WESTERN ALLIANCE BANCORP (WAL) Stock Fundamental Analysis

NYSE:WAL • US9576381092

87.13 USD
-0.49 (-0.56%)
Last: Feb 24, 2026, 12:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

WAL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. WAL has a bad profitability rating. Also its financial health evaluation is rather negative. WAL is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • WAL had positive earnings in the past year.
  • WAL had a negative operating cash flow in the past year.
  • Each year in the past 5 years WAL has been profitable.
  • WAL had negative operating cash flow in 4 of the past 5 years.
WAL Yearly Net Income VS EBIT VS OCF VS FCFWAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B -2B

1.2 Ratios

  • With a Return On Assets value of 0.98%, WAL perfoms like the industry average, outperforming 56.73% of the companies in the same industry.
  • WAL has a better Return On Equity (11.99%) than 81.27% of its industry peers.
Industry RankSector Rank
ROA 0.98%
ROE 11.99%
ROIC N/A
ROA(3y)1%
ROA(5y)1.23%
ROE(3y)11.91%
ROE(5y)14.65%
ROIC(3y)N/A
ROIC(5y)N/A
WAL Yearly ROA, ROE, ROICWAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • WAL has a better Profit Margin (26.08%) than 60.42% of its industry peers.
  • WAL's Profit Margin has declined in the last couple of years.
  • WAL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.08%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.09%
PM growth 5Y-7.99%
GM growth 3YN/A
GM growth 5YN/A
WAL Yearly Profit, Operating, Gross MarginsWAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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 less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for WAL has been increased compared to 5 years ago.
  • Compared to 1 year ago, WAL has a worse debt to assets ratio.
WAL Yearly Shares OutstandingWAL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
WAL Yearly Total Debt VS Total AssetsWAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • A Debt/Equity ratio of 0.49 indicates that WAL is not too dependend on debt financing.
  • WAL's Debt to Equity ratio of 0.49 is on the low side compared to the rest of the industry. WAL is outperformed by 75.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.3%
WAL Yearly LT Debt VS Equity VS FCFWAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WAL Yearly Current Assets VS Current LiabilitesWAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • WAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.59%, which is quite impressive.
  • WAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.57% yearly.
  • The Revenue has grown by 12.09% in the past year. This is quite good.
  • Measured over the past years, WAL shows a very strong growth in Revenue. The Revenue has been growing by 23.41% on average per year.
EPS 1Y (TTM)21.59%
EPS 3Y-3.45%
EPS 5Y11.57%
EPS Q2Q%32.82%
Revenue 1Y (TTM)12.09%
Revenue growth 3Y11.72%
Revenue growth 5Y23.41%
Sales Q2Q%1.17%

3.2 Future

  • The Earnings Per Share is expected to grow by 18.16% on average over the next years. This is quite good.
  • Based on estimates for the next years, WAL will show a quite strong growth in Revenue. The Revenue will grow by 10.21% on average per year.
EPS Next Y20.06%
EPS Next 2Y17.61%
EPS Next 3Y18.16%
EPS Next 5YN/A
Revenue Next Year13.75%
Revenue Next 2Y11.16%
Revenue Next 3Y10.21%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
WAL Yearly Revenue VS EstimatesWAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B
WAL Yearly EPS VS EstimatesWAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • WAL is valuated reasonably with a Price/Earnings ratio of 9.98.
  • Based on the Price/Earnings ratio, WAL is valued cheaply inside the industry as 81.53% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of WAL to the average of the S&P500 Index (26.64), we can say WAL is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.31, which indicates a very decent valuation of WAL.
  • WAL's Price/Forward Earnings ratio is rather cheap when compared to the industry. WAL is cheaper than 88.13% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of WAL to the average of the S&P500 Index (27.75), we can say WAL is valued rather cheaply.
Industry RankSector Rank
PE 9.98
Fwd PE 8.31
WAL Price Earnings VS Forward Price EarningsWAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
WAL Per share dataWAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60

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 18.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)0.86
EPS Next 2Y17.61%
EPS Next 3Y18.16%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • WAL has a Yearly Dividend Yield of 1.88%. Purely for dividend investing, there may be better candidates out there.
  • WAL's Dividend Yield is slightly below the industry average, which is at 2.74.
  • WAL's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.88%

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.
  • WAL has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)26.7%
Div Incr Years5
Div Non Decr Years5
WAL Yearly Dividends per shareWAL Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • WAL pays out 20.34% of its income as dividend. This is a 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 2Y17.61%
EPS Next 3Y18.16%
WAL Yearly Income VS Free CF VS DividendWAL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B -2B
WAL Dividend Payout.WAL Dividend Payout, showing the Payout Ratio.WAL Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

WESTERN ALLIANCE BANCORP

NYSE:WAL (2/24/2026, 12:03:08 PM)

87.13

-0.49 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners94.22%
Inst Owner Change-8.82%
Ins Owners2.26%
Ins Owner Change2.81%
Market Cap9.54B
Revenue(TTM)3.54B
Net Income(TTM)887.00M
Analysts81.05
Price Target104.84 (20.33%)
Short Float %4.2%
Short Ratio4.63
Dividend
Industry RankSector Rank
Dividend Yield 1.88%
Yearly Dividend1.61
Dividend Growth(5Y)26.7%
DP20.34%
Div Incr Years5
Div Non Decr Years5
Ex-Date02-20
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)1.17%
PT rev (3m)2.59%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)-0.9%
EPS NY rev (1m)0.36%
EPS NY rev (3m)-0.36%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)4.29%
Revenue NY rev (3m)4.26%
Valuation
Industry RankSector Rank
PE 9.98
Fwd PE 8.31
P/S 2.81
P/FCF N/A
P/OCF N/A
P/B 1.29
P/tB 1.72
EV/EBITDA N/A
EPS(TTM)8.73
EY10.02%
EPS(NY)10.48
Fwd EY12.03%
FCF(TTM)-30.35
FCFYN/A
OCF(TTM)-29.5
OCFYN/A
SpS31.05
BVpS67.55
TBVpS50.53
PEG (NY)0.5
PEG (5Y)0.86
Graham Number115.19
Profitability
Industry RankSector 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%
ROA(5y)1.23%
ROE(3y)11.91%
ROE(5y)14.65%
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-13.09%
PM growth 5Y-7.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector 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-Score5
WACC14.3%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.59%
EPS 3Y-3.45%
EPS 5Y11.57%
EPS Q2Q%32.82%
EPS Next Y20.06%
EPS Next 2Y17.61%
EPS Next 3Y18.16%
EPS Next 5YN/A
Revenue 1Y (TTM)12.09%
Revenue growth 3Y11.72%
Revenue growth 5Y23.41%
Sales Q2Q%1.17%
Revenue Next Year13.75%
Revenue Next 2Y11.16%
Revenue Next 3Y10.21%
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-78.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-81.6%
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.


What is the valuation status of WESTERN ALLIANCE BANCORP (WAL) stock?

ChartMill assigns a valuation rating of 5 / 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 9.98 and the Price/Book (PB) ratio is 1.29.


How financially healthy is WESTERN ALLIANCE BANCORP?

The financial health rating of WESTERN ALLIANCE BANCORP (WAL) is 1 / 10.