ALRS vs. THFF
ALRS (Alerus Financial Corporation) and THFF (First Financial Corporation) 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 9.58%/yr for THFF. At a 0.20 correlation, their price movements are largely independent.
Performance
ALRS vs. THFF - Performance Comparison
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Returns By Period
In the year-to-date period, ALRS achieves a 25.78% return, which is significantly higher than THFF's 13.96% return. Over the past 10 years, ALRS has underperformed THFF with an annualized return of 7.88%, while THFF has yielded a comparatively higher 9.58% 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%
THFF
- 1D
- -2.73%
- 1M
- 3.26%
- YTD
- 13.96%
- 6M
- 13.79%
- 1Y
- 36.30%
- 3Y*
- 29.72%
- 5Y*
- 12.23%
- 10Y*
- 9.58%
ALRS vs. THFF - 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% |
THFF First Financial Corporation | 13.96% | 36.17% | 11.11% | -2.62% | 4.45% | 19.47% | -12.74% | 16.79% | -9.41% | -9.54% |
Correlation
The correlation between ALRS and THFF is 0.74, 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 | 0.74 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.71 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.62 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.46 |
Correlation (All Time) Calculated using the full available price history since Jan 3, 2001 | 0.20 |
Over the past year, ALRS and THFF have become more correlated (0.74) than their long-term average of 0.20, meaning their price movements have been converging.
Fundamentals
ALRS:
$1.41
THFF:
$6.80
ALRS:
19.89
THFF:
9.95
ALRS:
2.09
THFF:
2.50
ALRS:
$258.10M
THFF:
$320.85M
ALRS:
$152.77M
THFF:
$193.05M
ALRS:
$18.50M
THFF:
$81.43M
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Return for Risk
ALRS vs. THFF — Risk / Return Rank
ALRS
THFF
ALRS vs. THFF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Alerus Financial Corporation (ALRS) and First Financial Corporation (THFF). 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 | THFF | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.47 | 1.36 | +0.11 |
Sortino ratioReturn per unit of downside risk | 2.16 | 2.04 | +0.12 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.24 | +0.02 |
Calmar ratioReturn relative to maximum drawdown | 3.36 | 2.77 | +0.60 |
Martin ratioReturn relative to average drawdown | 7.40 | 7.16 | +0.24 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| ALRS | THFF | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.47 | 1.36 | +0.11 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.00 | 0.47 | -0.46 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.26 | 0.33 | -0.07 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.12 | 0.27 | -0.14 |
Drawdowns
ALRS vs. THFF - Drawdown Comparison
The maximum ALRS drawdown since its inception was -75.49%, which is greater than THFF's maximum drawdown of -51.80%. Use the drawdown chart below to compare losses from any high point for ALRS and THFF.
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Drawdown Indicators
| ALRS | THFF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -75.49% | -51.80% | -23.69% |
Max Drawdown (1Y)Largest decline over 1 year | -11.40% | -13.18% | +1.78% |
Max Drawdown (3Y)Largest decline over 3 years | -32.45% | -20.25% | -12.20% |
Max Drawdown (5Y)Largest decline over 5 years | -61.66% | -34.92% | -26.74% |
Max Drawdown (10Y)Largest decline over 10 years | -61.66% | -42.73% | -18.93% |
Current DrawdownCurrent decline from peak | -10.55% | -2.98% | -7.57% |
Average DrawdownAverage peak-to-trough decline | -37.95% | -16.59% | -21.36% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.17% | 5.09% | +0.08% |
Volatility
ALRS vs. THFF - Volatility Comparison
The current volatility for Alerus Financial Corporation (ALRS) is 6.53%, while First Financial Corporation (THFF) has a volatility of 6.97%. This indicates that ALRS experiences smaller price fluctuations and is considered to be less risky than THFF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ALRS | THFF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.53% | 6.97% | -0.44% |
Volatility (6M)Calculated over the trailing 6-month period | 18.02% | 18.31% | -0.29% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.03% | 26.76% | -0.73% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 33.04% | 26.43% | +6.61% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 30.13% | 29.20% | +0.93% |
Dividends
ALRS vs. THFF - Dividend Comparison
ALRS's dividend yield for the trailing twelve months is around 2.99%, less than THFF's 3.17% 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% |
THFF First Financial Corporation | 3.17% | 3.38% | 2.92% | 4.02% | 2.54% | 2.34% | 2.68% | 2.25% | 2.54% | 5.51% | 1.88% | 2.88% |
Financials
ALRS vs. THFF - Financials Comparison
This section allows you to compare key financial metrics between Alerus Financial Corporation and First Financial Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ALRS vs. THFF - Profitability Comparison
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%.
THFF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, First Financial Corporation reported a gross profit of 0.00 and revenue of 77.95M. Therefore, the gross margin over that period was 0.0%.
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%.
THFF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, First Financial Corporation reported an operating income of 0.00 and revenue of 77.95M, resulting in an operating margin of 0.0%.
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%.
THFF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, First Financial Corporation reported a net income of 19.80M and revenue of 77.95M, resulting in a net margin of 25.4%.
Frequently Asked Questions
ALRS and THFF have a correlation of 0.74, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
THFF has higher volatility (6.97%) compared to ALRS (6.53%). In terms of maximum drawdown, ALRS dropped -75.49% vs THFF's -51.80%.
ALRS currently has the higher Sharpe Ratio (1.47 vs 1.36), 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.
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