Alkami Technology, Inc. (ALKT) Stock Analysis

Q: What is the ALKT stock price target?

Take-profit $18.85 (+12.5% upside). Prior stop was $15.59.

Q: What are the risks of investing in ALKT?

Concentration risk — Supplier: AWS; Quality below floor (3.8 < 4.0); Quality below floor (3.8 < 4.0); Reward/Risk 1.1:1 at current price — below 1.5:1 minimum.

Q: Is ALKT overvalued or undervalued?

Alkami Technology, Inc. trades at a P/E of N/A (forward 15.0). TrendMatrix value score: 7.9/10. Overall verdict: Sell.

Q: What do analysts say about ALKT?

16 analysts cover ALKT with a consensus score of 4.1/5. Average price target: $22.

Q: What does Alkami Technology, Inc. do?

Alkami provides a cloud-based SaaS digital banking platform to community, regional, and super-regional banks and credit unions across the U.S., serving 301 financial institutions and 22.4M registered users as of Dec 31, 2025. Revenue is predominantly from multi-year per-registered-user subscription contracts, with SaaS representing 95% of $443.6M total 2025 revenues.

Range Bound setup

SellModerate ConfidenceUpdated 15 hr ago (May 20, 2026, 1:36 AM ET)

Technology · Software - Application

Sell if holding. Engine safety override at $16.76: Quality below floor (3.8 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 6.0/10. Specifically: Elevated put/call ratio: 2.20; Below-average business quality; Below long-term trend.

Alkami provides a cloud-based SaaS digital banking platform to community, regional, and super-regional banks and credit unions across the U.S., serving 301 financial institutions and 22.4M registered users as of Dec 31, 2025. Revenue is predominantly from multi-year... Read more

$16.76+12.5% A.UpsideScore 6.0/10#26 of 98 Software - Application

QualityF-score6 / 9FCF yield3.60%

Stop $15.59Target $18.85(analyst − 13%)A.R:R 1.1:1

Analyst target$21.67+29.3%9 analysts

$18.85our TP

$16.76price

$21.67mean

$27

Passes 6/10 gates (positive momentum, no SEC red flags, news events none recent, earnings proximity 71d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and clean insider activity and death cross (50MA < 200MA). Suitability: aggressive.

Recent Developments — Alkami Technology, Inc.

Latest news

Citizens Maintains Market Outperform on Alkami Technology, Lowers Price Target to $23 — benzinga Apr 30, 2026 positive
Alkami Technology Sees Q2 Sales $128.000M-$129.000M vs $130.700M Est — benzinga Apr 29, 2026 negative
Alkami Technology Raises FY2026 Sales Guidance from $525.500M-$530.500M to $527.100M-$530.900M vs $528.633M Est — benzinga Apr 29, 2026 neutral
Alkami Technology Announces $100M Buyback Plan — benzinga Apr 29, 2026 positive
Alkami Technology Q1 Adj. EPS $0.17 Misses $0.18 Estimate, Sales $126.138M Beat $125.447M Estimate — benzinga Apr 29, 2026 neutral

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards

No bull case signals

Risks

Concentration risk — Supplier: AWS

Quality below floor (3.8 < 4.0)

Key Metrics

P/E (TTM)—

P/E (Fwd)15.0

Mkt Cap$1.8B

EV/EBITDA-68.9

Profit Mgn-10.6%

ROE-14.1%

Rev Growth28.9%

Beta0.54

DividendNone

Rating analysts16

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

P/C2.20bearish

IV67%elevated

Concentration Risks(10-K Item 1A)

HIGHSupplierAWS
10-K Item 1A: 'We primarily serve our clients from third-party data center hosting facilities provided by AWS... we cannot easily switch our AWS operations to another cloud provider'

Material Events(8-K, last 90d)

2026-04-01Item 5.02LOW
Board appointed Jeffrey Fox and Judson Linville as new independent directors, effective following the 2026 Annual Meeting. Both will serve as Class I and III directors respectively. No officer departures.
SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

3 floor-breakers·1 ceiling hit

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value7.915%1.19

Quality3.815%0.57

Growth9.715%1.45

Momentum4.910%0.49

Sentiment6.110%0.61

Insider Activity7.110%0.71

Peer Rank3.610%0.36

Technical Setup3.35%0.17

Risk Profile4.05%0.20

Catalyst5.65%0.28

Overall (Σ contributions)6.03

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

52w Position

0.6

Support Resistance

4.5

Bollinger

4.7

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Quality Rank

1.5

Value Rank

4.6

Growth Rank

8.2

Industry growth leader

Unprofitable operations — net margin -10.6%. Quality floor flags this regardless of sector context.static

Roe

0.0

Roa

0.0

Operating Margin

0.0

Net Margin

0.0

Moat

5.8

Fcf Quality

6.0

Piotroski F

6.7

Gross Margin

7.6

Current Ratio

7.9

FCF-positive but moderate margins (FCF margin 14%, FCF yield 3.6%)

GatesA.R:R 1.1 < 1.5@spotINSIDER 13.99%=EXTREMEDeath cross (50MA < 200MA)Momentum 4.9<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.9>=4.5No SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 71d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Aggressive

RSI

53 · Neutral

↑ 20D MA↓ 50D MA↓ 200D MADEATH CROSSSupport $15.06Resistance $18.16

Price Targets

$16

$19

A.Upside+12.5%

A.R:R1.1:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeSteady

Risk Alerts

! Quality below floor (3.8 < 4.0)

! Reward/Risk 1.1:1 at current price — below 1.5:1 minimum

! Insider activity: 13.99%=extreme

Earnings

1/4 beats

Next Earnings2026-07-29 (71d)

Verdict History

reverse chrono — latest first

Loading history...

Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.

Frequently Asked Questions

Is ALKT stock a buy right now?

Sell if holding. Engine safety override at $16.76: Quality below floor (3.8 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 6.0/10. Specifically: Elevated put/call ratio: 2.20; Below-average business quality; Below long-term trend. Chart setup: RSI 53 mid-range, Bollinger mid-band. Prior stop was $15.59. Score 6.0/10, moderate confidence.

What is the ALKT stock price target?

Take-profit target: $18.85 (+12.5% upside). Prior stop was $15.59. Stop-loss: $15.59.

What are the risks of investing in ALKT?

Concentration risk — Supplier: AWS; Quality below floor (3.8 < 4.0).

Is ALKT overvalued or undervalued?

Alkami Technology, Inc. trades at a P/E of N/A (forward 15.0). TrendMatrix value score: 7.9/10. Verdict: Sell.

What do analysts say about ALKT?

16 analysts cover ALKT with a consensus score of 4.1/5. Average price target: $22.

What does Alkami Technology, Inc. do?Alkami provides a cloud-based SaaS digital banking platform to community, regional, and super-regional banks and credit...