ALRS vs HRTG

Comparison between Alerus Financial Corp (ALRS, Company) and Heritage Insurance Holdings Inc (HRTG, Company).

Both ALRS and HRTG are from the Financial Services sector.

5-Year PerformanceHRTG has outperformed ALRS, delivering a return of +27.5% compared to +5.9%

ALRS vs HRTG - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ALRS(COMPANY)	HRTG(COMPANY)
Market Cap	$799M	$796M
Max Drawdown	76.00%	95.13%
Sharpe Ratio	1.68	0.61
5Y Beta	0.79	0.48
Industry	Banks - Regional	Insurance - Property & Casualty
P/E Ratio	29.48	4.01
PEG Ratio	0.00	0.03
Dividend Yield	2.69%	N/A
5Y Dividends CAGR	11.69%	0.00%
5Y EPS CAGR	-19.52%	N/A
Debt to Equity	45.10%	14.91%
Free Cash Flow Yield	9.89%	24.93%
P/S Ratio	3.32	0.98
P/B Ratio	1.37	1.65

Market Cap

Winner

ALRS

$799M

HRTG

$796M

Max Drawdown

Winner

ALRS

76.00%

HRTG

95.13%

Sharpe Ratio

Winner

ALRS

1.68

HRTG

0.61

5Y Beta

ALRS

0.79

Winner

HRTG

0.48

Industry

ALRS

Banks - Regional

HRTG

Insurance - Property & Casualty

P/E Ratio

ALRS

29.48

Winner

HRTG

4.01

PEG Ratio

Winner

ALRS

0.00

HRTG

0.03

Dividend Yield

ALRS

2.69%

HRTG

N/A

5Y Dividends CAGR

Winner

ALRS

11.69%

HRTG

0.00%

5Y EPS CAGR

ALRS

-19.52%

HRTG

N/A

Debt to Equity

ALRS

45.10%

Winner

HRTG

14.91%

Free Cash Flow Yield

ALRS

9.89%

Winner

HRTG

24.93%

P/S Ratio

ALRS

3.32

Winner

HRTG

0.98

P/B Ratio

Winner

ALRS

1.37

HRTG

1.65

ALRS vs HRTG - Historical Returns

Returns include dividend reinvestment.

Period	ALRS	HRTG
1 month	+9.34%	+15.13%
3 months	+30.98%	-2.67%
6 months	+38.33%	+1.68%
1 year	+52.35%	+22.74%
5 years(CAGR)	+5.93%	+27.47%
10 years(CAGR)	+9.66%	+9.28%
Max(CAGR)	+9.62%	+8.43%

ALRS

+9.34%

Winner

HRTG

+15.13%

Winner

ALRS

+30.98%

HRTG

-2.67%

Winner

ALRS

+38.33%

HRTG

+1.68%

Winner

ALRS

+52.35%

HRTG

+22.74%

5Y(CAGR)

ALRS

+5.93%

Winner

HRTG

+27.47%

10Y(CAGR)

Winner

ALRS

+9.66%

HRTG

+9.28%

Max(CAGR)

Winner

ALRS

+9.62%

HRTG

+8.43%

ALRS vs HRTG - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	ALRS	HRTG
2026	+47.51%	-2.64%
2025	+22.37%	+139.44%
2024	-9.41%	+87.89%
2023	+3.46%	+252.43%
2022	-17.64%	-68.65%
2021	+12.65%	-41.81%
2020	+25.20%	-21.15%
2019	+17.70%	-9.90%
2018	-4.84%	-15.53%
2017	+20.08%	+14.64%
2016	-7.01%	-23.76%
2015	-5.84%	+11.63%
2014	+20.34%	+68.96%
2013	+68.66%	N/A
2012	+25.48%	N/A
2011	+1.76%	N/A
2010	+13.98%	N/A
2009	-3.42%	N/A
2008	-26.66%	N/A
2007	-8.14%	N/A
2006	+31.91%	N/A
2005	+22.43%	N/A
2004	-17.89%	N/A
2003	+6.76%	N/A
2002	+17.30%	N/A
2001	+32.93%	N/A

ALRS vs HRTG Drawdown Comparison

The maximum drawdown for ALRS was -75.49%, occurring on Apr 9, 2001. Recovery took 2732 trading sessions.

The maximum drawdown for HRTG was -94.36%, occurring on Oct 20, 2022. Recovery took 2466 trading sessions.

The current HRTG drawdown is -14.71%.

Rank	ALRS	HRTG
#1	-75.49% Mar 21, 2001 - Jan 31, 2012	-94.36% Jul 17, 2015 - May 7, 2025
#2	-61.65% Nov 5, 2021 - Jul 1, 2026	-32.95% Nov 14, 2025 - Jun 3, 2026
#3	-57.57% Jan 31, 2012 - Apr 1, 2014	-26.90% May 9, 2025 - Sep 19, 2025
#4	-39.52% Jul 12, 2018 - Nov 16, 2020	-19.47% Sep 19, 2025 - Nov 7, 2025
#5	-21.77% Mar 19, 2021 - Nov 3, 2021	-11.87% Mar 11, 2015 - Jun 30, 2015
#6	-21.19% Jan 12, 2021 - Mar 8, 2021	-11.09% Nov 5, 2014 - Dec 9, 2014
#7	-20.95% Sep 16, 2015 - Aug 2, 2017	-10.65% Jul 1, 2014 - Oct 21, 2014
#8	-14.70% Apr 1, 2014 - Sep 15, 2014	-5.07% Dec 23, 2014 - Feb 5, 2015
#9	-13.11% Sep 17, 2014 - Sep 16, 2015	-5.00% Dec 9, 2014 - Dec 22, 2014
#10	-7.69% Dec 18, 2020 - Jan 7, 2021	-4.26% Jun 20, 2014 - Jul 1, 2014
#11	-6.58% Jan 2, 2001 - Jan 30, 2001	-3.08% Jun 9, 2014 - Jun 11, 2014
#12	-5.49% Nov 16, 2020 - Dec 7, 2020	-2.63% Jul 6, 2015 - Jul 14, 2015
#13	-5.13% Jan 30, 2001 - Mar 21, 2001	-2.13% Nov 7, 2025 - Nov 12, 2025
#14	-3.87% Jul 1, 2026 - Jul 15, 2026	-1.90% Mar 6, 2015 - Mar 11, 2015
#15	-3.56% Mar 12, 2021 - Mar 19, 2021	-1.79% Oct 21, 2014 - Oct 24, 2014

Correlation

Correlation between ALRS and HRTG is 0.08 which considered as a very weak or no correlation - the stocks move independently of each other.

0.08

-101

Dividend Comparison (2001 - 2026)

ALRS vs HRTG dividend yield comparison.

Year	ALRS	HRTG
2026	1.32%	0.00%
2025	3.69%	0.00%
2024	4.11%	0.00%
2023	3.35%	0.00%
2022	3.00%	6.67%
2021	2.15%	4.08%
2020	2.19%	2.37%
2019	2.49%	1.81%
2018	2.75%	1.63%
2017	2.35%	1.33%
2016	2.59%	1.47%
2015	2.22%	0.23%
2014	1.94%	0.00%
2013	2.00%	0.00%
2012	3.03%	0.00%
2011	1.76%	0.00%
2010	2.70%	0.00%
2009	3.91%	0.00%
2008	3.38%	0.00%
2007	2.18%	0.00%
2006	1.78%	0.00%
2005	2.09%	0.00%
2004	2.80%	0.00%
2003	4.03%	0.00%
2002	2.28%	0.00%
2001	3.18%	0.00%