Alpine Banks of ColoradoALPIB +0.42%49 ROE % is 13.56% as of Mar. 2026, which is 5% below its 10-year median of 14.23. 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 1,523 Banks companies, Alpine Banks of Colorado ranks better than 72.23% on this metric.
The historical rank and industry rank for Alpine Banks of Colorado's ROE % or its related term are showing as below:
ALPIB'
s ROE % Range Over the Past 10 Years
Min: 10.21 Med: 14.23 Max: 17.41
Current: 13.44
During the past 7 years, Alpine Banks of Colorado's highest ROE % was 17.41%. The lowest was 10.21%. And the median was 14.23%.
ALPIB's ROE % is ranked better than 72.23% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs ALPIB: 13.44
Alpine Banks of Colorado (OTCPK:ALPIB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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.
For the Banks - Regional subindustry, Alpine Banks of Colorado's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Alpine Banks of Colorado's ROE % distribution charts can be found below:
* The bar in red indicates where Alpine Banks of Colorado's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Alpine Banks of Colorado (ALPIB) has a ROE % of 13.56% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Alpine Banks of Colorado and its competitors. This is near median its historical median of 14.23. Over the past decade, Alpine Banks of Colorado's ROE % has ranged from 10.21 to 17.41. According to the industry distribution chart, Alpine Banks of Colorado ranks #423 out of 1523 companies in the Banks industry, placing it in the top 27.8%.
Is Alpine Banks of Colorado's ROE % too high?
Alpine Banks of Colorado's current ROE % of 13.56% is near median its 10-year median of 14.23. Over the past 10 years, this metric has ranged from a low of 10.21 to a high of 17.41. The Banks industry median ROE % is 10.22. Alpine Banks of Colorado's value of 13.56% is 32.7% above this industry median. Based on the distribution chart, Alpine Banks of Colorado ranks #423 out of 1523 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 ROE % compare to TCBX and WASH?
According to the Banks industry distribution chart, Alpine Banks of Colorado ranks #423 out of 1523 companies for ROE %. This puts Alpine Banks of Colorado in the upper half of its industry. The industry median ROE % is 10.22. Alpine Banks of Colorado's value of 13.56% is 32.7% above this benchmark. Historically, Alpine Banks of Colorado's own ROE % has ranged from 10.21 to 17.41 over the past decade. While the company's 10-year median is 14.23 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alpine Banks of Colorado's current ROE % of 13.56% is 32.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Alpine Banks of Colorado and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alpine Banks of Colorado's current ROE % is 13.56%, which is near median its own 10-year median of 14.23. 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 ROE % is 13.56%, which is near median its 10-year median of 14.23 and 32.7% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Alpine Banks of Colorado (ALPIB), the current ROE % is 13.56% 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:
ROE %: 13.56% (near median its 10-year median of 14.23)
GF Value™: $30.37 vs. price of $47.40 (56.1% above fair value)
Industry Position: 32.7% above the Banks median (#423 of 1523)
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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