WESTERN ALLIANCE BANCORP (WAL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WAL - US9576381092 - Common Stock
82.14 USD
+1.09 (+1.34%)
Taking everything into account, WAL scores 4 out of 10 in our fundamental rating. WAL was compared to 387 industry peers in the Banks industry. WAL may be in some trouble as it scores bad on both profitability and health. WAL is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
WAL had positive earnings in the past year.
In the past year WAL has reported a negative cash flow from operations.
Each year in the past 5 years WAL has been profitable.
In multiple years WAL reported negative operating cash flow during the last 5 years.
1.2 Ratios
WAL has a Return On Assets (0.98%) which is comparable to the rest of the industry.
WAL has a Return On Equity of 11.99%. This is amongst the best in the industry. WAL outperforms 81.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 11.99% | ||
| ROIC | N/A |
ROA(3y)1.17%
ROA(5y)1.3%
ROE(3y)14.24%
ROE(5y)15.12%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 26.08%, WAL is in the better half of the industry, outperforming 61.50% of the companies in the same industry.
In the last couple of years the Profit Margin of WAL has declined.
WAL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.08% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.85%
PM growth 5Y-11.51%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WAL does not have a ROIC to compare to the WACC, probably because it is not profitable.
WAL has more shares outstanding than it did 1 year ago.
The number of shares outstanding for WAL has been increased compared to 5 years ago.
The debt/assets ratio for WAL is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.49 indicates that WAL is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.49, WAL is doing worse than 76.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.61%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.31% over the past year.
WAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.21% yearly.
WAL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.13%.
The Revenue has been growing by 23.39% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)13.31%
EPS 3Y-6.09%
EPS 5Y8.21%
EPS Q2Q%26.67%
Revenue 1Y (TTM)13.13%
Revenue growth 3Y17.42%
Revenue growth 5Y23.39%
Sales Q2Q%13.98%
3.2 Future
WAL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.46% yearly.
Based on estimates for the next years, WAL will show a quite strong growth in Revenue. The Revenue will grow by 9.07% on average per year.
EPS Next Y20.27%
EPS Next 2Y21.04%
EPS Next 3Y18.46%
EPS Next 5YN/A
Revenue Next Year10.63%
Revenue Next 2Y9.83%
Revenue Next 3Y9.07%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
WAL is valuated reasonably with a Price/Earnings ratio of 10.15.
77.26% of the companies in the same industry are more expensive than WAL, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.98. WAL is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.81, which indicates a rather cheap valuation of WAL.
WAL's Price/Forward Earnings ratio is rather cheap when compared to the industry. WAL is cheaper than 87.08% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.79. WAL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 7.81 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WAL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
WAL's earnings are expected to grow with 18.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)1.24
EPS Next 2Y21.04%
EPS Next 3Y18.46%
5. Dividend
5.1 Amount
WAL has a Yearly Dividend Yield of 2.18%.
Compared to an average industry Dividend Yield of 3.33, WAL is paying slightly less dividend.
WAL's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.18% |
5.2 History
The dividend of WAL is nicely growing with an annual growth rate of 26.70%!
WAL has been paying a dividend for over 5 years, so it has already some track record.
As WAL did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)26.7%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
20.34% of the earnings are spent on dividend by WAL. This is a low number and sustainable payout ratio.
The dividend of WAL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP20.34%
EPS Next 2Y21.04%
EPS Next 3Y18.46%
NYSE:WAL (11/26/2025, 3:07:38 PM)
82.14
+1.09 (+1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners90.5%
Inst Owner Change0.55%
Ins Owners2.25%
Ins Owner Change0.07%
Market Cap9.07B
Revenue(TTM)3.40B
Net Income(TTM)887.00M
Analysts83
Price Target102.19 (24.41%)
Short Float %4.12%
Short Ratio3.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.18% |
Yearly Dividend1.61
Dividend Growth(5Y)26.7%
DP20.34%
Div Incr Years5
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.66%
Min EPS beat(2)1.11%
Max EPS beat(2)8.21%
EPS beat(4)3
Avg EPS beat(4)2.72%
Min EPS beat(4)-0.51%
Max EPS beat(4)8.21%
EPS beat(8)5
Avg EPS beat(8)1%
EPS beat(12)6
Avg EPS beat(12)1.07%
EPS beat(16)8
Avg EPS beat(16)0.85%
Revenue beat(2)1
Avg Revenue beat(2)2.13%
Min Revenue beat(2)-0.09%
Max Revenue beat(2)4.35%
Revenue beat(4)2
Avg Revenue beat(4)1.14%
Min Revenue beat(4)-2.74%
Max Revenue beat(4)4.35%
Revenue beat(8)5
Avg Revenue beat(8)0.98%
Revenue beat(12)7
Avg Revenue beat(12)-0.65%
Revenue beat(16)9
Avg Revenue beat(16)-0.52%
PT rev (1m)0.46%
PT rev (3m)4.44%
EPS NQ rev (1m)-2.36%
EPS NQ rev (3m)-1.18%
EPS NY rev (1m)1.87%
EPS NY rev (3m)1.99%
Revenue NQ rev (1m)0.15%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)1.36%
Revenue NY rev (3m)1.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 7.81 | ||
| P/S | 2.67 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.23 | ||
| P/tB | 1.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.09
EY9.85%
EPS(NY)10.52
Fwd EY12.81%
FCF(TTM)-30.11
FCFYN/A
OCF(TTM)-29.27
OCFYN/A
SpS30.81
BVpS67.02
TBVpS50.13
PEG (NY)0.5
PEG (5Y)1.24
Graham Number110.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 11.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.08% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)1.17%
ROA(5y)1.3%
ROE(3y)14.24%
ROE(5y)15.12%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.85%
PM growth 5Y-11.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 101.87% | ||
| Cap/Sales | 2.72% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC14.61%
ROIC/WACCN/A
Cap/Depr(3y)179.76%
Cap/Depr(5y)172.45%
Cap/Sales(3y)4.19%
Cap/Sales(5y)3.66%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.31%
EPS 3Y-6.09%
EPS 5Y8.21%
EPS Q2Q%26.67%
EPS Next Y20.27%
EPS Next 2Y21.04%
EPS Next 3Y18.46%
EPS Next 5YN/A
Revenue 1Y (TTM)13.13%
Revenue growth 3Y17.42%
Revenue growth 5Y23.39%
Sales Q2Q%13.98%
Revenue Next Year10.63%
Revenue Next 2Y9.83%
Revenue Next 3Y9.07%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17209.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2692.94%
OCF growth 3YN/A
OCF growth 5YN/A
WESTERN ALLIANCE BANCORP / WAL FAQ
What is the fundamental rating for WAL stock?
ChartMill assigns a fundamental rating of 4 / 10 to WAL.
Can you provide the valuation status for WESTERN ALLIANCE BANCORP?
ChartMill assigns a valuation rating of 6 / 10 to WESTERN ALLIANCE BANCORP (WAL). This can be considered as Fairly Valued.
Can you provide the profitability details for WESTERN ALLIANCE BANCORP?
WESTERN ALLIANCE BANCORP (WAL) has a profitability rating of 3 / 10.
What are the PE and PB ratios of WESTERN ALLIANCE BANCORP (WAL) stock?
The Price/Earnings (PE) ratio for WESTERN ALLIANCE BANCORP (WAL) is 10.15 and the Price/Book (PB) ratio is 1.23.
Is the dividend of WESTERN ALLIANCE BANCORP sustainable?
The dividend rating of WESTERN ALLIANCE BANCORP (WAL) is 5 / 10 and the dividend payout ratio is 20.34%.