THFF vs. ALRS
THFF (First Financial Corporation) and ALRS (Alerus Financial Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, THFF returned 11.16%/yr vs 8.82%/yr for ALRS. At a 0.20 correlation, their price movements are largely independent.
Performance
THFF vs. ALRS - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, THFF achieves a 26.61% return, which is significantly lower than ALRS's 36.09% return. Over the past 10 years, THFF has outperformed ALRS with an annualized return of 11.16%, while ALRS has yielded a comparatively lower 8.82% annualized return.
THFF
- 1D
- 1.46%
- 1M
- 9.54%
- YTD
- 26.61%
- 6M
- 22.62%
- 1Y
- 47.96%
- 3Y*
- 37.42%
- 5Y*
- 15.72%
- 10Y*
- 11.16%
ALRS
- 1D
- 2.08%
- 1M
- 8.31%
- YTD
- 36.09%
- 6M
- 40.00%
- 1Y
- 45.69%
- 3Y*
- 23.38%
- 5Y*
- 2.12%
- 10Y*
- 8.82%
THFF vs. ALRS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
THFF First Financial Corporation | 26.61% | 36.17% | 11.11% | -2.62% | 4.45% | 19.47% | -12.74% | 16.79% | -9.41% | -9.54% |
ALRS Alerus Financial Corporation | 36.09% | 21.74% | -10.65% | -0.19% | -17.91% | 9.23% | 23.28% | 21.99% | -3.68% | 23.28% |
Correlation
The correlation between THFF and ALRS is 0.75, 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 | 0.75 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.71 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.63 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.46 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2001 | 0.20 |
Over the past year, THFF and ALRS have become more correlated (0.75) than their long-term average of 0.20, meaning their price movements have been converging.
Fundamentals
THFF:
$6.80
ALRS:
$1.41
THFF:
11.05
ALRS:
21.52
THFF:
2.78
ALRS:
2.26
THFF:
$320.85M
ALRS:
$258.10M
THFF:
$193.05M
ALRS:
$152.77M
THFF:
$81.43M
ALRS:
$18.50M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
THFF vs. ALRS — Risk / Return Rank
THFF
ALRS
THFF vs. ALRS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for First Financial Corporation (THFF) and Alerus Financial Corporation (ALRS). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| THFF | ALRS | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.03 | ||
| Sortino ratioReturn per unit of downside risk | +0.05 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.30 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 3.66 | 4.03 | -0.37 |
| Martin ratioReturn relative to average drawdown | 9.49 | 8.89 | +0.60 |
Loading charts...
Drawdowns
THFF vs. ALRS - Drawdown Comparison
The maximum THFF drawdown since its inception was -51.80%, smaller than the maximum ALRS drawdown of -75.49%. Use the drawdown chart below to compare losses from any high point for THFF and ALRS.
Loading charts...
Drawdown Indicators
| THFF | ALRS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.80% | -75.49% | +23.69% |
Max Drawdown (1Y)Largest decline over 1 year | -13.18% | -11.40% | -1.78% |
Max Drawdown (3Y)Largest decline over 3 years | -20.25% | -32.45% | +12.20% |
Max Drawdown (5Y)Largest decline over 5 years | -34.92% | -61.66% | +26.74% |
Max Drawdown (10Y)Largest decline over 10 years | -42.73% | -61.66% | +18.93% |
Current DrawdownCurrent decline from peak | 0.00% | -3.22% | +3.22% |
Average DrawdownAverage peak-to-trough decline | -16.56% | -37.88% | +21.32% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.07% | 5.15% | -0.08% |
Volatility
THFF vs. ALRS - Volatility Comparison
First Financial Corporation (THFF) has a higher volatility of 7.32% compared to Alerus Financial Corporation (ALRS) at 6.20%. This indicates that THFF's price experiences larger fluctuations and is considered to be riskier than ALRS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| THFF | ALRS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.32% | 6.20% | +1.12% |
Volatility (6M)Calculated over the trailing 6-month period | 18.50% | 17.78% | +0.72% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.99% | 26.04% | +0.95% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 26.36% | 32.92% | -6.56% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 29.24% | 30.16% | -0.92% |
Dividends
THFF vs. ALRS - Dividend Comparison
THFF's dividend yield for the trailing twelve months is around 2.85%, more than ALRS's 2.76% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ALRS Alerus Financial Corporation | 2.76% | 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 | 2.85% | 3.38% | 2.92% | 4.02% | 2.54% | 2.34% | 2.68% | 2.25% | 2.54% | 5.51% | 1.88% | 2.88% |
Financials
THFF vs. ALRS - Financials Comparison
This section allows you to compare key financial metrics between First Financial Corporation and Alerus 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
THFF vs. ALRS - Profitability Comparison
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 - 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 - 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 - 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 - 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%.
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%.
Frequently Asked Questions
THFF and ALRS have a correlation of 0.75, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
THFF has higher volatility (7.32%) compared to ALRS (6.20%). In terms of maximum drawdown, THFF dropped -51.80% vs ALRS's -75.49%.
THFF currently has the higher Sharpe Ratio (1.80 vs 1.77), 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.
Find the right allocation for THFF and ALRS
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer