How does ALPI.B's PE Ratio compare to its peers?

ALPI.B is good value based on its Price-To-Earnings Ratio (11.5x) compared to the peer average (12.7x).

How does ALPI.B's PE Ratio compare vs other companies in the US Banks Industry?

ALPI.B is good value based on its Price-To-Earnings Ratio (11.5x) compared to the US Banks industry average (12.4x).

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.

Insufficient data to calculate ALPI.B's Price-To-Earnings Fair Ratio for valuation analysis.

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.

ALPI.B ($34.24) is trading below our estimate of [[fair value]] ($94.24)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

ALPI.B Stock Overview

Provides banking products and services to individuals and businesses. More details

ALPI.B fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 63.7% below our estimate of its fair value

Risk Analysis

Profit margins (21%) are lower than last year (31.6%)

Unstable dividend track record

Latest financial reports are more than 6 months old

My Notes

Capture your thoughts, links and company narrative

Alpine Banks of Colorado Competitors

Farmers National Banc

NasdaqCM:FMNB

US$546.5m

CNB Financial

NasdaqGS:CCNE

US$527.3m

SmartFinancial

NYSE:SMBK

US$532.8m

Mid Penn Bancorp

NasdaqGM:MPB

US$570.7m

Price History & Performance

Summary of share price highs, lows and changes for Alpine Banks of Colorado
Historical stock prices
Current Share Price	US$34.24
52 Week High	US$34.25
52 Week Low	US$25.05
Beta	0.50
1 Month Change	3.82%
3 Month Change	16.07%
1 Year Change	16.46%
3 Year Change	7.00%
5 Year Change	3.76%
Change since IPO	-6.62%

Recent updates

Shareholder Returns

	ALPI.B	US Banks	US Market
7D	-0.03%	-3.4%	-2.4%
1Y	16.5%	29.1%	23.4%

Return vs Industry: ALPI.B underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: ALPI.B underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is ALPI.B's price volatile compared to industry and market?
ALPI.B volatility
ALPI.B Average Weekly Movement	2.0%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: ALPI.B has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: ALPI.B's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1973	n/a	Bob Young	www.alpinebank.com

Alpine Banks of Colorado provides 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, auto, green, home mortgage, home equity, land and construction, commercial real estate, and small business administration loans; letters and lines of credit; and business lines of credit, as well as debit and credit cards.

Alpine Banks of Colorado Fundamentals Summary

How do Alpine Banks of Colorado's earnings and revenue compare to its market cap?
ALPI.B fundamental statistics
Market cap	US$549.55m
Earnings (TTM)	US$47.97m
Revenue (TTM)	US$228.47m

11.5x

P/E Ratio

1.2x

P/B Ratio

Is ALPI.B overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ALPI.B income statement (TTM)
Revenue	US$228.47m
Cost of Revenue	US$0
Gross Profit	US$228.47m
Other Expenses	US$180.50m
Earnings	US$47.97m

Last Reported Earnings

Mar 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.99
Gross Margin	100.00%
Net Profit Margin	21.00%
Debt/Equity Ratio	25.3%

How did ALPI.B perform over the long term?

See historical performance and comparison

Dividends

2.3%

Current Dividend Yield

27%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 08:35
End of Day Share Price	2024/12/20 00:00
Earnings	2024/03/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Alpine Banks of Colorado is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution