Alpine Banks Colorado (ALPIB) AI Stock Analysis

• Market Cap: $238.64M
• Dividend Yield: 2.84%
• Average Volume (3M): 221.00
• Price to Earnings (P/E): 4.5
• Beta (1Y): 0.05
• Revenue Growth: 8.53%
• EPS Growth: -11.12%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 1.73
• Shares Outstanding: 8,205,218
• 10 Day Avg. Volume: 89
• 30 Day Avg. Volume: 221
• PEG Ratio: 1.16
• Price to Book (P/B): 0.49
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: ―

Alpine Banks Colorado exhibits strong financial fundamentals with robust operational efficiency and capital structure. However, technical indicators suggest the stock is currently in a downward trend with weak momentum. The valuation is attractive due to a low P/E ratio and reasonable dividend yield, offering potential value for long-term investors. The absence of recent corporate events or earnings call data leaves the financial performance and valuation as the primary contributors to the score.

Alpine Banks Colorado Business Overview & Revenue Model

Company Description

Alpine Banks of Colorado operates as the bank holding company for Alpine Bank that provides various banking products and services to individuals and businesses. The company offers checking, savings, money market, health, youth, and individual retirement accounts; and demand deposits and certificates of deposit. It also provides various loan products, such as personal, business, student, vehicle, green, home mortgage, home equity, land and construction, commercial real estate, small business administration, medical, installment, and term loans; letters and lines of credit; and business-ready reserve line of credit, as well as debit and credit cards. In addition, the company offers cash and wealth management, payment processing, lockbox, and remote deposit capture services; and electronic banking services, such as online and mobile banking. Further, it owns commercial buildings. Alpine Banks of Colorado was founded in 1973 and is based in Glenwood Springs, Colorado.

How the Company Makes Money

Alpine Banks Colorado generates revenue primarily through interest income from loans and mortgages, which they provide to individuals and businesses. The bank also earns money from fees associated with banking services, including account maintenance fees, transaction fees, and overdraft charges. Additionally, Alpine Banks Colorado benefits from non-interest income generated by wealth management and investment advisory services. Partnerships with local businesses and community organizations also contribute to their earnings, as they help to expand the bank's reach and customer base in Colorado.

Alpine Banks Colorado Financial Statement Overview

Summary

Alpine Banks Colorado demonstrates a solid financial position with strengths in operational efficiency and capital structure. However, challenges remain in maintaining revenue growth and improving cash flow generation. The income statement, balance sheet, and cash flow all reflect good financial health, but there is room for improvement in profitability and cash flow management.

Income Statement

Alpine Banks Colorado shows a stable revenue base with a slight decline in total revenue over the past year. The gross profit margin remains strong, indicating effective cost management. The net profit margin has decreased slightly, reflecting a reduction in net income. The EBIT margin has improved, showing better operational efficiency. Overall, the income statement reflects a solid financial performance with some areas for improvement in net profitability.

Balance Sheet

The balance sheet of Alpine Banks Colorado is robust, with a favorable debt-to-equity ratio indicating manageable leverage. The equity ratio is strong, showing a solid capital structure. The return on equity is satisfactory but has declined slightly, suggesting a need to improve profitability. The company's asset base has grown steadily, supporting its financial health.

Cash Flow

Cash flow analysis reveals a decrease in operating cash flow, but free cash flow remains positive, which is a good indicator of liquidity. There is a noticeable decline in free cash flow growth, indicating reduced cash generation efficiency. The ratios of operating and free cash flow to net income suggest healthy cash generation relative to reported earnings.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
285.30M	236.78M	242.84M	219.64M	207.52M	198.21M
	Gross Profit
285.30M	240.49M	242.84M	219.64M	207.52M	198.21M
	EBIT
31.33M	128.22M	88.58M	73.26M	62.49M	70.35M
	EBITDA
31.33M	76.29M	96.12M	81.30M	70.59M	78.94M
	Net Income Common Stockholders
47.97M	57.04M	73.35M	59.65M	51.14M	58.02M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	222.85M	920.51M	1.71B	1.10B	444.96M
	Total Assets
0.00	6.42B	6.32B	6.22B	5.18B	3.87B
	Total Debt
0.00	169.18M	297.11M	119.18M	119.18M	69.18M
	Net Debt
0.00	-54.55M	125.47M	-742.59M	-744.93M	-246.05M
	Total Liabilities
0.00	5.95B	5.89B	5.80B	4.80B	3.52B
	Stockholders Equity
297.37M	466.50M	424.60M	418.00M	376.24M	342.44M
Cash Flow		Free Cash Flow
0.00	80.52M	86.42M	80.33M	17.44M	46.45M
	Operating Cash Flow
0.00	91.13M	100.85M	86.31M	27.77M	56.37M
	Investing Cash Flow
0.00	-65.06M	-888.92M	-1.08B	-729.57M	-179.82M
	Financing Cash Flow
0.00	26.01M	97.94M	988.68M	1.25B	69.44M

Alpine Banks Colorado Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 28.28
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ALPIB, the sentiment is Negative. The current price of 28.28 is below the 20-day moving average (MA) of 28.99, below the 50-day MA of 29.74, and below the 200-day MA of 30.75, indicating a bearish trend. The MACD of -0.29 indicates Negative momentum. The RSI at 36.72 is Neutral, neither overbought nor oversold. The STOCH value of 48.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ALPIB.

Alpine Banks Colorado Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SPFI	70 Outperform	$575.60M	11.84	12.00%	1.66%	8.76%	-18.66%
ORRF	68 Neutral	$581.55M	15.19	7.85%	3.29%	75.72%	-41.36%
ALPIB	66 Neutral	$238.64M	4.48	10.69%	2.84%	8.53%	-11.12%
HTBK	66 Neutral	$564.21M	13.44	6.12%	5.68%	5.10%	-24.91%
THFF	65 Neutral	$605.57M	11.04	10.02%	3.76%	16.84%	-1.03%
Sector *	64 Neutral	$12.79B	9.71	7.54%	16971.00%	12.07%	-7.53%
WASH	58 Neutral	$528.38M	12.16	-5.43%	8.18%	-18.44%	-157.94%