| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
ALPI.B Stock Overview
Alpine Banks of Colorado operates as the bank holding company for Alpine Bank that provides various banking products and services to individuals and businesses.
Alpine Banks of Colorado Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$29.25 |
| 52 Week High | US$42.00 |
| 52 Week Low | US$29.21 |
| Beta | 0.80 |
| 1 Month Change | -8.16% |
| 3 Month Change | -12.69% |
| 1 Year Change | -28.57% |
| 3 Year Change | -20.23% |
| 5 Year Change | n/a |
| Change since IPO | -20.23% |
Recent News & Updates
Shareholder Returns
| ALPI.B | US Banks | US Market | |
|---|---|---|---|
| 7D | 0.1% | -1.9% | -2.5% |
| 1Y | -28.6% | -18.3% | -21.2% |
Return vs Industry: ALPI.B underperformed the US Banks industry which returned -18.3% over the past year.
Return vs Market: ALPI.B underperformed the US Market which returned -21.2% over the past year.
Price Volatility
| ALPI.B volatility | |
|---|---|
| ALPI.B Average Weekly Movement | 4.6% |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 8.1% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.3% |
Stable Share Price: ALPI.B is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: ALPI.B's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1973 | n/a | Bob Young | https://www.alpinebank.com |
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.
Alpine Banks of Colorado Fundamentals Summary
| ALPI.B fundamental statistics | |
|---|---|
| Market Cap | US$447.38m |
| Earnings (TTM) | US$58.29m |
| Revenue (TTM) | US$213.91m |
7.7x
P/E Ratio1.1x
P/B RatioIs ALPI.B overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ALPI.B income statement (TTM) | |
|---|---|
| Revenue | US$213.91m |
| Cost of Revenue | US$0 |
| Gross Profit | US$213.91m |
| Other Expenses | US$155.62m |
| Earnings | US$58.29m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.81 |
| Gross Margin | 100.00% |
| Net Profit Margin | 27.25% |
| Debt/Equity Ratio | 36.8% |
How did ALPI.B perform over the long term?
See historical performance and comparisonDividends
2.5%
Current Dividend Yield17%
Payout RatioValuation
Is ALPI.B undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for ALPI.B?
Other financial metrics that can be useful for relative valuation.
| What is ALPI.B's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | US$447.38m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does ALPI.B's PE Ratio compare to its peers?
| ALPI.B PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 11.1x | ||
FSBC Five Star Bancorp | 10.6x | 8.7% | US$445.1m |
GNTY Guaranty Bancshares | 11.1x | 1.6% | US$439.6m |
CSTR CapStar Financial Holdings | 9x | 3.8% | US$434.5m |
MPB Mid Penn Bancorp | 13.8x | 29.7% | US$433.4m |
ALPI.B Alpine Banks of Colorado | 7.7x | n/a | US$447.4m |
Price-To-Earnings vs Peers: ALPI.B is good value based on its Price-To-Earnings Ratio (7.7x) compared to the peer average (11.1x).
Price to Earnings Ratio vs Industry
How does ALPI.B's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: ALPI.B is good value based on its Price-To-Earnings Ratio (7.7x) compared to the US Banks industry average (9.5x)
Price to Earnings Ratio vs Fair Ratio
What is ALPI.B's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 7.7x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate ALPI.B's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of ALPI.B when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: ALPI.B ($29.25) is trading below our estimate of fair value ($92.64)
Significantly Below Fair Value: ALPI.B is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ALPI.B's PEG Ratio to determine if it is good value.
Discover undervalued companies
Future Growth
How is Alpine Banks of Colorado forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
9.7%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Alpine Banks of Colorado has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Discover growth companies
- Examine whether Alpine Banks of Colorado is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Alpine Banks of Colorado's filings and announcements here.
Past Performance
How has Alpine Banks of Colorado performed over the past 5 years?
Past Performance Score
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
7.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ALPI.B has high quality earnings.
Growing Profit Margin: ALPI.B's current net profit margins (27.3%) are lower than last year (27.3%).
Past Earnings Growth Analysis
Earnings Trend: ALPI.B's earnings have grown by 7.9% per year over the past 5 years.
Accelerating Growth: ALPI.B's earnings growth over the past year (7.3%) is below its 5-year average (7.9% per year).
Earnings vs Industry: ALPI.B earnings growth over the past year (7.3%) underperformed the Banks industry 20.8%.
Return on Equity
High ROE: ALPI.B's Return on Equity (14%) is considered low.
Discover strong past performing companies
Financial Health
How is Alpine Banks of Colorado's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
6/6Financial Health Score 6/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ALPI.B's Assets to Equity ratio (14.9x) is moderate.
Allowance for Bad Loans: ALPI.B has a sufficient allowance for bad loans (1583%).
Low Risk Liabilities: 97% of ALPI.B's liabilities are made up of primarily low risk sources of funding.
Loan Level: ALPI.B has an appropriate level of Loans to Assets ratio (54%).
Low Risk Deposits: ALPI.B's Loans to Deposits ratio (60%) is appropriate.
Level of Bad Loans: ALPI.B has an appropriate level of bad loans (0.1%).
Discover healthy companies
Dividend
What is Alpine Banks of Colorado current dividend yield, its reliability and sustainability?
Dividend Score
2/6Dividend Score 2/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
2.46%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ALPI.B's dividend (2.46%) is higher than the bottom 25% of dividend payers in the US market (1.6%).
High Dividend: ALPI.B's dividend (2.46%) is low compared to the top 25% of dividend payers in the US market (4.25%).
Stability and Growth of Payments
Stable Dividend: ALPI.B has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: ALPI.B has only been paying a dividend for 2 years, and since then payments have fallen.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (17.5%), ALPI.B's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
14.8yrs
Average management tenure
CEO
Bob Young (83 yo)
42.5yrs
Tenure
Mr. J. Robert Young, also known as Bob, serves as Chairman of the Board and Chief Executive Officer at Alpine Banks of Colorado since 1980 and as chairman and chief executive of Alpine Bank since its forma...
Leadership Team
Experienced Management: ALPI.B's management team is seasoned and experienced (14.8 years average tenure).
Board Members
Experienced Board: ALPI.B's board of directors are seasoned and experienced ( 34 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Alpine Banks of Colorado's 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
- Implied Market Cap: US$447.378m
- Shares outstanding: 15.29m
- Website: https://www.alpinebank.com
Location
- Alpine Banks of Colorado
- 2200 Grand Avenue
- PO Box 10000
- Glenwood Springs
- Colorado
- 81601
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/07/03 00:00 |
| End of Day Share Price | 2022/07/01 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
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.