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Alpine Banks of Colorado (ALPIB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Alpine Banks of Colorado stock $45.39, price $48.22, that is 5.9% below the price, quality 53 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

AB Alpine Banks of Colorado logo Some data Nov 7, 2026

Alpine Banks of Colorado

ALPIB · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Highly profitable · 27.1% net margin (TTM)
1.8% dividend yield · Low payout
Ranks above peers (8/13)
Profit last quarter +68% vs. a year ago.
Fair value $45.39 · Fairly valued (−5.9%)
Quality 53/100
Mixed Growth (revenue 5y +6.1 %/yr in USD)
Wide moat 69/100 · thin data
Some data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$50.87 $24.21 Fair Value $45.39 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $24.21 – $50.87 · fair‑value band $39.73 – $60.54 · the $48.22 price screens above the $45.39 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

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 certificates of deposit.

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It also provides various loan products, such as personal, term, business, student, auto, green, home mortgage, home equity, land and construction, commercial real estate, and small business administration loans; installment loans; personal lines of credit; and business lines of credit, as well as debit and credit cards.

In addition, the company offers wealth management, cash and online payment processing, lockbox, and remote check deposit services; treasury management services; and online banking services, such as business online and mobile app banking, and bill pay. Further, it owns commercial buildings.

Alpine Banks of Colorado was founded in 1973 and is based in Glenwood Springs, Colorado.

Stock analysis

Alpine Banks of Colorado (ALPIB) currently trades at $48.22, while our model-based Fair Value estimate is $45.39, so the stock looks roughly fairly valued today (gap 6.2%).

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Valuation

Bull case: the Multiples group reads highest at a median of $63.80 per share, and 2 of the 6 models we run sit above the $48.22 price.

Bear case: the Dividend Discount group reads lowest at $15.27, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $39.73 (bear) to $60.54 (bull), the price of $48.22 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Alpine Banks of Colorado reported revenue of $278M in FY2025 versus $220M in FY2021, a compound +6.1%/yr. Reported net income was $70.2M in FY2025, compounding +4.2%/yr from FY2021.

Key figures

Market cap $647M Small · P/E ratio 9.8 · P/S ratio 2.23 · EPS (TTM) $4.87 · Dividend yield 1.8% · Net margin 27.1% · Return on equity 13.7% · Return on assets (EBIT) 1.6% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).

What moves the price

The share trades about 5% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −6%, ALPIB screens cheaper than that median.

Fair Value models

Bear $39.73 Fair Value $45.39 Bull $60.54
Price $48.22 · Downside -5.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.41 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $39.73 $45.39 $60.54 75
Gordon GGM $8.57 $16.65 $24.57 65
DDM Multi-Stage $8.57 $13.89 $17.63 64
All 6 models by family
Dividend Discount
Gordon GGM $8.57 $16.65 $24.57 65
DDM Multi-Stage $8.57 $13.89 $17.63 64
Multiples
P/E Multiple $51.06 $68.09 $85.11 61
P/B Multiple $44.64 $59.51 $74.39 53
Asset-Based
NCAV (Graham) $21.25 $28.48 $42.51 52
Economic Profit
Residual Income $39.73 $45.39 $60.54 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 53/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 45
Are margins and returns getting better?
Cashflow 86
Do the profits arrive as real cash?
Financial strength 22
Debt, balance sheet and risk of trouble
Investment 76
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 50
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 75
Distance to the 52-week high, does not count
New shares 41
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+17.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.1%
Start year 2020 (pandemic). Over 10 years: +8.1% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−5.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.3%
Dividend (yield on the price)1.8%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside −5.9% · Above median
Profitability
Return on equity (12 months) 13.7% · Above median
Return on assets 1.0% · Above median
Net margin (12 months) 27.1% · Below median
Operating margin (12 months) 33.7% · Below median
Growth and dividend
Revenue growth (quarter YoY) 9.1% · Below median
Dividend yield (12 months) 1.8% · Below median
Balance sheet
Debt / equity 0.25× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.8× · Cheaper than median
P/B 1.10× · Cheaper than median
P/S (12 months) 2.23× · Cheapest 25%
Price / free cash flow (fiscal year) 8.2× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)25 · sector 8
FUTURE (revenue growth)46 · sector 47
PAST (return on equity)55 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)36 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs ALPIB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs ALPIB
BNP Paribas SA BNP €91.93 €106.01 +15% vs ALPIB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs ALPIB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs ALPIB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs ALPIB
Mizuho Financial Group MFG $9.40 $5.90 −37% vs ALPIB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs ALPIB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs ALPIB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs ALPIB

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Alpine Banks of Colorado: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Alpine Banks of Colorado Fair Value". https://www.fairvalue-calculator.com/stock/ALPIB

Frequently asked questions

Is Alpine Banks of Colorado (ALPIB) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $45.39 versus a price of $48.22, about 6% lower (fairly valued).
What is the fair value of ALPIB?
Our model-based fair value for Alpine Banks of Colorado is $45.39 (as of Nov 7, 2026), built from audited fundamentals. The current price: $48.22.
What is the quality score of ALPIB?
Alpine Banks of Colorado has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Alpine Banks of Colorado (ALPIB)?
Our model-based price target is the fair value of $45.39 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $39.73, optimistic scenario $60.54. It is a calculation from audited fundamentals, not an analyst target.
What is the Alpine Banks of Colorado stock forecast for 2026?
Our models put fair value at $45.39, about 6% lower versus a price of $48.22 (fairly valued). Cautious scenario $39.73, optimistic scenario $60.54. The calculation is refreshed regularly with new filings.
What is the revenue of Alpine Banks of Colorado (ALPIB)?
Alpine Banks of Colorado reported trailing-twelve-month revenue of about $290M (latest available figure, as of Nov 7, 2026).
Does Alpine Banks of Colorado pay a dividend?
Alpine Banks of Colorado currently shows a dividend yield of 1.82% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Alpine Banks of Colorado (ALPIB) and when is the ex-dividend date?
Alpine Banks of Colorado pays a dividend of $0.88 per share a year, a dividend yield of 1.8%. The last ex-dividend date was Oct 19, 2026. A dividend has been paid every year since at least 2019. The payout ratio is 18.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Alpine Banks of Colorado (ALPIB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Alpine Banks of Colorado it is $45.39 per share (as of Nov 7, 2026), against a price of $48.22. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Alpine Banks of Colorado stock overvalued or undervalued in 2026?
As of Nov 7, 2026, ALPIB trades above its calculated fair value: price $48.22, fair value $45.39, a gap of about −6% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ALPIB?
No. The price is what the market pays today ($48.22); the fair value is what the company's own numbers justify ($45.39). For Alpine Banks of Colorado the two are $2.83 per share apart. That gap is exactly why we show both numbers side by side.
How much is Alpine Banks of Colorado worth?
The market values Alpine Banks of Colorado at about $647M (market capitalisation, as of Nov 7, 2026). Per share that is $48.22; our models calculate a fair value of $45.39 per share.
What do the bullish and bearish scenarios say about ALPIB?
Our models span a range for Alpine Banks of Colorado: cautious scenario $39.73, base $45.39, optimistic $60.54 per share (as of Nov 7, 2026, price $48.22). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ALPIB?
Alpine Banks of Colorado trades at a price-to-earnings ratio of 9.8 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $45.39 is built from several models across several years. Other multiples: P/B 1.1, P/S 2.2.
How solid is the balance sheet of Alpine Banks of Colorado (ALPIB)?
Balance-sheet figures for Alpine Banks of Colorado (as of Nov 7, 2026): return on equity 13.7%, debt of 0.25 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is ALPIB from its 52-week high?
Alpine Banks of Colorado trades at $48.22, about 5% below its 52-week high of $50.87 and 36% above the low of $35.52 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $45.39 is for.
Which stocks are comparable to Alpine Banks of Colorado?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Alpine Banks of Colorado stock attractive at the current price?
The data as of Nov 7, 2026: price $48.22, calculated fair value $45.39 (−6%), Quality Score 53/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ALPIB calculated?
We run Alpine Banks of Colorado through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $45.39 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Alpine Banks of Colorado itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Alpine Banks of Colorado (ALPIB)?
The closing price on Nov 6, 2026 was $48.22. Our model-based fair value is $45.39, about 6% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Alpine Banks of Colorado right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Alpine Banks of Colorado

How large is the market capitalisation of Alpine Banks of Colorado (ALPIB)?
The market capitalisation of Alpine Banks of Colorado is $647M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Alpine Banks of Colorado (ALPIB)?
The price-to-sales ratio of Alpine Banks of Colorado is 2.23 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Alpine Banks of Colorado (ALPIB)?
Earnings per share at Alpine Banks of Colorado are $4.87 (price ÷ EPS = P/E 9.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Alpine Banks of Colorado (ALPIB)?
The dividend yield of Alpine Banks of Colorado is 1.8% (payout 18.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Alpine Banks of Colorado (ALPIB)?
The net margin of Alpine Banks of Colorado is 27.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Alpine Banks of Colorado (ALPIB)?
The return on equity (ROE) of Alpine Banks of Colorado is 13.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Alpine Banks of Colorado (ALPIB)?
On an EBIT basis the return on assets of Alpine Banks of Colorado is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Alpine Banks of Colorado (ALPIB)?
The operating margin of Alpine Banks of Colorado is 33.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Alpine Banks of Colorado (ALPIB)?
Revenue at Alpine Banks of Colorado is growing +9.1% versus a year earlier (3y avg +4.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Alpine Banks of Colorado (ALPIB)?
Earnings per share at Alpine Banks of Colorado are growing +68.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Alpine Banks of Colorado (ALPIB) generate?
The free cash flow of Alpine Banks of Colorado is $79.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Alpine Banks of Colorado (ALPIB) carry?
The net debt of Alpine Banks of Colorado is $125M (fiscal year 2022, ≈ 1.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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