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Alpine Banks Colorado
(OTC:ALPIB)
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Rating:72Outperform
Price Target:
$56.00
â–²(12.45% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by solid financial performance (rebounding profitability and improving leverage) and supportive valuation (low P/E with a dividend). Technicals are positive but capped by overbought readings, and cash flow volatility remains a key risk despite stronger 2025 cash generation.
Positive Factors
Revenue and profit rebound
Consistent revenue growth from 2020–2025 and a clear profitability rebound in 2025 indicate improving underlying demand and operating leverage. This durable improvement supports stronger earnings power, better cash generation and a firmer base for capital returns or reinvestment over the next several quarters.
Negative Factors
Volatile cash flow history
Intermittent swings in operating and free cash flow reduce predictability of internal funding for loans, dividends, and debt paydown. This volatility raises the risk that one-off positive years may not persist, complicating capital planning and increasing reliance on external funding in weaker periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profit rebound
Consistent revenue growth from 2020–2025 and a clear profitability rebound in 2025 indicate improving underlying demand and operating leverage. This durable improvement supports stronger earnings power, better cash generation and a firmer base for capital returns or reinvestment over the next several quarters.
Read all positive factors
Alpine Banks Colorado (ALPIB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$798.14M
Dividend Yield1.8%
Average Volume (3M)4.26K
Price to Earnings (P/E)10.2
Beta (1Y)0.05
Revenue Growth8.76%
EPS Growth-20.19%
CountryUS
Employees890
SectorFinancial
Sector Strength70
IndustryBanks
Share Statistics
EPS (TTM)4.90
Shares Outstanding8,937,309
10 Day Avg. Volume2,377
30 Day Avg. Volume4,264
Financial Highlights & Ratios
PEG Ratio-0.34
Price to Book (P/B)1.08
Price to Sales (P/S)1.72
P/FCF Ratio7.91
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Alpine Banks Colorado Business Overview & Revenue Model
Company Description
Alpine Banks of Colorado operates as a bank holding company. It provides banking services to individuals and businesses. The firm offers saving accounts, loans, credit cards, online banking, business savings, public funds, retirement plan, mobile ...
How the Company Makes Money
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Alpine Banks Colorado Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 388.71M | 370.93M | 347.90M | 320.54M | 252.57M | 226.27M |
| Gross Profit | 289.89M | 271.49M | 234.07M | 236.78M | 240.25M | 214.41M |
| EBITDA | 95.82M | 85.41M | 59.80M | 76.29M | 96.12M | 81.30M |
| Net Income | 78.39M | 70.23M | 49.68M | 57.04M | 73.35M | 59.65M |
Balance Sheet | ||||||
| Total Assets | 6.69B | 6.85B | 6.53B | 6.42B | 6.32B | 6.22B |
| Cash, Cash Equivalents and Short-Term Investments | 286.15M | 1.20B | 1.04B | 925.94M | 920.51M | 1.71B |
| Total Debt | 144.18M | 144.18M | 138.88M | 169.18M | 303.88M | 128.26M |
| Total Liabilities | 6.07B | 6.27B | 6.03B | 5.95B | 5.89B | 5.80B |
| Stockholders Equity | 617.62M | 587.69M | 506.39M | 466.50M | 424.60M | 418.00M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 80.53M | 14.10M | 80.52M | 86.42M | 80.33M |
| Operating Cash Flow | 0.00 | 85.76M | 18.96M | 91.13M | 100.85M | 86.31M |
| Investing Cash Flow | 0.00 | -179.61M | 20.45M | -65.06M | -888.92M | -1.08B |
| Financing Cash Flow | 0.00 | 234.08M | 52.82M | 26.01M | 97.94M | 988.68M |
Alpine Banks Colorado Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $677.18M | 13.60 | 9.22% | 3.27% | 18.94% | 14.83% | |
75 Outperform | $719.04M | 12.65 | 10.86% | 3.47% | 0.41% | 68.29% | |
72 Outperform | $798.14M | 10.20 | 13.19% | 1.80% | 8.76% | -20.19% | |
71 Outperform | $602.15M | 10.25 | 16.64% | 1.07% | 10.15% | 16.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $822.22M | 15.83 | 7.65% | 0.43% | 10.63% | 59.91% |
* Financial Sector Average
ALPIB
Alpine Banks Colorado
50.00
20.26
68.12%
BHB
Bar Harbor Bankshares
40.39
9.50
30.73%
PGC
Peapack-Gladstone Financial
46.38
17.49
60.56%
UNTY
Unity Bancorp
59.96
7.83
15.03%
PFIS
Peoples Financial Services
71.83
21.42
42.48%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.