Alpine Banks of ColoradoALPIB +0.42%49 Net Margin % is 25.76% as of Mar. 2026, which is 2% above its 10-year median of 25.23. GuruFocus rates ALPIB with a GF Score™ of 49/100 and a GF Value™ of $30.37 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Alpine Banks of Colorado ranks worse than 52.69% on this metric.
The historical rank and industry rank for Alpine Banks of Colorado's Net Margin % or its related term are showing as below:
ALPIB'
s Net Margin % Range Over the Past 10 Years
Min: 21.03 Med: 25.23 Max: 30.21
Current: 26.05
ALPIB's Net Margin % is ranked worse than 52.69% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs ALPIB: 26.05
Alpine Banks of Colorado (OTCPK:ALPIB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Alpine Banks of Colorado Net Margin % Related Terms
Alpine Banks of Colorado Net Margin % 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 TCBX, WASH, HIFS: Net Margin % Comparison
For the Banks - Regional subindustry, Alpine Banks of Colorado's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Alpine Banks of Colorado's Net Margin % distribution charts can be found below:
* The bar in red indicates where Alpine Banks of Colorado's Net Margin % 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 Net Margin % of 25.76% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Alpine Banks of Colorado and its competitors. This is near median its historical median of 25.23. Over the past decade, Alpine Banks of Colorado's Net Margin % has ranged from 21.03 to 30.21. According to the industry distribution chart, Alpine Banks of Colorado ranks #804 out of 1526 companies in the Banks industry, placing it in the top 52.7%.
Is Alpine Banks of Colorado's Net Margin % too high?
Alpine Banks of Colorado's current Net Margin % of 25.76% is near median its 10-year median of 25.23. Over the past 10 years, this metric has ranged from a low of 21.03 to a high of 30.21. The Banks industry median Net Margin % is 26.97. Alpine Banks of Colorado's value of 25.76% is 4.5% below this industry median. Based on the distribution chart, Alpine Banks of Colorado ranks #804 out of 1526 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 Net Margin % compare to TCBX and WASH?
According to the Banks industry distribution chart, Alpine Banks of Colorado ranks #804 out of 1526 companies for Net Margin %. This places Alpine Banks of Colorado in the lower half of its industry. The industry median Net Margin % is 26.97. Alpine Banks of Colorado's value of 25.76% is 4.5% below this benchmark. Historically, Alpine Banks of Colorado's own Net Margin % has ranged from 21.03 to 30.21 over the past decade. While the company's 10-year median is 25.23 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alpine Banks of Colorado's current Net Margin % of 25.76% is 4.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Alpine Banks of Colorado and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alpine Banks of Colorado's current Net Margin % is 25.76%, which is near median its own 10-year median of 25.23. 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 $30.37, compared to a current price of $47.40 — trading 56.1% above its estimated fair value. The current Net Margin % is 25.76%, which is near median its 10-year median of 25.23 and 4.5% below the Banks industry median of 26.97. Alpine Banks of Colorado's overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Alpine Banks of Colorado (ALPIB), the current Net Margin % is 25.76% 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 $47.40 is trading 56.1% above its estimated GF Value™ of $30.37.
GuruFocus considers Alpine Banks of Colorado to be Significantly Overvalued.
Key valuation signals for ALPIB:
Net Margin %: 25.76% (near median its 10-year median of 25.23)
GF Value™: $30.37 vs. price of $47.40 (56.1% above fair value)
Industry Position: 4.5% below the Banks median (#804 of 1526)
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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