ALRS vs. OZK

Last updated Jun 4, 2026

ALRS (Alerus Financial Corporation) and OZK (Bank OZK) 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 5.38%/yr for OZK. At a 0.23 correlation, their price movements are largely independent.

Performance

ALRS vs. OZK - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Alerus Financial Corporation (ALRS) and Bank OZK (OZK). 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 OZK's 5.71% return. Over the past 10 years, ALRS has outperformed OZK with an annualized return of 7.88%, while OZK has yielded a comparatively lower 5.38% 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%

OZK

• 1D: -1.71%
• 1M: -0.40%
• YTD: 5.71%
• 6M: 4.28%
• 1Y: 9.90%
• 3Y*: 11.58%
• 5Y*: 5.22%
• 10Y*: 5.38%

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

ALRS vs. OZK - 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%
OZK Bank OZK	5.71%	7.45%	-7.36%	29.12%	-11.24%	53.15%	7.57%	38.23%	-52.03%	-6.51%

Correlation

The correlation between ALRS and OZK is 0.60, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.60
Correlation (3Y) Calculated over the trailing 3-year period	0.64
Correlation (5Y) Calculated over the trailing 5-year period	0.59
Correlation (10Y) Calculated over the trailing 10-year period	0.43
Correlation (All Time) Calculated using the full available price history since Jan 3, 2001	0.23

Over the past year, ALRS and OZK have become more correlated (0.60) than their long-term average of 0.23, meaning their price movements have been converging.

Fundamentals

EPS ALRS : $1.41 OZK : $6.28
PE Ratio ALRS : 19.89 OZK : 7.60
PS Ratio ALRS : 2.09 OZK : 1.92
Total Revenue (TTM) ALRS : $258.10M OZK : $2.80B
Gross Profit (TTM) ALRS : $152.77M OZK : $1.56B
EBITDA (TTM) ALRS : $18.50M OZK : $992.96M

Return for Risk

ALRS vs. OZK — 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

OZK

OZK Risk / Return Rank: 51
OZK Sharpe Ratio Rank: 55
OZK Sortino Ratio Rank: 46
OZK Omega Ratio Rank: 45
OZK Calmar Ratio Rank: 53
OZK Martin Ratio Rank: 53

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. OZK - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Alerus Financial Corporation (ALRS) and Bank OZK (OZK). 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	OZK	Difference
Sharpe ratio Return per unit of total volatility	1.47	0.40	+1.07
Sortino ratio Return per unit of downside risk	2.16	0.72	+1.44
Omega ratio Gain probability vs. loss probability	1.26	1.09	+0.17
Calmar ratio Return relative to maximum drawdown	3.36	0.52	+2.84
Martin ratio Return relative to average drawdown	7.40	1.12	+6.28
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. OZK - Sharpe Ratio Comparison

The current ALRS Sharpe Ratio is 1.47, which is higher than the OZK Sharpe Ratio of 0.40. The chart below compares the historical Sharpe Ratios of ALRS and OZK, 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	OZK	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.47	0.40	+1.07
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.00	0.15	-0.15
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.26	0.14	+0.12
Sharpe Ratio (All Time) Calculated using the full available price history	0.12	0.57	-0.44

Drawdowns

ALRS vs. OZK - Drawdown Comparison

The maximum ALRS drawdown since its inception was -75.49%, which is greater than OZK's maximum drawdown of -70.41%. Use the drawdown chart below to compare losses from any high point for ALRS and OZK.

Drawdown Indicators

	ALRS	OZK	Difference
Max Drawdown Largest peak-to-trough decline	-75.49%	-70.41%	-5.08%
Max Drawdown (1Y) Largest decline over 1 year	-11.40%	-19.03%	+7.63%
Max Drawdown (3Y) Largest decline over 3 years	-32.45%	-29.23%	-3.22%
Max Drawdown (5Y) Largest decline over 5 years	-61.66%	-35.26%	-26.40%
Max Drawdown (10Y) Largest decline over 10 years	-61.66%	-70.41%	+8.75%
Current Drawdown Current decline from peak	-10.55%	-7.62%	-2.93%
Average Drawdown Average peak-to-trough decline	-37.95%	-15.64%	-22.31%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.17%	8.88%	-3.71%

Volatility

ALRS vs. OZK - Volatility Comparison

Alerus Financial Corporation (ALRS) has a higher volatility of 6.53% compared to Bank OZK (OZK) at 5.84%. This indicates that ALRS's price experiences larger fluctuations and is considered to be riskier than OZK based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ALRS	OZK	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.53%	5.84%	+0.69%
Volatility (6M) Calculated over the trailing 6-month period	18.02%	16.25%	+1.77%
Volatility (1Y) Calculated over the trailing 1-year period	26.03%	24.79%	+1.24%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	33.04%	34.69%	-1.65%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.13%	38.98%	-8.85%

Dividends

ALRS vs. OZK - Dividend Comparison

ALRS's dividend yield for the trailing twelve months is around 2.99%, less than OZK's 3.81% 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%
OZK Bank OZK	3.81%	3.78%	3.55%	2.85%	3.15%	2.43%	3.45%	3.08%	3.48%	1.47%	1.20%	1.11%

Financials

ALRS vs. OZK - Profitability Comparison

The chart below illustrates the profitability comparison between Alerus Financial Corporation and Bank OZK 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%.

OZK - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bank OZK reported a gross profit of 376.15M and revenue of 661.55M. Therefore, the gross margin over that period was 56.9%.

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%.

OZK - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bank OZK reported an operating income of 211.61M and revenue of 661.55M, resulting in an operating margin of 32.0%.

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%.

OZK - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bank OZK reported a net income of 163.36M and revenue of 661.55M, resulting in a net margin of 24.7%.

Frequently Asked Questions

Can I hold both ALRS and OZK in my portfolio?

ALRS and OZK have a correlation of 0.60, 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 OZK?

ALRS has higher volatility (6.53%) compared to OZK (5.84%). In terms of maximum drawdown, ALRS dropped -75.49% vs OZK's -70.41%.

Which has better risk-adjusted returns?

ALRS currently has the higher Sharpe Ratio (1.47 vs 0.40), 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.