Stock fact sheet · data as of
Alpine Banks of Colorado (ALPIB): fair value, margin of safety and Wheel Score
Financial Services · Banks · United States · Defensive
Is ALPIB undervalued?
ALPIB has a margin of safety of 30%: the stock closed at 48.25 on 16 Oct 2026 against a GLS average fair value of 69.00. 4 of the 9 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 9 models disagree widely: GLS Growth gives 10.06 while 10 Cap gives 215.92. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files ALPIB under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for ALPIB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 63.80 | +32% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 45.78 | -5% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 55.47 | +15% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 13.75 | -71% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 10.06 | -79% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 215.92 | +347% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 164.74 | +241% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 13.24 | -73% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 38.20 | -21% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -616.44 | -1378% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: ALPIB passes 4 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 4.7 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are moderate - ROIC 9.6%, ROE 12.0%, ROA 1.0% - with debt at 0.25 times equity and negative free cash flow.
The dividend yield is 1.87% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 9.6% |
|---|---|---|---|
| GLS Moat | 4.7 / 10 | ROE | 12.0% |
| Debt / equity | 0.25 | ROA | 1.0% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
ALPIB has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $395M, with a beta of 0.04 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 30% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 7 / 15 | moat 4.7/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $395M cap, beta 0.04 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for ALPIB in the nightly calendar. The shares go ex-dividend on 19 Oct 2026 (0.2300 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks
The 12 companies below are the closest to Alpine Banks of Colorado by market cap within the Banks industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CNND Canandaigua National Corporation | 220.00 | 582.91 | +62% | 39No options | $403M |
| FBAK First National Bank Alaska | 323.00 | 444.68 | +27% | 39No options | $1.0B |
| HARL Harleysville Financial Corporation | 33.40 | 42.11 | +21% | 39No options | $119M |
| FBVI FCN Banc Corp. | 37.00 | 52.00 | +29% | 39No options | $64M |
| LOGN Logansport Financial Corp. | 37.00 | 32.02 | -16% | 27No options | $23M |
| GVFF Greenville Federal Financial Corporation | 7.50 | 3.51 | -114% | 22No options | $15M |
| ITUB Itaú Unibanco Holding S.A. | 9.50 | 42.89 | +78% | 83Prime | $104.7B |
| AAC Ares Acquisition Corp. III Class A | 10.00 | - | - | 22No options | $395M |
| ISTR Investar Holding Corporation | 28.69 | 24.19 | -19% | 31No options | $395M |
| TRFOX T. Rowe Price Target Retirement 2050 Fund | 22.32 | 9,783.44 | +100% | 39No options | $393M |
| TACO Berto Acquisition Corp. | 10.47 | 3.81 | -175% | 7No options | $393M |
| VOLT Tema Electrification ETF | 35.14 | 3.73 | -843% | 27Weak | $392M |
⚖ Compare ALPIB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about ALPIB
Is ALPIB undervalued right now?
By the GLS models, yes: at 48.25 the stock is 30% below the average fair value of 69.00 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of ALPIB and what does it mean?
ALPIB has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for ALPIB?
69.00 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Alpine Banks of Colorado report earnings next?
No upcoming earnings date is recorded for ALPIB in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does ALPIB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on ALPIB, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.