Alpine Banks of ColoradoALPIB 49 Return-on-Tangible-Equity is 13.97% as of Mar. 2026, which is 7% below its 10-year median of 14.97. GuruFocus rates ALPIB with a GF Scoreâ„¢ of 49/100 and a GF Valueâ„¢ of $30.36 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, Alpine Banks of Colorado ranks better than 67.21% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Alpine Banks of Colorado's annualized net income for the quarter that ended in Mar. 2026 was $80.8 Mil. Alpine Banks of Colorado's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $578.2 Mil. Therefore, Alpine Banks of Colorado's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.97%.
The historical rank and industry rank for Alpine Banks of Colorado's Return-on-Tangible-Equity or its related term are showing as below:
ALPIB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.6 Med: 14.97 Max: 18.17
Current: 13.87
During the past 7 years, Alpine Banks of Colorado's highest Return-on-Tangible-Equity was 18.17%. The lowest was 10.60%. And the median was 14.97%.
ALPIB's Return-on-Tangible-Equity is ranked better than 67.21% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs ALPIB: 13.87
Alpine Banks of Colorado (OTCPK:ALPIB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Alpine Banks of Colorado Return-on-Tangible-Equity Related Terms
Alpine Banks of Colorado Return-on-Tangible-Equity Historical Data
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The historical data trend for Alpine Banks of Colorado's Return-on-Tangible-Equity 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-Equity Chart
ALPIB vs MSBI, NFBK, AMBZ: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Alpine Banks of Colorado's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Alpine Banks of Colorado's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Alpine Banks of Colorado's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.97% mean?
Alpine Banks of Colorado (ALPIB) has a Return-on-Tangible-Equity of 13.97% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Alpine Banks of Colorado and its competitors. This is near median its historical median of 14.97. Over the past decade, Alpine Banks of Colorado's Return-on-Tangible-Equity has ranged from 10.60 to 18.17. According to the industry distribution chart, Alpine Banks of Colorado ranks #500 out of 1525 companies in the Banks industry, placing it in the top 32.8%.
Is Alpine Banks of Colorado's Return-on-Tangible-Equity too high?
Alpine Banks of Colorado's current Return-on-Tangible-Equity of 13.97% is near median its 10-year median of 14.97. Over the past 10 years, this metric has ranged from a low of 10.60 to a high of 18.17. The Banks industry median Return-on-Tangible-Equity is 11.20. Alpine Banks of Colorado's value of 13.97% is 24.7% above this industry median. Based on the distribution chart, Alpine Banks of Colorado ranks #500 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Alpine Banks of Colorado has a GF Scoreâ„¢ 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-Equity compare to MSBI and NFBK?
According to the Banks industry distribution chart, Alpine Banks of Colorado ranks #500 out of 1525 companies for Return-on-Tangible-Equity. This puts Alpine Banks of Colorado in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Alpine Banks of Colorado's value of 13.97% is 24.7% above this benchmark. Historically, Alpine Banks of Colorado's own Return-on-Tangible-Equity has ranged from 10.60 to 18.17 over the past decade. While the company's 10-year median is 14.97 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 13.97% is 24.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Alpine Banks of Colorado and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 13.97%, which is near median its own 10-year median of 14.97. 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 $30.36, compared to a current price of $47.98 — trading 58% above its estimated fair value. The current Return-on-Tangible-Equity is 13.97%, which is near median its 10-year median of 14.97 and 24.7% above the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Alpine Banks of Colorado (ALPIB), the current Return-on-Tangible-Equity is 13.97% 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 $47.98 is trading 58% above its estimated GF Value™ of $30.36.
GuruFocus considers Alpine Banks of Colorado to be Significantly Overvalued.
Key valuation signals for ALPIB:
Return-on-Tangible-Equity: 13.97% (near median its 10-year median of 14.97)
GF Value™: $30.36 vs. price of $47.98 (58% above fair value)
Industry Position: 24.7% above the Banks median (#500 of 1525)
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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