Alpine Banks Colorado (ALPIB) AI Stock Analysis

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Alpine Banks Colorado

(Other OTC:ALPIB)

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Rating:70.2Outperform

Price Target:$53.00▲(10.08% Upside)

Action:reiterated

Date:11/07/26

Strong profitability and balance-sheet fundamentals are the primary strengths. Attractive valuation supports the outlook, but volatile cash flow and mixed-to-weak technical momentum reduce the overall score.

Positive Factors

Steady Revenue GrowthSteady revenue expansion indicates continued demand for Alpine Bank’s consumer, commercial, and related banking services. A multi-year growth pattern provides a durable foundation for earnings, supports operating scale, and strengthens the company’s ability to reinvest in its local-market franchise.

Negative Factors

Margin Compression Since PeakMargins remaining below their 2021–2022 highs suggest that the recent earnings recovery has not fully restored prior profitability levels. Continued compression could limit earnings growth even if revenue expands, reduce the benefit of operating scale, and constrain capital available for lending or strategic investment.

Alpine Banks Colorado (ALPIB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $394.55M
Dividend Yield: 1.91%
Average Volume (3M): 2,575
Price to Earnings (P/E): 9.6
Beta (1Y): 0.04
Revenue Growth: 8.64%
EPS Growth: -11.49%
Country: US
Employees: 890
Sector: Financial
Sector Strength: 68
Industry: Banks

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 ban...

How the Company Makes Money

Alpine Banks of Colorado primarily makes money through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—primarily...

Alpine Banks Colorado Financial Statement Overview

Summary

Strong profitability and balance-sheet quality support the score, with revenue growth, 19% net margins, improved debt-to-equity of 0.25, and 12% ROE. Cash-flow volatility and weaker 2024 conversion temper the result.

Income Statement

82Very Positive

Balance Sheet

88Very Positive

Cash Flow

65Positive

Financial statement breakdown
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	80.53M	14.10M	80.52M	86.42M	80.33M
Operating Cash Flow	0	85.76M	18.96M	91.13M	100.85M	86.31M
Investing Cash Flow	0	-179.61M	20.45M	-65.06M	-888.92M	-1.08B
Financing Cash Flow	0	234.08M	52.82M	26.01M	97.94M	988.68M

Alpine Banks Colorado Technical Analysis

Technical Analysis SentimentNegative

Last Price48.15

Price Trends

50DMA48.53Negative

100DMA48.68Negative

200DMA47.64Positive

Market Momentum

MACD-0.09Negative

RSI46.16Neutral

STOCH87.56Negative

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 48.15 is above the 20-day moving average (MA) of 48.11, below the 50-day MA of 48.53, and above the 200-day MA of 47.64, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 46.16 is Neutral, neither overbought nor oversold. The STOCH value of 87.56 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ALPIB.

Alpine Banks Colorado Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

ALPIB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFIS	81Outperform	$726.55M	11.95	11.49%	3.44%	3.57%	13.68%
BHB	80Outperform	$692.94M	12.29	10.50%	3.18%	15.90%	45.08%
PGC	76Outperform	$819.07M	13.54	8.72%	0.43%	11.27%	75.53%
UNTY	76Outperform	$586.23M	9.51	16.83%	1.09%	9.90%	14.13%
ALPIB	70Outperform	$769.88M	9.65	14.26%	1.91%	8.64%	-11.49%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

* Financial Sector Average

Performance Comparison

ALPIB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
ALPIB	Alpine Banks Colorado Class B	48.15	12.85	36.42%
BHB	Bar Harbor Bankshares	41.53	13.03	45.72%
PGC	Peapack-gladstone Financial	46.29	20.39	78.70%
UNTY	Unity Bancorp	58.50	10.50	21.89%
PFIS	Peoples Financial Services Corp.	72.44	27.04	59.55%

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.

Date of analysis: Nov 04, 2026

Alpine Banks Colorado AI Stock Analysis