Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Alpine Banks of Colorado's 3-Year RORE % for the quarter that ended in Mar. 2026 was 20.75%.
The industry rank for Alpine Banks of Colorado's 3-Year RORE % or its related term are showing as below:
ALPIB's 3-Year RORE % is ranked better than 71.74% of 1472
companies
in the Banks industry
Industry Median: 9.87
vs ALPIB: 20.75
Alpine Banks of Colorado (OTCPK:ALPIB) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Alpine Banks of Colorado 3-Year RORE % Related Terms
Alpine Banks of Colorado 3-Year RORE % 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 MSBI, NFBK, AMBZ: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Alpine Banks of Colorado's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Alpine Banks of Colorado's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Alpine Banks of Colorado's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Alpine Banks of Colorado (ALPIB) has a 3-Year RORE % of 20.75 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Alpine Banks of Colorado and its competitors. According to the industry distribution chart, Alpine Banks of Colorado ranks #416 out of 1472 companies in the Banks industry, placing it in the top 28.3%.
Is Alpine Banks of Colorado's 3-Year RORE % too high?
Alpine Banks of Colorado's current 3-Year RORE % is 20.75. The Banks industry median 3-Year RORE % is 9.87. Alpine Banks of Colorado's value of 20.75 is 110.2% above this industry median. Based on the distribution chart, Alpine Banks of Colorado ranks #416 out of 1472 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 3-Year RORE % compare to MSBI and NFBK?
According to the Banks industry distribution chart, Alpine Banks of Colorado ranks #416 out of 1472 companies for 3-Year RORE %. This puts Alpine Banks of Colorado in the upper half of its industry. The industry median 3-Year RORE % is 9.87. Alpine Banks of Colorado's value of 20.75 is 110.2% 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 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alpine Banks of Colorado's current 3-Year RORE % of 20.75 is 110.2% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Alpine Banks of Colorado and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alpine Banks of Colorado's current 3-Year RORE % is 20.75. 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 3-Year RORE % is 20.75 and 110.2% above the Banks industry median of 9.87. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Alpine Banks of Colorado (ALPIB), the current 3-Year RORE % is 20.75 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:
3-Year RORE %: 20.75
GF Value™: $30.36 vs. price of $47.98 (58% above fair value)
Industry Position: 110.2% above the Banks median (#416 of 1472)
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
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ALPIB has been successfully added to your 
