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Alpine Banks of ColoradoALPIB +1.53%49 Debt-to-Equity is 0.24 as of Mar. 2026, which is 17% below its 10-year median of 0.29. GuruFocus rates ALPIB with a GF Score™ of 49/100 and a GF Value™ of $30.04 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,423 Banks companies, Alpine Banks of Colorado ranks better than 72.38% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Alpine Banks of Colorado's Debt-to-Equity or its related term are showing as below:
ALPIB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.2 Med: 0.29 Max: 0.75
Current: 0.24
During the past 7 years, the highest Debt-to-Equity Ratio of Alpine Banks of Colorado was 0.75. The lowest was 0.20. And the median was 0.29.
ALPIB's Debt-to-Equity is ranked better than 72.38% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs ALPIB: 0.24
Alpine Banks of Colorado (OTCPK:ALPIB) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Alpine Banks of Colorado Debt-to-Equity Related Terms
Alpine Banks of Colorado Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ALPIB vs MSBI, NFBK, AMBZ: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Alpine Banks of Colorado's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Alpine Banks of Colorado Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Alpine Banks of Colorado's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Alpine Banks of Colorado's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Alpine Banks of Colorado (ALPIB) has a Debt-to-Equity of 0.24 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Alpine Banks of Colorado and its competitors. This is 17% below median its historical median of 0.29. Over the past decade, Alpine Banks of Colorado's Debt-to-Equity has ranged from 0.20 to 0.75. According to the industry distribution chart, Alpine Banks of Colorado ranks #393 out of 1423 companies in the Banks industry, placing it in the top 27.6%.
Is Alpine Banks of Colorado's Debt-to-Equity too high?
Alpine Banks of Colorado's current Debt-to-Equity of 0.24 is 17% below median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 0.75. The Banks industry median Debt-to-Equity is 0.56. Alpine Banks of Colorado's value of 0.24 is 57.1% below this industry median. Based on the distribution chart, Alpine Banks of Colorado ranks #393 out of 1423 companies in the Banks industry, which is above the industry midpoint. Overall, Alpine Banks of Colorado has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alpine Banks of Colorado's Debt-to-Equity compare to MSBI and NFBK?
According to the Banks industry distribution chart, Alpine Banks of Colorado ranks #393 out of 1423 companies for Debt-to-Equity. This puts Alpine Banks of Colorado in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Alpine Banks of Colorado's value of 0.24 is 57.1% below this benchmark. Historically, Alpine Banks of Colorado's own Debt-to-Equity has ranged from 0.20 to 0.75 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.56, Alpine Banks of Colorado has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alpine Banks of Colorado's current Debt-to-Equity of 0.24 is 57.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Alpine Banks of Colorado and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alpine Banks of Colorado's current Debt-to-Equity is 0.24, which is 17% below median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alpine Banks of Colorado stock overvalued right now?
Based on GuruFocus' analysis, Alpine Banks of Colorado (ALPIB) is currently considered Significantly Overvalued. The stock's GF Value™ is $30.04, compared to a current price of $49.24 — trading 63.9% above its estimated fair value. The current Debt-to-Equity is 0.24, which is 17% below median its 10-year median of 0.29 and 57.1% below the Banks industry median of 0.56. Alpine Banks of Colorado's overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Alpine Banks of Colorado (ALPIB), the current Debt-to-Equity is 0.24 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Alpine Banks of Colorado (ALPIB) Overvalued in 2026?
Based on GuruFocus' analysis, Alpine Banks of Colorado stock appears to be overvalued.
The current stock price of $49.24 is trading 63.9% above its estimated GF Value™ of $30.04.
GuruFocus considers Alpine Banks of Colorado to be Significantly Overvalued.
Key valuation signals for ALPIB:
Debt-to-Equity: 0.24 (17% below median its 10-year median of 0.29)
GF Value™: $30.04 vs. price of $49.24 (63.9% above fair value)
Industry Position: 57.1% below the Banks median (#393 of 1423)
No single metric tells the full story. See the ALPIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alpine Banks of Colorado is engaged in providing personal, business, wealth management, mortgage, and electronic banking services. The company also offers Personal Checking, Personal Loans. Digital Banking, credit cards, debit cards, merchant services Business Checking, Business Loans, and Other bank related services.
49GF Score
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