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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Alpine Banks of Colorado's Intrinsic Value: Projected FCF or its related term are showing as below:
ALPIB'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.56 Med: 0.58 Max: 0.76
Current: 0.76
During the past 8 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Alpine Banks of Colorado was 0.76. The lowest was 0.56. And the median was 0.58.
ALPIB's Price-to-Projected-FCF is ranked worse than 66.92% of 1294
companies
in the Banks industry
Industry Median: 0.6
vs ALPIB: 0.76
Alpine Banks of Colorado (OTCPK:ALPIB) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Alpine Banks of Colorado's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
49.95
/
65.859411894803
=
0.76
* 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 Intrinsic Value: Projected FCF Related Terms
Alpine Banks of Colorado Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Alpine Banks of Colorado's Intrinsic Value: Projected FCF can be seen below:
* 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 Intrinsic Value: Projected FCF Chart
ALPIB vs THVB, RRBI, BHB: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Alpine Banks of Colorado's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Alpine Banks of Colorado's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Alpine Banks of Colorado's Price-to-Projected-FCF falls into.
Alpine Banks of Colorado Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $65.86 mean?
Alpine Banks of Colorado (ALPIB) has a Intrinsic Value: Projected FCF of $65.86 as of Sep. 03, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Alpine Banks of Colorado and its competitors. According to the industry distribution chart, Alpine Banks of Colorado ranks #866 out of 1294 companies in the Banks industry, placing it in the top 66.9%.
Is Alpine Banks of Colorado's Intrinsic Value: Projected FCF too high?
Alpine Banks of Colorado's current Intrinsic Value: Projected FCF is $65.86. The Banks industry median Intrinsic Value: Projected FCF is 0.60. Alpine Banks of Colorado's value of $65.86 is 10876.7% above this industry median. Based on the distribution chart, Alpine Banks of Colorado ranks #866 out of 1294 companies in the Banks industry, which is below 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 Intrinsic Value: Projected FCF compare to THVB and RRBI?
According to the Banks industry distribution chart, Alpine Banks of Colorado ranks #866 out of 1294 companies for Intrinsic Value: Projected FCF. This places Alpine Banks of Colorado in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. Alpine Banks of Colorado's value of $65.86 is 10876.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,294 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alpine Banks of Colorado's current Intrinsic Value: Projected FCF of $65.86 is 10876.7% above 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Alpine Banks of Colorado and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alpine Banks of Colorado's current Intrinsic Value: Projected FCF is $65.86. 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 $33.07, compared to a current price of $49.95 — trading 51% above its estimated fair value. The current Intrinsic Value: Projected FCF is $65.86 and 10876.7% above the Banks industry median of 0.60. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Alpine Banks of Colorado (ALPIB), the current Intrinsic Value: Projected FCF is $65.86 as of Sep. 03, 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 $49.95 is trading 51% above its estimated GF Value™ of $33.07.
GuruFocus considers Alpine Banks of Colorado to be Significantly Overvalued.
Key valuation signals for ALPIB:
Intrinsic Value: Projected FCF: $65.86
GF Value™: $33.07 vs. price of $49.95 (51% above fair value)
Industry Position: 10876.7% above the Banks median (#866 of 1294)
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
Get the complete analysis for ALPIB
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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