio Rank: 81
CIB Martin Ratio Rank: 81

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

ALRS vs. CIB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Alerus Financial Corporation (ALRS) and Bancolombia S.A. (CIB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	ALRS	CIB	Difference
Sharpe ratio Return per unit of total volatility	1.47	2.19	-0.72
Sortino ratio Return per unit of downside risk	2.16	2.94	-0.79
Omega ratio Gain probability vs. loss probability	1.26	1.37	-0.11
Calmar ratio Return relative to maximum drawdown	3.36	2.91	+0.46
Martin ratio Return relative to average drawdown	7.40	7.30	+0.10
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

ALRS vs. CIB - Sharpe Ratio Comparison

The current ALRS Sharpe Ratio is 1.47, which is lower than the CIB Sharpe Ratio of 2.19. The chart below compares the historical Sharpe Ratios of ALRS and CIB, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	ALRS	CIB	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.47	2.19	-0.72
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.00	0.91	-0.91
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.26	0.42	-0.15
Sharpe Ratio (All Time) Calculated using the full available price history	0.12	0.25	-0.13

Drawdowns

ALRS vs. CIB - Drawdown Comparison

The maximum ALRS drawdown since its inception was -75.49%, smaller than the maximum CIB drawdown of -93.77%. Use the drawdown chart below to compare losses from any high point for ALRS and CIB.

Drawdown Indicators

	ALRS	CIB	Difference
Max Drawdown Largest peak-to-trough decline	-75.49%	-93.77%	+18.28%
Max Drawdown (1Y) Largest decline over 1 year	-11.40%	-23.95%	+12.55%
Max Drawdown (3Y) Largest decline over 3 years	-32.45%	-23.95%	-8.50%
Max Drawdown (5Y) Largest decline over 5 years	-61.66%	-46.85%	-14.81%
Max Drawdown (10Y) Largest decline over 10 years	-61.66%	-70.38%	+8.72%
Current Drawdown Current decline from peak	-10.55%	-13.00%	+2.45%
Average Drawdown Average peak-to-trough decline	-37.95%	-32.63%	-5.32%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.17%	9.52%	-4.35%

Volatility

ALRS vs. CIB - Volatility Comparison

The current volatility for Alerus Financial Corporation (ALRS) is 6.53%, while Bancolombia S.A. (CIB) has a volatility of 12.72%. This indicates that ALRS experiences smaller price fluctuations and is considered to be less risky than CIB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ALRS	CIB	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.53%	12.72%	-6.19%
Volatility (6M) Calculated over the trailing 6-month period	18.02%	26.45%	-8.43%
Volatility (1Y) Calculated over the trailing 1-year period	26.03%	31.72%	-5.69%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	33.04%	32.68%	+0.36%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.13%	35.75%	-5.62%

Dividends

ALRS vs. CIB - Dividend Comparison

ALRS's dividend yield for the trailing twelve months is around 2.99%, more than CIB's 1.69% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ALRS Alerus Financial Corporation	2.99%	3.69%	4.11%	3.35%	3.00%	2.15%	2.19%	2.49%	2.75%	2.35%	2.59%	2.22%
CIB Bancolombia S.A.	1.69%	6.90%	10.96%	10.92%	10.68%	0.87%	4.01%	2.41%	3.62%	3.21%	3.21%	4.49%

Financials

ALRS vs. CIB - Profitability Comparison

The chart below illustrates the profitability comparison between Alerus Financial Corporation and Bancolombia S.A. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

ALRS - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Alerus Financial Corporation reported a gross profit of 0.00 and revenue of 25.52M. Therefore, the gross margin over that period was 0.0%.

CIB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bancolombia S.A. reported a gross profit of 6.19T and revenue of 10.46T. Therefore, the gross margin over that period was 59.2%.

ALRS - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Alerus Financial Corporation reported an operating income of 0.00 and revenue of 25.52M, resulting in an operating margin of 0.0%.

CIB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bancolombia S.A. reported an operating income of 2.15T and revenue of 10.46T, resulting in an operating margin of 20.5%.

ALRS - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Alerus Financial Corporation reported a net income of 22.97M and revenue of 25.52M, resulting in a net margin of 90.0%.

CIB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bancolombia S.A. reported a net income of 1.46T and revenue of 10.46T, resulting in a net margin of 13.9%.

Frequently Asked Questions

Can I hold both ALRS and CIB in my portfolio?

ALRS and CIB have a correlation of 0.07, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, ALRS or CIB?

CIB has higher volatility (12.72%) compared to ALRS (6.53%). In terms of maximum drawdown, ALRS dropped -75.49% vs CIB's -93.77%.

Which has better risk-adjusted returns?

CIB currently has the higher Sharpe Ratio (2.19 vs 1.47), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.