Alpine Banks of Colorado Logo

Alpine Banks of Colorado

ALPIB

(3.2)
Stock Price

34,23 USD

0.7% ROA

9.73% ROE

5.28x PER

Market Cap.

469.338.441,00 USD

24.79% DER

2.8% Yield

14.96% NPM

Alpine Banks of Colorado Stock Analysis

Alpine Banks of Colorado Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Alpine Banks of Colorado Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (18.18%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 PBV

The stock's low PBV ratio (0.52x) suggests it's undervalued, making it an attractive opportunity for investors.

3 DER

The stock has a low debt to equity ratio (50%), which means it has a small amount of debt compared to the ownership it holds

4 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

5 ROA

The stock's ROA (1.19%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

8 Dividend

The company's consistent dividend payments over the past three years indicate a strong commitment to delivering returns to investors.

9 Buffet Intrinsic Value

The company's stock seems undervalued (90) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

Alpine Banks of Colorado Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Alpine Banks of Colorado Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Alpine Banks of Colorado Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Alpine Banks of Colorado Revenue
Year Revenue Growth
2015 127.632.000
2016 139.038.000 8.2%
2017 163.302.000 14.86%
2018 188.171.000 13.22%
2019 198.206.000 5.06%
2020 207.521.000 4.49%
2021 219.639.000 5.52%
2022 242.845.000 9.56%
2023 231.132.000 -5.07%
2023 320.543.000 27.89%
2024 229.744.000 -39.52%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Alpine Banks of Colorado Research and Development Expenses
Year Research and Development Expenses Growth
2015 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Alpine Banks of Colorado General and Administrative Expenses
Year General and Administrative Expenses Growth
2015 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 69.635.000 100%
2020 73.744.000 5.57%
2021 78.631.000 6.22%
2022 81.845.000 3.93%
2023 89.652.000 8.71%
2023 88.179.000 -1.67%
2024 91.748.000 3.89%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Alpine Banks of Colorado EBITDA
Year EBITDA Growth
2015 39.000
2016 27.000 -44.44%
2017 6.000 -350%
2018 3.000 -100%
2019 78.948.000 100%
2020 70.504.000 -11.98%
2021 81.220.000 13.19%
2022 96.039.000 15.43%
2023 56.368.000 -70.38%
2023 7.502.000 -651.37%
2024 55.060.000 86.37%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Alpine Banks of Colorado Gross Profit
Year Gross Profit Growth
2015 127.632.000
2016 139.038.000 8.2%
2017 163.302.000 14.86%
2018 188.171.000 13.22%
2019 198.206.000 5.06%
2020 207.521.000 4.49%
2021 219.639.000 5.52%
2022 242.845.000 9.56%
2023 231.132.000 -5.07%
2023 320.543.000 27.89%
2024 229.744.000 -39.52%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Alpine Banks of Colorado Net Profit
Year Net Profit Growth
2015 27.624.000
2016 33.421.000 17.35%
2017 33.641.000 0.65%
2018 54.854.000 38.67%
2019 58.021.000 5.46%
2020 51.140.000 -13.46%
2021 59.646.000 14.26%
2022 73.354.000 18.69%
2023 46.992.000 -56.1%
2023 57.044.000 17.62%
2024 46.784.000 -21.93%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Alpine Banks of Colorado Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2015 2
2016 2 50%
2017 2 0%
2018 4 33.33%
2019 4 0%
2020 7 50%
2021 8 14.29%
2022 9 22.22%
2023 3 -350%
2023 7 66.67%
2024 3 -200%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Alpine Banks of Colorado Free Cashflow
Year Free Cashflow Growth
2015 20.073.000
2016 47.504.000 57.74%
2017 36.417.000 -30.44%
2018 40.884.000 10.93%
2019 46.454.000 11.99%
2020 17.442.000 -166.33%
2021 80.327.000 78.29%
2022 86.422.000 7.05%
2023 81.324.000 -6.27%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Alpine Banks of Colorado Operating Cashflow
Year Operating Cashflow Growth
2015 27.719.000
2016 51.790.000 46.48%
2017 48.152.000 -7.56%
2018 55.154.000 12.7%
2019 56.372.000 2.16%
2020 27.773.000 -102.97%
2021 86.305.000 67.82%
2022 100.851.000 14.42%
2023 94.346.000 -6.89%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Alpine Banks of Colorado Capital Expenditure
Year Capital Expenditure Growth
2015 7.646.000
2016 4.286.000 -78.39%
2017 11.735.000 63.48%
2018 14.270.000 17.76%
2019 9.918.000 -43.88%
2020 10.331.000 4%
2021 5.978.000 -72.82%
2022 14.429.000 58.57%
2023 13.022.000 -10.8%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Alpine Banks of Colorado Equity
Year Equity Growth
2015 213.627.000
2016 235.939.000 9.46%
2017 258.905.000 8.87%
2018 297.367.000 12.93%
2019 342.891.000 13.28%
2020 376.705.000 8.98%
2021 418.449.000 9.98%
2022 425.028.000 1.55%
2023 466.933.000 8.97%
2023 433.944.000 -7.6%
2024 481.142.000 9.81%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Alpine Banks of Colorado Assets
Year Assets Growth
2015 2.743.669.000
2016 3.056.987.000 10.25%
2017 3.485.677.000 12.3%
2018 3.714.999.000 6.17%
2019 3.867.650.000 3.95%
2020 5.178.258.000 25.31%
2021 6.218.621.000 16.73%
2022 6.317.255.000 1.56%
2023 6.426.928.000 1.71%
2023 6.468.100.000 0.64%
2024 6.471.712.000 0.06%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Alpine Banks of Colorado Liabilities
Year Liabilities Growth
2015 2.530.042.000
2016 2.821.048.000 10.32%
2017 3.226.772.000 12.57%
2018 3.417.632.000 5.58%
2019 3.524.759.000 3.04%
2020 4.801.553.000 26.59%
2021 5.800.172.000 17.22%
2022 5.892.227.000 1.56%
2023 5.959.995.000 1.14%
2023 6.034.156.000 1.23%
2024 5.990.570.000 -0.73%

Alpine Banks of Colorado Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
33.9
Net Income per Share
5.42
Price to Earning Ratio
5.28x
Price To Sales Ratio
1.66x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.5
EV to Sales
1.19
EV Over EBITDA
12.03
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.19
FreeCashFlow Yield
0
Market Cap
0,47 Bil.
Enterprise Value
0,33 Bil.
Graham Number
83.92
Graham NetNet
-600.29

Income Statement Metrics

Net Income per Share
5.42
Income Quality
0
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.84
EBT Per Ebit
1.31
Ebit per Revenue
0.14
Effective Tax Rate
0.16

Margins

Sales, General, & Administrative to Revenue
0.32
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1
Operating Profit Margin
0.14
Pretax Profit Margin
0.18
Net Profit Margin
0.15

Dividends

Dividend Yield
0.03
Dividend Yield %
2.8
Payout Ratio
0
Dividend Per Share
0.8

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
37.95
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
9.62
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
116,98
Book Value per Share
57,82
Tangible Book Value per Share
55.7
Shareholders Equity per Share
57.77
Interest Debt per Share
27.25
Debt to Equity
0.25
Debt to Assets
0.02
Net Debt to EBITDA
-4.85
Current Ratio
120.88
Tangible Asset Value
0,46 Bil.
Net Current Asset Value
-4,99 Bil.
Invested Capital
1088496000
Working Capital
0,99 Bil.
Intangibles to Total Assets
0
Average Receivables
0,03 Bil.
Average Payables
0,01 Bil.
Average Inventory
187782500
Debt to Market Cap
0.25

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Alpine Banks of Colorado Dividends
Year Dividends Growth
2021 1
2022 1 0%
2023 1 0%
2024 1 0%

Alpine Banks of Colorado Profile

About Alpine Banks of Colorado

Alpine Banks of Colorado operates as the bank holding company for Alpine Bank that provides various 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, vehicle, green, home mortgage, home equity, land and construction, commercial real estate, small business administration, medical, installment, and term loans; letters and lines of credit; and business-ready reserve line of credit, as well as debit and credit cards. In addition, the company offers cash and wealth management, payment processing, lockbox, and remote deposit capture services; and electronic banking services, such as online and mobile banking. Further, it owns commercial buildings. Alpine Banks of Colorado was founded in 1973 and is based in Glenwood Springs, Colorado.

CEO
Mr. J. Robert Young
Employee
0
Address
2200 Grand Avenue
Glenwood Springs, 81601

Alpine Banks of Colorado Executives & BODs

Alpine Banks of Colorado Executives & BODs
# Name Age
1 Mr. Glen L. Jammaron
Vice Chairman & President
70
2 Mr. J. Robert Young
Chairman & Chief Executive Officer
70
3 Mr. Glenn W. Davis
Chief Development Officer & Director
70
4 Ms. Darlene Livsey
Secretary & Treasurer
70
5 Mr. Eric A. Gardey
Chief Financial Officer & Director
70

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