OTCPK:ALPI.B

Stock Analysis Report

Alpine Banks of Colorado

Executive Summary

Alpine Banks of Colorado operates as the bank holding company for Alpine Bank that provides various banking products and services to individuals and businesses.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.

Share Price & News

How has Alpine Banks of Colorado's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

ALPI.B

1.4%

US Banks

1.0%

US Market


1 Year Return

n/a

ALPI.B

0.2%

US Banks

6.7%

US Market

Return vs Industry: Insufficient data to determine how ALPI.B performed against the US Banks industry.

Return vs Market: Insufficient data to determine how ALPI.B performed against the US Market.


Share holder returns

ALPI.BIndustryMarket
7 Day0%1.4%1.0%
30 Day0.4%-2.6%-1.8%
90 Day-7.9%0.8%-1.8%
1 Yearn/a3.1%0.2%9.1%6.7%
3 Yearn/a52.0%41.5%46.1%36.6%
5 Yearn/a69.7%51.2%66.9%48.6%

Price Volatility Vs. Market

How volatile is Alpine Banks of Colorado's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Alpine Banks of Colorado undervalued based on future cash flows and its price relative to the stock market?

31%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Undervalued: ALPI.B ($5021) is trading below our estimate of fair value ($7273.8)

Significantly Undervalued: ALPI.B is trading below fair value, but not by a significant amount.


Price Based on Earnings

PE vs Industry: ALPI.B is good value based on its PE Ratio (9.1x) compared to the Banks industry average (12.5x).

PE vs Market: ALPI.B is good value based on its PE Ratio (9.1x) compared to the US market (17.5x).


Price Based on Expected Growth

Low PEG Ratio: Insufficient data to calculate ALPI.B's PEG Ratio to determine if it is good value.


Price Based on Value of Assets

PB vs Industry: ALPI.B is overvalued based on its PB Ratio (1.8x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Alpine Banks of Colorado expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-3.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Earnings vs Savings Rate: ALPI.B's earnings are forecast to decline over the next 3 years (-3.2% per year).

Earnings vs Market: ALPI.B's earnings are forecast to decline over the next 3 years (-3.2% per year).

High Growth Earnings: ALPI.B's earnings are forecast to decline over the next 3 years.

Revenue vs Market: Insufficient data to determine if ALPI.B's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if ALPI.B's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Estimates


Future Return on Equity

High Future ROE: Insufficient data to determine if ALPI.B's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Alpine Banks of Colorado performed over the past 5 years?

22.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: ALPI.B's earnings have grown significantly by 22.5% per year over the past 5 years.

Accelerating Growth: ALPI.B's earnings growth over the past year (48.7%) exceeds its 5-year average (22.5% per year).

Earnings vs Industry: ALPI.B earnings growth over the past year (48.7%) exceeded the Banks industry 31.8%.


Return on Equity

High ROE: ALPI.B's Return on Equity (19.4%) is considered low.


Return on Assets

ROA vs Industry: ALPI.B has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate ALPI.B's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Alpine Banks of Colorado's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: ALPI.B has a low level of unsold assets or inventory.

Debt Coverage by Assets: ALPI.B's debt is covered by short term assets (assets are 3.493620x debt).


Financial Institutions Analysis

Asset Level: ALPI.B's level of assets compared to its equity is moderate.

Allowance for Bad Loans: ALPI.B has a sufficient allowance for bad loans.

Low Risk Liabilities: ALPI.B's liabilities are made up of primarily low risk sources of funding.

Loan Level: ALPI.B has an acceptable proportion of non-loan assets held.

Low Risk Deposits: ALPI.B's loans are broadly funded by customer deposits.

Level of Bad Loans: ALPI.B has an appropriate level of bad loans (0.22%)


Next Steps

Dividend

What is Alpine Banks of Colorado's current dividend yield, its reliability and sustainability?


Upcoming Dividend Payment

Purchase Alpine Banks of Colorado before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: Unable to evaluate ALPI.B's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate ALPI.B's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if ALPI.B's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if ALPI.B's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of ALPI.B's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Alpine Banks of Colorado's salary, the management and board of directors tenure and is there insider trading?

0.3yrs

Average management tenure


CEO

Bob Young 0

0yrs

Tenure

0

Mr. J. Robert Young, also known as Bob, serves as Chairman of the Board and Chief Executive Officer at Alpine Bank. 


Management Age and Tenure

0.3yrs

Average Tenure

Experienced Management: ALPI.B's management team is not considered experienced ( 0.3 years average tenure), which suggests a new team.


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Kathryn Herzog

    Senior Vice President

    • Tenure: 0yrs
  • Glen Jammaron

    Vice Chairman & President

    • Tenure: 0yrs
  • Bob Young

    Chairman & CEO

    • Tenure: 0yrs
  • Eric Gardey

    Chief Financial Officer

    • Tenure: 0yrs
  • Leonard Rice

    Senior VP & Senior Investment Officer

    • Tenure: 0.3yrs
  • Kathryn Porter

    Senior VP & Senior Fiduciary Officer

    • Tenure: 0.3yrs

Board Members

  • Ray Baker (68yo)

    Director

    • Tenure: 0yrs
  • R. Robinson

    Director

    • Tenure: 0yrs
  • Glen Jammaron

    Vice Chairman & President

    • Tenure: 0yrs
  • Bob Young

    Chairman & CEO

    • Tenure: 0yrs
  • Tom Kenning

    Director

    • Tenure: 0yrs
  • Steve Briggs

    Director

    • Tenure: 0yrs
  • Norm Franke

    Director

    • Tenure: 0yrs
  • Peter Guy

    Director

    • Tenure: 0yrs
  • Wally Dallenbach

    Director

    • Tenure: 0yrs
  • Stan Kornasiewicz

    Director

    • Tenure: 0yrs

Company Information

Alpine Banks of Colorado's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Alpine Banks of Colorado
  • Ticker: ALPI.B
  • Exchange: OTCPK
  • Founded: 1973
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$525.704m
  • Shares outstanding: 104.70k
  • Website: https://www.alpinebank.com

Location

  • Alpine Banks of Colorado
  • 2200 Grand Avenue
  • PO Box 10000
  • Glenwood Springs
  • Colorado
  • 81601
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ALPI.BOTCPK (Pink Sheets LLC)YesClass B Common StockUSUSDMar 2019

Biography

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 deposit products, includi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 03:32
End of Day Share Price2019/10/07 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

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