Alpine Banks Colorado (ALPIB) AI Stock Analysis

• Market Cap: $768.87M
• Dividend Yield: 2.06%
• Average Volume (3M): 7.30K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 0.04
• Revenue Growth: 6.53%
• EPS Growth: 14.16%
• Country: US
• Employees: 890
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.24
• Shares Outstanding: 8,205,218
• 10 Day Avg. Volume: 6,781
• 30 Day Avg. Volume: 7,301
• PEG Ratio: -0.34
• Price to Book (P/B): 1.08
• Price to Sales (P/S): 1.72
• P/FCF Ratio: 7.92
• Enterprise Value/Market Cap: 0.11
• Enterprise Value/Revenue: 0.23
• Enterprise Value/Gross Profit: 0.33
• Enterprise Value/Ebitda: 1.14
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $52.00 ▲(28.08% Upside)
• Action: Reiterated Date: 02/19/26
• Date: Action: Reiterated 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.

Balance Sheet Resilience

Improving leverage and steady equity growth provide a structural capital buffer that supports lending and loss absorption. Moderate leverage plus healthy recent ROE (low-teens) mean the bank has durable capacity to fund growth, sustain payouts, and withstand macro shocks over months.

Profitability Rebound

A meaningful 2025 earnings rebound demonstrates restored earnings power after prior weakness, improving internal cash generation and flexibility. Sustained higher operating margins versus the prior year support reinvestment, dividend coverage, and longer-term credit metrics.

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.

Cash Flow Volatility

Irregular operating and free cash flow reduces predictability for capital allocation and increases reliance on external funding in stress. Even with 2025 improvement, continued variability hampers confident dividend growth, buybacks, or steady balance sheet repair over the medium term.

Rising Total Debt

An increase in total debt, even against improved leverage ratios, can raise interest and refinancing risk if the trend continues. Growing debt burdens constrain strategic flexibility, may pressure net interest margins, and increase sensitivity to funding costs over coming quarters.

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

Steady revenue growth and a meaningful profitability rebound in 2025 support the score. Balance sheet leverage appears moderate and improved versus the 2022 spike, though total debt rose from 2024 to 2025. Cash flow improved in 2025 but has been volatile year-to-year, and margins remain below the 2021–2022 peak.

Income Statement

Revenue has grown steadily from 2020 to 2025, with 2025 posting a solid step-up versus 2024. Profitability rebounded meaningfully in 2025 (net income up vs. 2024) and operating profitability improved, with operating and net margins higher than the prior year. The main weakness is that margins are meaningfully below the exceptionally strong 2021–2022 levels, indicating some compression since the peak period despite the recent recovery.

Balance Sheet

Leverage looks moderate and improving: debt relative to equity has come down materially versus the 2022 spike, and equity has grown consistently, supporting balance sheet resilience. Returns on equity are healthy (around low-teens recently), showing good profitability on the capital base. A key watch item is that total debt has risen from 2024 to 2025, even though leverage remains reasonable overall.

Cash Flow

Cash generation is mixed but improved in the most recent year: 2025 operating cash flow and free cash flow were strong and comfortably above 2024 levels, indicating better cash conversion. However, cash flow has been volatile across years (notably the sharp dip in 2024 and variability earlier), which reduces confidence in consistency. Also, some provided cash flow coverage fields appear inconsistent (shown as 0.0 in 2025), so the assessment relies primarily on the operating cash flow and free cash flow levels and trends.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	357.35M	370.93M	347.90M	320.54M	252.57M	226.27M
Gross Profit	250.09M	271.49M	234.07M	236.78M	240.25M	214.41M
EBITDA	72.03M	85.41M	59.80M	76.29M	96.12M	81.30M
Net Income	59.32M	70.23M	49.68M	57.04M	73.35M	59.65M
Balance Sheet
Total Assets	6.61B	6.85B	6.53B	6.42B	6.32B	6.22B
Cash, Cash Equivalents and Short-Term Investments	1.02B	1.20B	0.00	925.94M	920.51M	1.71B
Total Debt	119.18M	144.18M	138.88M	169.18M	303.88M	128.26M
Total Liabilities	6.06B	6.27B	6.03B	5.95B	5.89B	5.80B
Stockholders Equity	544.30M	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

• Technical Analysis Sentiment: Neutral
• Last Price: 40.60
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ALPIB, the sentiment is Neutral. The current price of 40.6 is below the 20-day moving average (MA) of 48.24, below the 50-day MA of 44.20, and above the 200-day MA of 34.78, indicating a neutral trend. The MACD of 1.08 indicates Positive momentum. The RSI at 71.94 is Negative, neither overbought nor oversold. The STOCH value of 27.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ALPIB.

Alpine Banks Colorado Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ALPIB	74 Outperform	$768.87M	9.08	12.61%	2.06%	6.53%	14.16%
UNTY	71 Outperform	$498.12M	8.36	17.76%	1.08%	11.38%	36.10%
PFIS	69 Neutral	$518.55M	8.23	10.83%	4.97%	39.98%	413.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PGC	66 Neutral	$590.37M	10.05	5.85%	0.70%	9.16%	6.95%
BHB	62 Neutral	$535.75M	14.04	7.42%	3.92%	4.26%	-16.52%
NFBK	49 Neutral	$551.28M	576.05	0.11%	4.38%	6.08%	52.64%