Alpha Services and Holdings S.A. (ALBKF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Alpha Services and Holdings S.A. (ALBKF) trades at $3.60 with AI Score 50/100 (Grade B). Alpha Services and Holdings S. A. is a leading financial services provider in Greece, offering a wide range of banking and financial products. Market cap: $8.32B, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for ALBKF: ALBKF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ALBKF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
ALBKF: the 1 perspectives are evenly split.
How is this calculated? →Alpha Services and Holdings S.A. (ALBKF) Financial Services Profile
Alpha Services and Holdings S.A. stands as a prominent player in the Greek financial services sector, delivering a comprehensive suite of banking, asset management, and insurance solutions, supported by a robust branch network and a commitment to innovation.
What Is the Investment Thesis for ALBKF?
Alpha Services and Holdings S.A. presents a compelling investment thesis driven by its strong financial metrics, including a market capitalization of $8.32B and a profit margin of 22.4%. The company's diversified revenue streams across retail and corporate banking, asset management, and insurance services position it well for sustained growth. Key growth catalysts include the expansion of digital banking services and a focus on enhancing customer experience. Furthermore, the company's strategic initiatives in asset management and investment banking are expected to drive profitability. However, investors should remain vigilant regarding potential risks associated with its OTC trading status, including liquidity challenges and market volatility. Overall, Alpha's established market presence and comprehensive service offerings provide a solid foundation for future growth.
Based on FMP financials and quantitative analysis
ALBKF Key Highlights
- Market capitalization of $8.32B reflects strong investor confidence.
- P/E ratio of 9.9 indicates potentially attractive valuation compared to industry peers.
- Profit margin of 22.4% showcases operational efficiency and profitability.
- Gross margin of 51.9% exceeds many regional competitors, indicating strong pricing power.
- Dividend yield of 2.00% provides a steady income stream for investors.
Who Are ALBKF's Competitors?
ALBKF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BKAYY Bank of Ayudhya Public Company Limited | $22.17 | -14.75% | $8.15B | 62 |
| PBLOF Public Bank Berhad | $0.60 | -36.84% | $11.65B | — |
| BGKKF Bangkok Bank Public Company Limited | $4.99 | +0.00% | $9.53B | 63 |
| UNPLF UnipolSai Assicurazioni S.p.A. | $2.95 | -2.32% | $8.34B | — |
| ALORY Alior Bank S.A. | $14.74 | +0.00% | $7.70B | 59 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ALBKF's Key Strengths?
- Strong market presence in Greece with a long-standing history.
- Diverse range of financial products and services.
- High profit margins indicating operational efficiency.
- Robust branch network facilitating customer access.
What Are ALBKF's Weaknesses?
- OTC trading status may limit liquidity and increase volatility.
- Exposure to economic fluctuations in the Greek market.
- Dependence on traditional banking services amid digital disruption.
- Potential regulatory challenges in the financial services sector.
What Could Drive ALBKF Stock Higher?
- Expansion of digital banking services to enhance customer engagement.
- Strategic initiatives in asset management driving revenue growth.
- Continued focus on improving operational efficiency and profitability.
- Potential entry into new markets in Southeast Europe.
- Development of innovative insurance products to meet market demand.
What Are the Key Risks for ALBKF?
- Financial-distress signal — its Altman Z-Score of -0.52 sits in the distress zone (elevated bankruptcy risk).
- Economic fluctuations in Greece affecting consumer confidence.
- Intense competition from fintech disruptors and traditional banks.
- Regulatory changes impacting the banking sector.
- Cybersecurity threats related to digital banking operations.
What Are the Growth Opportunities for ALBKF?
- Digital Banking Expansion: Alpha Services and Holdings S.A. is investing in digital banking solutions to enhance customer experience and streamline operations. The global digital banking market is projected to grow at a CAGR of 12.4% from 2021 to 2026, providing significant growth potential for the company as it modernizes its service delivery and attracts tech-savvy customers.
- Asset Management Growth: The asset management segment is a key growth driver, with the global asset management market expected to reach $145 trillion by 2025. Alpha's established reputation and comprehensive service offerings position it well to capture a larger share of this growing market, particularly as investors seek diversified investment opportunities.
- Corporate Banking Services: With a focus on corporate clients, Alpha Services aims to expand its lending and financing solutions. The corporate banking sector is anticipated to grow as businesses recover from economic disruptions, providing Alpha with opportunities to strengthen its portfolio and increase market share.
- Insurance Product Development: Alpha is looking to enhance its insurance offerings, tapping into the growing insurance market in Greece. The Greek insurance market is projected to grow at a CAGR of 5.1% from 2022 to 2027, driven by increasing consumer awareness and demand for comprehensive coverage.
- Southeast Europe Expansion: Alpha Services has opportunities to expand its footprint in Southeast Europe, a region with growing banking needs and a rising middle class. By leveraging its expertise and established brand, the company can capture new market segments and drive revenue growth in these emerging markets.
What Opportunities Does ALBKF Have?
- Expansion of digital banking services to attract younger customers.
- Growth in asset management services as market demand increases.
- Opportunities to enter emerging markets in Southeast Europe.
- Development of new insurance products to meet customer needs.
What Threats Does ALBKF Face?
- Intense competition from both traditional banks and fintech companies.
- Economic instability in Greece impacting consumer confidence.
- Regulatory changes affecting the banking and financial services industry.
- Cybersecurity risks associated with digital banking operations.
What Are ALBKF's Competitive Advantages?
- Established brand recognition in the Greek banking sector since 1879.
- Comprehensive service offerings that cater to diverse customer needs.
- Strong customer relationships built through extensive branch network.
- Regulatory compliance and established trust within the financial community.
- Innovative digital banking initiatives that enhance customer engagement.
What Does ALBKF Do?
Founded in 1879, Alpha Services and Holdings S.A. has evolved into one of Greece's foremost financial institutions, providing a diverse range of banking and financial services to individuals, professionals, and corporations. Headquartered in Athens, the company operates through various segments, including Retail Banking, Corporate Banking, Asset Management and Insurance, Investment Banking and Treasury, and South Eastern Europe. With a strong focus on customer service, Alpha offers a variety of deposit products such as savings accounts, current accounts, and term deposits, alongside a comprehensive suite of loan products including mortgages, consumer loans, and corporate financing options. Additionally, the company provides leasing and factoring services, insurance products, and investment banking services, enhancing its value proposition in the competitive financial landscape. As of December 31, 2021, Alpha Services operated 450 branches, reinforcing its extensive reach within Greece and internationally. The company is well-positioned to leverage its established market presence and extensive product offerings to navigate the evolving financial services landscape.
What Products and Services Does ALBKF Offer?
- Provide a wide range of banking services including retail and corporate banking.
- Offer various deposit products such as savings accounts and term deposits.
- Extend loans including mortgages, consumer loans, and corporate financing.
- Deliver asset management and insurance services to individuals and businesses.
- Engage in investment banking and treasury activities.
- Facilitate mobile and online banking services for enhanced customer access.
How Does ALBKF Make Money?
- Generate revenue through interest income from loans and deposits.
- Earn fees from asset management and insurance products.
- Provide advisory services in investment banking for additional income streams.
- Leverage transaction fees from brokerage and capital market activities.
- Utilize a diversified service offering to mitigate risks and stabilize revenue.
What Industry Does ALBKF Operate In?
The regional banking industry in Greece is undergoing significant transformation, driven by digitalization and evolving customer expectations. As financial technology continues to disrupt traditional banking models, companies like Alpha Services and Holdings S.A. are adapting by enhancing their digital offerings and customer engagement strategies. The competitive landscape includes notable players such as Bank of Ayudhya Public Company Limited (BKAYY) and Public Bank Berhad (PBLOF), which further intensifies the need for differentiation through superior service and innovative products. The overall market is expected to grow as economic conditions improve and consumer confidence returns, creating opportunities for established banks to expand their market share.
Who Are ALBKF's Key Customers?
- Individuals seeking personal banking and financial services.
- Small to medium-sized enterprises requiring loans and banking solutions.
- Corporations needing corporate banking and investment services.
- Investors looking for asset management and insurance products.
- Real estate clients seeking financing and management services.
FY2026 estForward Outlook
Wall Street analysts project Alpha Services and Holdings S.A. revenue of about $2.35B for fiscal 2026, with EPS near $0.39. The estimate reflects 12 contributing analysts.
F-Score 6/9Financial Health
Alpha Services and Holdings S.A.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.52 places it in the distress zone, a signal of elevated financial risk.
ROE 11%Key Financial Metrics
Return on equity for Alpha Services and Holdings S.A. stands at 10.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. ALBKF trades at a trailing price-to-earnings ratio of 9.91, below the Financial Services sector average of ~18x. Its free cash flow yield is 14.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.04 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 10.1%, the inverse of the P/E and a quick read on earnings relative to price.
Alpha Services and Holdings S.A. (ALBKF) Valuation Context
Valued at $8.32B, ALBKF is classified as a mid-cap stock. Relative to its peer group, ALBKF's quantitative score of 50/100 is below the peer average of 61/100.
ALBKF Revenue & Earnings Trend
In Q2 2025, ALBKF generated $1.17B in top-line revenue, marking a sequential decrease of 1.4%. The company recorded net income of $294.0M, with diluted EPS of $0.13. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Financial Services. Across the four most recent quarters, ALBKF averaged $0.09 in diluted EPS.
Company Profile
Alpha Services and Holdings S.A. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Athens, GR. The company is led by CEO Vassilios E. Psaltis. ALBKF has traded publicly since 2014.
ALBKF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Strong market presence in Greece with a long-standing history.
- Diverse range of financial products and services.
- High profit margins indicating operational efficiency.
- Robust branch network facilitating customer access.
Bear Case
- OTC trading status may limit liquidity and increase volatility.
- Exposure to economic fluctuations in the Greek market.
- Dependence on traditional banking services amid digital disruption.
- Potential regulatory challenges in the financial services sector.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2025 | $1.17B | $294M | $0.13 |
| Q1 2025 | $1.19B | $223M | $0.08 |
| Q4 2024 | $567M | $165M | $0.09 |
| Q3 2024 | $543M | $167M | $0.06 |
Based on FMP financials and quantitative analysis
ALBKF Latest News
No recent news available for ALBKF.
ALBKF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ALBKF.
Price Targets
Wall Street price target analysis for ALBKF.
ALBKF MoonshotScore
What does this score mean?
The MoonshotScore rates ALBKF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Vassilios E. Psaltis
CEO
Vassilios E. Psaltis has a distinguished career in the banking sector, having held various leadership roles in prominent financial institutions. He holds a degree in Economics and has extensive experience in managing complex banking operations. His expertise spans retail banking, corporate finance, and strategic planning, making him a key asset to Alpha Services and Holdings S.A.
Track Record: Under Vassilios E. Psaltis's leadership, Alpha Services has strengthened its market position and expanded its service offerings. His strategic focus on digital transformation has led to significant improvements in customer engagement and operational efficiency.
ALBKF OTC Market Information
The OTC Other tier indicates that Alpha Services and Holdings S.A. trades on the over-the-counter market, which typically involves less stringent reporting requirements compared to major exchanges like NYSE or NASDAQ. This can result in lower liquidity and higher volatility, as stocks in this tier may not have the same level of investor interest or regulatory oversight.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity may lead to increased price volatility.
- Potential lack of transparency in financial reporting.
- Greater susceptibility to market manipulation due to lower trading volumes.
- Regulatory risks associated with OTC trading and compliance.
- Review the company's financial statements and performance metrics.
- Assess the competitive landscape and market positioning.
- Monitor economic conditions in Greece and their impact on banking.
- Evaluate the company's digital transformation initiatives.
- Check for any regulatory updates affecting OTC stocks.
- Long-standing history since 1879, indicating stability.
- Established presence in the Greek banking sector.
- Diverse product offerings catering to various customer segments.
Common Questions About ALBKF (Financial Services)
What does Alpha Services and Holdings S.A. do?
Alpha Services and Holdings S.A. is a comprehensive financial services provider in Greece, offering a wide range of banking products including retail and corporate banking, asset management, insurance, and investment banking services. The company serves various customer segments, including individuals, small to medium-sized enterprises, and large corporations, facilitating their financial needs through innovative solutions.
How sensitive is ALBKF to interest rate changes?
Alpha Services and Holdings S.A. is sensitive to interest rate fluctuations, as changes can directly impact its net interest margin. An increase in interest rates may enhance profitability on loans, while a decrease could compress margins. The company's diversified portfolio helps mitigate risks associated with interest rate volatility, but ongoing monitoring is essential to assess potential impacts on financial performance.
What are the main risks for ALBKF?
Alpha Services and Holdings S.A. faces several key risks, including economic instability in Greece that could affect consumer confidence and borrowing activity. Additionally, the competitive landscape poses a threat from both traditional banks and emerging fintech companies. Regulatory changes may also impact operations, while cybersecurity risks associated with digital banking operations remain a concern that the company must address proactively.
What are the key factors to evaluate for ALBKF?
Alpha Services and Holdings S.A. (ALBKF) holds an AI score of 50/100 (moderate). P/E: 9.9x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does ALBKF data refresh on this page?
ALBKF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ALBKF's recent stock price performance?
Alpha Services and Holdings S.A. (ALBKF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market presence in Greece with a long-standing history. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ALBKF overvalued or undervalued right now?
Alpha Services and Holdings S.A. (ALBKF) trades at 9.9x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying ALBKF?
Before investing in Alpha Services and Holdings S.A. (ALBKF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on available financial metrics and company information as of June 2026.