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Alpine Banks Colorado
(OTC:ALPIB)
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Rating:74Outperform
Price Target:
$52.00
â–²(28.08% Upside)
Action:Reiterated
Date:02/19/26
The score is driven primarily by solid financial performance (revenue growth and a 2025 profitability rebound, tempered by margin compression versus 2021–2022 and volatile cash flows). Valuation is supportive with a low P/E and a modest dividend. Technicals show strong momentum, but extremely overbought readings (RSI/Stoch) add near-term pullback risk.
Positive Factors
Revenue Growth
Consistent multi-year revenue growth with a clear step-up in 2025 indicates durable demand and expanding franchise scale. That persistent top-line traction improves forecasting, supports operating leverage over time, and underpins longer-term earnings power and capital deployment choices.
Negative Factors
Margin Compression
Persistent margin shortfall versus the 2021–2022 peak suggests structural pressure on profitability (pricing, funding or mix changes). Lower margin baselines can cap return expansion, reduce free cash flow potential, and limit the upside from revenue growth absent margin recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent multi-year revenue growth with a clear step-up in 2025 indicates durable demand and expanding franchise scale. That persistent top-line traction improves forecasting, supports operating leverage over time, and underpins longer-term earnings power and capital deployment choices.
Read all positive factors
Alpine Banks Colorado (ALPIB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$765.41M
Dividend Yield2.06%
Average Volume (3M)7.30K
Price to Earnings (P/E)10.1
Beta (1Y)<0.01
Revenue Growth8.63%
EPS Growth-26.26%
CountryUS
Employees890
SectorFinancial
Sector Strength70
IndustryBanks
Share Statistics
EPS (TTM)4.75
Shares Outstanding8,937,309
10 Day Avg. Volume6,781
30 Day Avg. Volume7,301
Financial Highlights & Ratios
PEG Ratio-0.34
Price to Book (P/B)1.08
Price to Sales (P/S)1.72
P/FCF Ratio7.92
Enterprise Value/Market Cap0.14
Enterprise Value/Revenue0.28
Enterprise Value/Gross Profit0.38
Enterprise Value/Ebitda1.16
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
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 maintenan...
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 | 382.60M | 370.93M | 347.90M | 320.54M | 252.57M | 226.27M |
| Gross Profit | 283.90M | 271.49M | 234.07M | 236.78M | 240.25M | 214.41M |
| EBITDA | 92.92M | 85.41M | 59.80M | 76.29M | 96.12M | 81.30M |
| Net Income | 76.11M | 70.23M | 49.68M | 57.04M | 73.35M | 59.65M |
Balance Sheet | ||||||
| Total Assets | 6.79B | 6.85B | 6.53B | 6.42B | 6.32B | 6.22B |
| Cash, Cash Equivalents and Short-Term Investments | 422.69M | 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 | 6.18B | 6.27B | 6.03B | 5.95B | 5.89B | 5.80B |
| Stockholders Equity | 604.01M | 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 Technical Analysis
Positive
40.60
Price Trends
47.21
Positive
47.68
Positive
42.56
Positive
Market Momentum
0.28
Negative
60.95
Neutral
95.39
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 40.6 is below the 20-day moving average (MA) of 47.50, below the 50-day MA of 47.21, and below the 200-day MA of 42.56, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 60.95 is Neutral, neither overbought nor oversold. The STOCH value of 95.39 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $818.94M | 18.60 | 6.68% | 0.70% | 10.61% | 37.65% | |
79 Outperform | $569.02M | 9.48 | 17.87% | 1.08% | 15.59% | 39.40% | |
75 Outperform | $665.92M | 11.31 | 11.50% | 4.97% | 11.09% | 175.21% | |
74 Outperform | $765.41M | 10.09 | 13.22% | 2.06% | 8.63% | -26.26% | |
70 Outperform | $622.81M | 15.23 | 7.81% | 3.92% | 10.98% | -14.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $607.25M | 121.83 | 0.68% | 4.38% | 6.67% | -84.79% |
* Financial Sector Average
ALPIB
Alpine Banks Colorado
47.95
20.79
76.55%
BHB
Bar Harbor Bankshares
37.47
7.88
26.64%
NFBK
Northfield Bancorp
14.62
3.77
34.71%
PGC
Peapack-Gladstone Financial
46.31
17.29
59.59%
UNTY
Unity Bancorp
57.35
6.09
11.88%
PFIS
Peoples Financial Services
66.71
17.95
36.80%
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.