Alpine Banks of ColoradoALPIB +0.60%49 Return-on-Tangible-Asset is 1.19% as of Mar. 2026, which is 13% above its 10-year median of 1.05. GuruFocus rates ALPIB with a GF Score™ of 49/100 and a GF Value™ of $30.19 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,530 Banks companies, Alpine Banks of Colorado ranks better than 59.41% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Alpine Banks of Colorado's annualizedNet Income for the quarter that ended in Mar. 2026 was $80.8 Mil. Alpine Banks of Colorado's average total tangible assets for the quarter that ended in Mar. 2026 was $6,803.6 Mil. Therefore, Alpine Banks of Colorado's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.19%.
The historical rank and industry rank for Alpine Banks of Colorado's Return-on-Tangible-Asset or its related term are showing as below:
ALPIB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.77 Med: 1.05 Max: 1.51
Current: 1.13
During the past 7 years, Alpine Banks of Colorado's highest Return-on-Tangible-Asset was 1.51%. The lowest was 0.77%. And the median was 1.05%.
ALPIB's Return-on-Tangible-Asset is ranked better than 59.41% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs ALPIB: 1.13
Alpine Banks of Colorado (OTCPK:ALPIB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Alpine Banks of Colorado Return-on-Tangible-Asset Related Terms
Alpine Banks of Colorado Return-on-Tangible-Asset Historical Data
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The historical data trend for Alpine Banks of Colorado's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
ALPIB vs MSBI, NFBK, AMBZ: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Alpine Banks of Colorado's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Alpine Banks of Colorado's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Alpine Banks of Colorado's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.19% mean?
Alpine Banks of Colorado (ALPIB) has a Return-on-Tangible-Asset of 1.19% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Alpine Banks of Colorado and its competitors. This is 13% above median its historical median of 1.05. Over the past decade, Alpine Banks of Colorado's Return-on-Tangible-Asset has ranged from 0.77 to 1.51. According to the industry distribution chart, Alpine Banks of Colorado ranks #621 out of 1530 companies in the Banks industry, placing it in the top 40.6%.
Is Alpine Banks of Colorado's Return-on-Tangible-Asset too high?
Alpine Banks of Colorado's current Return-on-Tangible-Asset of 1.19% is 13% above median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 1.51. The Banks industry median Return-on-Tangible-Asset is 0.99. Alpine Banks of Colorado's value of 1.19% is 20.2% above this industry median. Based on the distribution chart, Alpine Banks of Colorado ranks #621 out of 1530 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 Return-on-Tangible-Asset compare to MSBI and NFBK?
According to the Banks industry distribution chart, Alpine Banks of Colorado ranks #621 out of 1530 companies for Return-on-Tangible-Asset. This puts Alpine Banks of Colorado in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Alpine Banks of Colorado's value of 1.19% is 20.2% above this benchmark. Historically, Alpine Banks of Colorado's own Return-on-Tangible-Asset has ranged from 0.77 to 1.51 over the past decade. While the company's 10-year median is 1.05 vs. the industry median of 0.99, Alpine Banks of Colorado has consistently been above 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alpine Banks of Colorado's current Return-on-Tangible-Asset of 1.19% is 20.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Alpine Banks of Colorado and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alpine Banks of Colorado's current Return-on-Tangible-Asset is 1.19%, which is 13% above median its own 10-year median of 1.05. 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 $30.19, compared to a current price of $47.99 — trading 58.9% above its estimated fair value. The current Return-on-Tangible-Asset is 1.19%, which is 13% above median its 10-year median of 1.05 and 20.2% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Alpine Banks of Colorado (ALPIB), the current Return-on-Tangible-Asset is 1.19% 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 $47.99 is trading 58.9% above its estimated GF Value™ of $30.19.
GuruFocus considers Alpine Banks of Colorado to be Significantly Overvalued.
Key valuation signals for ALPIB:
Return-on-Tangible-Asset: 1.19% (13% above median its 10-year median of 1.05)
GF Value™: $30.19 vs. price of $47.99 (58.9% above fair value)
Industry Position: 20.2% above the Banks median (#621 of 1530)
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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