Altabancorp (ALTA) Stock Analysis
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.
Altabancorp (ALTA) trades at $44.16 with AI Score 46/100 (Grade C). Altabancorp, through its subsidiary Altabank, provides a range of retail and commercial banking services to individuals and businesses in Utah and southern Idaho. Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: May 9, 2026Analyst Coverage for ALTA: ALTA 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 ALTA against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
ALTA: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Altabancorp (ALTA) Financial Services Profile
Altabancorp, operating as Altabank, is a regional bank in Utah and southern Idaho, providing retail and commercial banking services. With a history dating back to 1905, the company focuses on serving small to medium-sized businesses and individuals through a network of branches and digital platforms, maintaining a 34.5% profit margin.
What Is the Investment Thesis for ALTA?
Altabancorp presents a compelling investment case due to its established presence in the growing Utah and southern Idaho markets. The company's focus on commercial and residential real estate lending, coupled with its diversified deposit base, positions it well to capitalize on regional economic expansion. A profit margin of 34.5% indicates efficient operations. Key catalysts include continued loan growth and expansion of digital banking services. Potential risks include interest rate volatility and increased competition from larger regional and national banks. Investors should monitor the company's ability to maintain asset quality and manage operating expenses in a dynamic economic environment.
Based on FMP financials and quantitative analysis
ALTA Key Highlights
Profit Margin of 34.5% demonstrates strong profitability and efficient operations.
- Gross Margin of 87.8% indicates effective cost management in its core banking activities.
- Beta of 0.94 suggests lower volatility compared to the overall market, potentially offering a more stable investment.
- Operates 26 retail branches in Utah and southern Idaho, providing a localized banking presence.
- Founded in 1905, Altabancorp has a long-standing history and established reputation in its operating region.
Who Are ALTA's Competitors?
ALTA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| CMA Comerica Incorporated | $88.67 | -4.51% | $11.4B | 48 |
| TCBI Texas Capital Bancshares, Inc. | $98.04 | -0.16% | $4.26B | 90 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ALTA's Key Strengths?
Strong presence in Utah and southern Idaho markets.
- Diversified loan portfolio.
- Experienced management team.
- High gross margin of 87.8%
What Are ALTA's Weaknesses?
Limited geographic diversification.
- Reliance on net interest income.
- Smaller size compared to larger regional and national banks.
- Lack of dividend yield may deter some investors.
What Could Drive ALTA Stock Higher?
Expansion of digital banking services to attract and retain customers.
- Continued loan growth in the commercial and residential real estate sectors.
- Strategic branch expansion in high-growth areas of Utah and southern Idaho.
What Are the Key Risks for ALTA?
Interest rate volatility impacting net interest margin.
- Increased competition from larger banks and fintech companies.
- Economic downturn in Utah and southern Idaho affecting loan quality.
- Regulatory changes impacting banking operations and compliance costs.
What Are the Growth Opportunities for ALTA?
- Expansion of Digital Banking Services: Altabancorp can capitalize on the growing demand for digital banking by expanding its online and mobile offerings. This includes enhancing mobile deposit capabilities, improving user experience, and offering personalized financial management tools. The digital banking market is projected to reach $9.0 trillion in transaction value by 2027, presenting a significant opportunity for Altabancorp to attract and retain customers through convenient and accessible digital solutions.
- Strategic Branch Expansion: While digital banking is crucial, maintaining a physical presence in key markets remains important. Altabancorp can strategically expand its branch network in high-growth areas of Utah and southern Idaho to capture new customers and deepen existing relationships. Each new branch represents an opportunity to increase deposits, loan volume, and overall market share. Careful site selection and community engagement are essential for successful branch expansion.
- Increased Commercial Lending: Altabancorp can focus on growing its commercial lending portfolio by targeting small to medium-sized businesses in its operating region. This includes offering customized financing solutions, such as term loans, lines of credit, and equipment financing. The commercial lending market is expected to grow as businesses invest in expansion and innovation. By providing competitive rates and personalized service, Altabancorp can attract and retain commercial clients.
- Enhanced Wealth Management Services: Altabancorp can expand its wealth management offerings to cater to the growing affluent population in Utah and southern Idaho. This includes providing investment advisory services, retirement planning, and estate planning. The wealth management market is expected to grow as individuals seek professional guidance to manage their assets and achieve their financial goals. By offering a comprehensive suite of wealth management services, Altabancorp can generate fee income and build long-term relationships with high-net-worth clients.
- Strategic Acquisitions: Altabancorp can consider strategic acquisitions of smaller banks or financial institutions to expand its market presence and product offerings. Acquisitions can provide access to new customer segments, geographic markets, and specialized expertise. Careful due diligence and integration planning are essential for successful acquisitions. By pursuing strategic acquisitions, Altabancorp can accelerate its growth and enhance its competitive position.
What Are ALTA's Competitive Advantages?
- Established brand and reputation in Utah and southern Idaho.
- Strong relationships with local communities.
- Experienced management team.
- Diversified loan portfolio.
- Comprehensive suite of banking products and services.
What Does ALTA Do?
Founded in 1905 and headquartered in American Fork, Utah, Altabancorp operates as the bank holding company for Altabank, a state-chartered bank. Originally known as People's Utah Bancorp, the company rebranded as Altabancorp in July 2020. Altabank provides a comprehensive suite of retail and commercial banking products and services to individuals, small to medium-sized businesses, real estate developers, contractors, and professionals. The bank's deposit products include checking, rewards checking, savings, and money market deposit accounts, as well as individual retirement accounts and certificates of deposit. Its loan portfolio encompasses commercial and residential real estate lending, commercial and industrial loans, consumer loans, and SBA loans. Altabank also offers credit and debit cards, investment securities, and a suite of digital banking services, including mobile and Internet banking, treasury management, and remote deposit capture. With 26 retail branches located in Utah and southern Idaho, Altabank focuses on building strong relationships with its local communities while leveraging technology to enhance customer experience and operational efficiency.
What Products and Services Does ALTA Offer?
- Accepts deposits from individuals and businesses, including checking, savings, and money market accounts.
- Provides commercial and residential real estate loans, including construction and mortgage financing.
- Offers commercial and industrial loans to small and medium-sized businesses.
- Provides consumer loans, such as home equity, auto, and personal loans.
- Offers SBA loans to support small business growth.
- Provides credit and debit cards to customers.
- Offers investment securities, including U.S. Agency issues and municipal bonds.
- Provides digital banking services, including mobile and online banking.
How Does ALTA Make Money?
- Generates revenue primarily through net interest income, which is the difference between interest earned on loans and interest paid on deposits.
- Earns fee income from services such as credit card processing, treasury management, and wealth management.
- Invests in securities to generate additional income.
- Manages risk through diversification of loan portfolio and hedging strategies.
What Industry Does ALTA Operate In?
Altabancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. Regional banks like Altabancorp compete with larger national banks, credit unions, and fintech companies. The trend towards digital banking is reshaping the competitive landscape, requiring banks to invest in technology and enhance their online and mobile offerings. The regional banking sector is expected to see moderate growth, driven by increased lending activity and economic expansion in specific geographic areas.
Who Are ALTA's Key Customers?
- Small to medium-sized businesses in Utah and southern Idaho.
- Real estate developers and contractors.
- Individuals and families.
- Professionals and professional firms.
Company Profile
Altabancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in American Fork, US. The company is led by CEO Len E. Williams. ALTA has traded publicly since 2015.
ALTA Valuation & Market Position
Relative to its peer group, ALTA's quantitative score of 46/100 is below the peer average of 85/100.
Key Financial Metrics
Return on equity for Altabancorp stands at 12.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. ALTA trades at a trailing price-to-earnings ratio of 19.08, roughly in line with the Financial Services sector average of ~18x. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.2%, the inverse of the P/E and a quick read on earnings relative to price.
ALTA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Altabancorp's future performance, indicating that those closest to the company believe in its growth potential.
- Community sentiment has shifted positively, with discussions highlighting Altabancorp's strong customer service and community engagement as key strengths.
- Analysts are noting a stable demand for Altabancorp's services, which positions the company well against competitors in the regional banking sector.
- Recent developments in the local economy are favorable, creating a more supportive environment for Altabancorp's growth strategies.
Bear Case
- Concerns have arisen about potential regulatory changes that could impact Altabancorp's operational flexibility and profitability.
- Social sentiment reflects skepticism around the bank's ability to adapt to changing market conditions, with some community members expressing doubts about its innovation.
- Recent discussions in trading forums highlight a perceived lack of diversification in Altabancorp's portfolio, raising concerns about long-term sustainability.
- Insider selling activity has been noted, which can signal potential issues or a lack of confidence among executives regarding future performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
ALTA Latest News
No recent news available for ALTA.
ALTA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ALTA.
Price Targets
Wall Street price target analysis for ALTA.
ALTA MoonshotScore
What does this score mean?
The MoonshotScore rates ALTA 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Len E. Williams
CEO
Len E. Williams serves as the CEO of Altabancorp, bringing extensive experience in the financial services industry. His career spans several leadership roles in banking, with a focus on strategic growth and operational efficiency. He has a strong background in commercial lending, risk management, and regulatory compliance. Williams is known for his commitment to community banking and building strong relationships with customers and stakeholders. His leadership emphasizes innovation and customer-centric solutions to drive sustainable growth.
Track Record: Under Len E. Williams' leadership, Altabancorp has focused on expanding its digital banking capabilities and strengthening its presence in key markets. He has overseen initiatives to improve customer service, enhance operational efficiency, and drive loan growth. Key milestones include the successful integration of new technologies and the expansion of the bank's commercial lending portfolio. He navigated the company through the name change from People's Utah Bancorp to Altabancorp in 2020.
ALTA Financial Services Stock FAQ
What does the AI Score mean for ALTA?
ALTA holds an AI Score of 46/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Altabancorp, through its subsidiary Altabank, provides a range of retail and commercial banking services to individuals and businesses in Utah and southern Idaho. Founded in 1905, the company …
What does Altabancorp do?
Altabancorp, through its subsidiary Altabank, operates as a state-chartered bank providing retail and commercial banking services. It offers a range of deposit products, including checking, savings, and money market accounts, as well as loan products such as commercial real estate, commercial and industrial, and consumer loans.
What do analysts say about ALTA stock?
Analyst coverage of Altabancorp is limited, but key valuation metrics include a P/E ratio of 19.1. Growth considerations center on the company's ability to expand its loan portfolio, manage interest rate risk, and compete with larger regional and national banks. The company's strong profit margin of 34.5% is a positive indicator. Investors should monitor the company's financial performance and regional economic conditions to assess its growth potential.
What are the main risks for ALTA?
Altabancorp faces several risks, including interest rate volatility, which can impact its net interest margin. Increased competition from larger banks and fintech companies poses a threat to its market share. An economic downturn in Utah and southern Idaho could lead to higher loan losses. Regulatory changes and compliance costs also present ongoing challenges. Effective risk management and strategic adaptation are crucial for Altabancorp to mitigate these risks.
How does Altabancorp make money in financial services?
Altabancorp primarily generates revenue through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The company also earns fee income from services such as credit card processing, treasury management, and wealth management. Additionally, Altabancorp invests in securities to generate additional income. Its ability to efficiently manage its interest rate spread and generate fee income is critical to its profitability.
How sensitive is ALTA to interest rate changes?
Altabancorp's profitability is sensitive to changes in interest rates. A rising interest rate environment can increase the company's net interest margin if it can reprice its loans faster than its deposits. Conversely, a falling interest rate environment can compress its net interest margin.
What are the key factors to evaluate for ALTA?
Altabancorp (ALTA) holds an AI score of 46/100 (low). P/E: 19.1x vs the S&P 500's ~20-25x. Altabancorp presents a compelling investment case due to its established presence in the growing Utah and southern Idaho markets. Not financial advice.
How frequently does ALTA data refresh on this page?
ALTA's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven ALTA's recent stock price performance?
Altabancorp (ALTA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in Utah and southern Idaho markets. See the News tab for the latest drivers. Past performance does not predict future results.
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.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest available reporting period.