Alpine Banks Colorado (ALPIB) AI Stock Analysis

• Market Cap: $536.78M
• Dividend Yield: 2.45%
• Average Volume (3M): 7.29K
• Price to Earnings (P/E): 5.4
• Beta (1Y): 0.05
• Revenue Growth: 6.53%
• EPS Growth: 14.16%
• Country: US
• Employees: 890
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.10
• Shares Outstanding: 8,205,218
• 10 Day Avg. Volume: 7,477
• 30 Day Avg. Volume: 7,290
• PEG Ratio: -0.50
• Price to Book (P/B): 0.56
• Price to Sales (P/S): 0.82
• P/FCF Ratio: 20.16
• Enterprise Value/Market Cap: 0.49
• Enterprise Value/Revenue: 1.50
• Enterprise Value/Gross Profit: 2.13
• Enterprise Value/Ebitda: 7.80
• 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 company is well-positioned in the banking industry, but continued focus on profitability and cash flow management will be crucial for future growth.

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 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	176.66M	347.90M	236.78M	252.57M	226.27M	214.52M
Gross Profit	124.26M	234.07M	236.78M	240.25M	214.41M	195.43M
EBITDA	33.87M	59.80M	76.29M	96.12M	81.30M	70.59M
Net Income	28.10M	49.68M	57.04M	73.35M	59.65M	51.14M
Balance Sheet
Total Assets	6.66B	6.53B	6.42B	6.32B	6.22B	5.18B
Cash, Cash Equivalents and Short-Term Investments	1.13B	0.00	222.85M	920.51M	1.71B	1.10B
Total Debt	119.18M	138.88M	169.18M	297.11M	119.18M	119.18M
Total Liabilities	6.14B	6.03B	5.95B	5.89B	5.80B	4.80B
Stockholders Equity	527.93M	506.39M	466.50M	424.60M	418.00M	376.24M
Cash Flow
Free Cash Flow	0.00	14.10M	80.52M	86.42M	80.33M	17.44M
Operating Cash Flow	0.00	18.96M	91.13M	100.85M	86.31M	27.77M
Investing Cash Flow	0.00	20.45M	-65.06M	-888.92M	-1.08B	-729.57M
Financing Cash Flow	0.00	52.82M	26.01M	97.94M	988.68M	1.25B

Alpine Banks Colorado Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 33.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ALPIB, the sentiment is Positive. The current price of 33.9 is above the 20-day moving average (MA) of 31.88, above the 50-day MA of 30.31, and above the 200-day MA of 30.07, indicating a bullish trend. The MACD of 0.64 indicates Negative momentum. The RSI at 75.91 is Negative, neither overbought nor oversold. The STOCH value of 94.24 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ALPIB.

Alpine Banks Colorado Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNTY	74 Outperform	$473.16M	9.42	17.46%	1.14%	11.38%	36.10%
PFIS	68 Neutral	$456.16M	13.63	8.08%	5.36%	67.70%	39.18%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PGC	67 Neutral	$478.63M	14.89	5.31%	0.74%	7.35%	-2.65%
BHB	66 Neutral	$486.81M	11.35	8.70%	4.13%	2.52%	-5.20%
ALPIB	66 Neutral	$536.78M	5.45	11.58%	2.45%	6.53%	14.16%
NFBK	63 Neutral	$454.06M	12.58	5.02%	4.75%	7.66%	28.75%