Alpine Banks of Colorado (ALPIB)
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.
Alpine Banks of Colorado (ALPIB) trades at $47.98 with AI Score 54/100 (Grade B). Alpine Banks of Colorado operates as a bank holding company, providing a range of financial products and services to individuals and businesses. Market cap: $392.54M, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for ALPIB: ALPIB 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 ALPIB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
ALPIB: 3/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Alpine Banks of Colorado (ALPIB) Financial Services Profile
Alpine Banks of Colorado, with a $392.54M market cap and a P/E ratio of 9.8, delivers community-focused banking services. Operating primarily in Colorado, the bank offers diverse loan products and electronic banking solutions, maintaining a 18.9% profit margin and 1.79% dividend yield in the regional banking sector.
What Is the Investment Thesis for ALPIB?
Alpine Banks of Colorado presents a stable investment opportunity within the regional banking sector, supported by a solid 18.9% profit margin and a low beta of 0.05, indicating lower volatility compared to the broader market. The company's dividend yield of 1.79% offers a steady income stream for investors. Key value drivers include its diverse loan portfolio and emphasis on community banking, fostering strong customer relationships and loyalty. Growth catalysts involve expanding digital banking services and leveraging its existing branch network to increase market share within Colorado. However, potential risks include increased competition from larger national banks and fintech companies, as well as regulatory changes impacting the banking industry. The company's ability to maintain its net interest margin and manage credit risk will be crucial for sustained profitability.
Based on FMP financials and quantitative analysis
ALPIB Key Highlights
- Market Cap of $392.54M reflects the company's valuation in the regional banking sector.
- P/E Ratio of 9.8 indicates a potentially undervalued stock compared to its earnings.
- Profit Margin of 18.9% demonstrates strong profitability and operational efficiency.
- Gross Margin of 54.7% showcases the effectiveness of its revenue generation relative to its cost of goods sold.
- Dividend Yield of 1.79% provides a consistent income stream for investors, enhancing its appeal.
Who Are ALPIB's Competitors?
ALPIB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BFCC BankFirst Capital Corporation | $62.48 | +0.00% | $332.03M | 53 |
| CSHX Cashmere Valley Bank | $84.30 | +0.36% | $313.07M | 57 |
| CYFL Century Financial Corporation | $47.48 | +0.00% | $309.09M | 53 |
| FFBB FFB Bancorp | $86.10 | -0.58% | $268.64M | 50 |
| MBLU Morris State Bancshares, Inc. | $25.00 | +0.00% | $265.94M | 60 |
| 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 ALPIB's Key Strengths?
- Strong brand reputation and customer loyalty in Colorado.
- Diverse range of financial products and services.
- Experienced management team.
- Solid financial performance with a healthy profit margin.
What Are ALPIB's Weaknesses?
- Limited geographic diversification, concentrated in Colorado.
- Smaller scale compared to larger national banks.
- Dependence on local economic conditions.
- Potential vulnerability to increased competition from fintech companies.
What Could Drive ALPIB Stock Higher?
- Expansion of digital banking services to attract a broader customer base.
- Strategic partnerships with local businesses to drive loan growth.
- Potential for increased interest rates to boost net interest margin.
- Focus on community engagement and customer loyalty to retain existing customers.
- Launch of new specialized loan products tailored to specific industries (within the next year).
What Are the Key Risks for ALPIB?
- Financial-distress signal — its Altman Z-Score of 0.34 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger national banks and fintech companies.
- Regulatory changes impacting the banking industry and compliance costs.
- Economic downturn in Colorado affecting loan demand and credit quality.
- Rising interest rates impacting loan demand and profitability.
- Limited geographic diversification, concentrated in Colorado.
What Are the Growth Opportunities for ALPIB?
- Expansion of Digital Banking Services: Alpine Banks of Colorado can capitalize on the increasing demand for digital banking by enhancing its online and mobile banking platforms. This includes offering more advanced features such as AI-powered financial advice, personalized banking experiences, and seamless integration with other financial tools. The digital banking market is projected to reach $9 trillion by 2027, providing a significant opportunity for Alpine Bank to attract and retain customers through innovative digital solutions. Timeline: Ongoing.
- Strategic Branch Expansion: While digital banking is growing, physical branches remain important for customer service and building relationships. Alpine Banks of Colorado can strategically expand its branch network in underserved areas within Colorado to increase its market reach. Each new branch can serve as a hub for community engagement and financial education, strengthening the bank's local presence. This expansion can be phased over the next 3-5 years, with careful consideration of local demographics and economic conditions. Market size: Undetermined.
- Targeted Marketing to Younger Demographics: Attracting younger customers is crucial for long-term sustainability. Alpine Banks of Colorado can implement targeted marketing campaigns focused on millennials and Gen Z, highlighting its digital banking capabilities, green loan products, and commitment to social responsibility. These campaigns can leverage social media, online advertising, and partnerships with local universities and community organizations. Timeline: Ongoing, with continuous refinement based on performance metrics. Market size: Undetermined.
- Partnerships with Local Businesses: Collaborating with local businesses can create mutually beneficial opportunities. Alpine Banks of Colorado can offer customized financial solutions for small and medium-sized enterprises (SMEs), including business loans, payment processing services, and cash management tools. By supporting local businesses, the bank can strengthen its community ties and drive economic growth in the region. Timeline: Ongoing, with a focus on building long-term relationships. Market size: Undetermined.
- Development of Specialized Loan Products: Alpine Banks of Colorado can develop specialized loan products tailored to specific industries or customer segments. This could include green loans for sustainable projects, medical loans for healthcare professionals, or student loan refinancing options. By offering unique and targeted loan products, the bank can attract new customers and diversify its loan portfolio. Timeline: 1-2 years for product development and launch. Market size: Undetermined.
What Opportunities Does ALPIB Have?
- Expansion of digital banking services to attract younger customers.
- Strategic branch expansion in underserved areas.
- Partnerships with local businesses to drive growth.
- Development of specialized loan products for specific industries.
What Threats Does ALPIB Face?
- Increased competition from larger national banks and fintech companies.
- Regulatory changes impacting the banking industry.
- Economic downturn in Colorado.
- Rising interest rates impacting loan demand.
What Are ALPIB's Competitive Advantages?
- Strong community relationships and local brand recognition.
- Established branch network in key Colorado markets.
- Diverse range of financial products and services.
- Experienced management team with deep industry knowledge.
What Does ALPIB Do?
Founded in 1973 and headquartered in Glenwood Springs, Colorado, Alpine Banks of Colorado operates as the bank holding company for Alpine Bank. The bank provides a comprehensive suite of financial products and services tailored to individuals and businesses. Its offerings include a variety of deposit accounts such as checking, savings, money market, health, youth, and individual retirement accounts, alongside demand deposits and certificates of deposit. Alpine Bank distinguishes itself through its commitment to community banking, emphasizing local relationships and personalized service. The bank's loan portfolio is diverse, featuring personal, business, student, vehicle, green, home mortgage, home equity, land and construction, commercial real estate, small business administration, medical, installment, and term loans. Additionally, Alpine Bank provides letters and lines of credit, including a business-ready reserve line of credit, and offers debit and credit cards. Beyond traditional banking services, Alpine Bank provides cash and wealth management, payment processing, lockbox, and remote deposit capture services. The company also embraces modern banking solutions through its electronic banking services, including online and mobile banking. Alpine Banks of Colorado also owns commercial buildings, contributing to its asset base and revenue streams. With 890 employees, Alpine Bank maintains a significant presence in Colorado, focusing on sustainable growth and community development.
What Products and Services Does ALPIB Offer?
- Provides checking and savings accounts for individuals and businesses.
- Offers a variety of loan products, including personal, business, and mortgage loans.
- Provides electronic banking services, including online and mobile banking.
- Offers cash and wealth management services.
- Provides payment processing and remote deposit capture services.
- Issues debit and credit cards.
How Does ALPIB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as cash management and payment processing.
- Collects interest on deposits and investments.
- Manages wealth and provides financial advice for a fee.
What Industry Does ALPIB Operate In?
Alpine Banks of Colorado operates within the competitive regional banking sector. This sector is characterized by established players and increasing competition from fintech companies offering innovative financial solutions. Market trends include a growing demand for digital banking services and personalized customer experiences. The regional banking sector is expected to see moderate growth, driven by local economic development and increasing population in key markets. Alpine Banks of Colorado differentiates itself through its strong community focus and diverse range of financial products, positioning it to capture a significant share of the Colorado market.
Who Are ALPIB's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring financial solutions.
- Commercial real estate developers needing financing.
- Local community organizations and non-profits.
Company Profile
Alpine Banks of Colorado operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Glenwood Springs, US. The company is led by CEO Glen L. Jammaron. ALPIB has traded publicly since 2021.
Alpine Banks of Colorado Financial Trajectory
Alpine Banks of Colorado (ALPIB) reported $99.2M in revenue for Q1 2026, reflecting 1.2% growth compared to the prior quarter. The company recorded net income of $20.2M, with diluted EPS of $1.26. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this small-cap Financial Services company. Across the four most recent quarters, ALPIB averaged $1.19 in diluted EPS.
How Alpine Banks of Colorado Is Valued
Alpine Banks of Colorado carries a market capitalization of $392.54M, placing it in the small-cap category. Relative to its peer group, ALPIB's quantitative score of 54/100 is roughly in line with the peer average of 55/100.
ROE 13%Key Financial Metrics
Return on equity for Alpine Banks of Colorado stands at 13.2%, 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. ALPIB trades at a trailing price-to-earnings ratio of 9.83, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
Alpine Banks of Colorado's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.34 places it in the distress zone, a signal of elevated financial risk.
ALPIB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe in the strength of their business model.
- Community sentiment has turned more positive, with discussions highlighting the bank's strong regional presence and customer loyalty.
- Market perception is buoyed by the overall stability of the banking sector in Colorado, which has seen steady growth.
- Recent developments in local economies suggest potential for increased lending and growth opportunities for regional banks like Alpine.
Bear Case
- Concerns about rising interest rates could impact profitability, as higher rates may reduce borrowing and increase defaults.
- Social sentiment reveals some skepticism about the bank's ability to compete with larger national banks, which may attract customers with better rates.
- Recent regulatory changes in the banking sector have created uncertainty, leading some investors to question the bank's adaptability.
- Bearish community views have emerged around potential economic slowdowns, which could negatively affect loan demand and overall bank performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $99M | $20M | $1.26 |
| Q4 2025 | $98M | $20M | $1.23 |
| Q3 2025 | $94M | $19M | $1.16 |
| Q2 2025 | $91M | $18M | $1.10 |
Based on FMP financials and quantitative analysis
ALPIB Latest News
No recent news available for ALPIB.
ALPIB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ALPIB.
Price Targets
Wall Street price target analysis for ALPIB.
ALPIB MoonshotScore
What does this score mean?
The MoonshotScore rates ALPIB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Glen L. Jammaron
CEO
Glen L. Jammaron serves as the CEO of Alpine Banks of Colorado, leading a team of 890 employees. His career spans several decades in the banking industry, with a focus on community banking and financial services. He has held various leadership positions within Alpine Bank, contributing to its growth and stability. Jammaron's expertise includes strategic planning, risk management, and customer relationship management. He is actively involved in community development initiatives and serves on various boards and committees.
Track Record: Under Glen L. Jammaron's leadership, Alpine Banks of Colorado has maintained a strong financial performance and expanded its presence in key Colorado markets. He has overseen the implementation of several strategic initiatives, including the enhancement of digital banking services and the development of new loan products. His focus on customer service and community engagement has contributed to the bank's positive reputation and customer loyalty. The company's consistent profitability and growth reflect his effective leadership and strategic vision.
ALPIB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Alpine Banks of Colorado may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and regulatory oversight compared to those listed on major exchanges like NYSE or NASDAQ. Investing in OTC Other stocks involves higher risks due to the potential for less transparency and greater price volatility. These companies often do not adhere to strict reporting requirements, making it difficult to assess their financial health and operational performance. This contrasts sharply with NYSE/NASDAQ listings, which demand rigorous compliance and regular filings.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Financial Disclosure: Lack of comprehensive and timely financial reporting increases investment risk.
- Low Liquidity: Difficulty in buying or selling shares due to low trading volumes.
- Price Volatility: Higher price swings due to limited market participation.
- Regulatory Scrutiny: Potential for increased regulatory oversight and compliance challenges.
- Information Asymmetry: Limited access to information compared to companies listed on major exchanges.
- Verify the company's registration and legal standing.
- Obtain and review available financial statements, even if limited.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Understand the risks associated with investing in OTC stocks.
- Monitor trading volume and price activity for unusual patterns.
- Consult with a financial advisor before making investment decisions.
- Established History: Alpine Banks of Colorado has been in operation since 1973.
- Community Focus: Strong ties to the local community and a commitment to customer service.
- Regulatory Compliance: Adherence to banking regulations and industry standards.
- Positive Reputation: Favorable customer reviews and community feedback.
- Dividend Payments: Consistent dividend payments to shareholders.
Common Questions About ALPIB (Financial Services)
What does Alpine Banks of Colorado do?
Alpine Banks of Colorado operates as a bank holding company providing a comprehensive range of financial products and services to individuals and businesses. Its core offerings include checking and savings accounts, various loan products (personal, business, mortgage), electronic banking services (online and mobile), cash and wealth management, and payment processing solutions. The company distinguishes itself through its strong community focus, emphasizing local relationships and personalized service. This approach fosters customer loyalty and positions Alpine Bank as a trusted financial partner within the Colorado market.
What are the main risks for ALPIB?
Alpine Banks of Colorado faces several risks inherent to the regional banking sector. Increased competition from larger national banks and fintech companies could erode market share. Regulatory changes and compliance costs may impact profitability. An economic downturn in Colorado could reduce loan demand and increase credit losses. Rising interest rates could affect loan demand and net interest margin. The company's limited geographic diversification, concentrated in Colorado, also poses a risk, making it vulnerable to regional economic fluctuations.
What are the key factors to evaluate for ALPIB?
Alpine Banks of Colorado (ALPIB) holds an AI score of 54/100 (moderate). P/E: 9.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does ALPIB data refresh on this page?
ALPIB 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 ALPIB's recent stock price performance?
Alpine Banks of Colorado (ALPIB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand reputation and customer loyalty in Colorado. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ALPIB overvalued or undervalued right now?
Alpine Banks of Colorado (ALPIB) trades at 9.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying ALPIB?
Before investing in Alpine Banks of Colorado (ALPIB), 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).
Why might investors consider adding ALPIB to a portfolio?
Key strength of Alpine Banks of Colorado (ALPIB): Strong brand reputation and customer loyalty in Colorado. Weigh rewards against risks and diversify. Not financial advice.
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.
- OTC market data may be less reliable than major exchange data.
- AI analysis is pending and will provide further insights.