WESTERN ALLIANCE BANCORP (WAL) Fundamental Analysis & Valuation

NYSE:WAL • US9576381092

Current stock price

67.35 USD
+0.65 (+0.97%)
At close:
67.98 USD
+0.63 (+0.94%)
After Hours:

This WAL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. WAL Profitability Analysis

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.
  • WAL had positive earnings in each of the past 5 years.
  • 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

  • WAL has a Return On Assets of 1.03%. This is comparable to the rest of the industry: WAL outperforms 59.84% of its industry peers.
  • With an excellent Return On Equity value of 12.49%, WAL belongs to the best of the industry, outperforming 82.94% of the companies in the same industry.
Industry RankSector Rank
ROA 1.03%
ROE 12.49%
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's Profit Margin of 26.98% is fine compared to the rest of the industry. WAL outperforms 61.94% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 26.98%
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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1

2. WAL Health Analysis

2.1 Basic Checks

  • WAL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, WAL has less shares outstanding
  • Compared to 5 years ago, WAL has more shares outstanding
  • WAL has a better debt/assets ratio than last year.
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

  • WAL has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of WAL (0.33) is worse than 69.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.14%
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

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

8

3. WAL Growth Analysis

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.
  • Measured over the past years, WAL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.57% on average per year.
  • WAL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.09%.
  • 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%17%

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 16.40% yearly.
  • WAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.21% yearly.
EPS Next Y19.46%
EPS Next 2Y17.47%
EPS Next 3Y16.4%
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.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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 2 4 6 8 10

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Find the best growth stocksShow best growing peers

6

4. WAL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.71, the valuation of WAL can be described as very cheap.
  • Based on the Price/Earnings ratio, WAL is valued cheaper than 92.39% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.73, WAL is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.46, the valuation of WAL can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WAL indicates a rather cheap valuation: WAL is cheaper than 95.28% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of WAL to the average of the S&P500 Index (23.72), we can say WAL is valued rather cheaply.
Industry RankSector Rank
PE 7.71
Fwd PE 6.46
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

  • The 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 16.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)0.67
EPS Next 2Y17.47%
EPS Next 3Y16.4%

More info and screens

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

5

5. WAL Dividend Analysis

5.1 Amount

  • WAL has a Yearly Dividend Yield of 1.88%. Purely for dividend investing, there may be better candidates out there.
  • In the last 3 months the price of WAL has falen by -22.01%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.90, WAL is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.91, WAL has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.88%

5.2 History

  • On average, the dividend of WAL grows each year by 11.13%, which is quite nice.
  • 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)11.13%
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

  • 19.33% 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 earnings are growing more, so the dividend growth is sustainable.
DP19.33%
EPS Next 2Y17.47%
EPS Next 3Y16.4%
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

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WAL Fundamentals: All Metrics, Ratios and Statistics

WESTERN ALLIANCE BANCORP

NYSE:WAL (3/19/2026, 8:04:00 PM)

After market: 67.98 +0.63 (+0.94%)

67.35

+0.65 (+0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners88.92%
Inst Owner Change-8.81%
Ins Owners2.31%
Ins Owner Change2.81%
Market Cap7.40B
Revenue(TTM)3.54B
Net Income(TTM)956.20M
Analysts81
Price Target104.92 (55.78%)
Short Float %4.44%
Short Ratio3.46
Dividend
Industry RankSector Rank
Dividend Yield 1.88%
Yearly Dividend1.68
Dividend Growth(5Y)11.13%
DP19.33%
Div Incr Years5
Div Non Decr Years5
Ex-Date02-20
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.56%
Min EPS beat(2)6.91%
Max EPS beat(2)8.21%
EPS beat(4)3
Avg EPS beat(4)3.93%
Min EPS beat(4)-0.51%
Max EPS beat(4)8.21%
EPS beat(8)5
Avg EPS beat(8)1.76%
EPS beat(12)7
Avg EPS beat(12)1.7%
EPS beat(16)9
Avg EPS beat(16)1.3%
Revenue beat(2)2
Avg Revenue beat(2)5.43%
Min Revenue beat(2)4.35%
Max Revenue beat(2)6.5%
Revenue beat(4)2
Avg Revenue beat(4)2.01%
Min Revenue beat(4)-2.74%
Max Revenue beat(4)6.5%
Revenue beat(8)6
Avg Revenue beat(8)2.22%
Revenue beat(12)8
Avg Revenue beat(12)0.22%
Revenue beat(16)10
Avg Revenue beat(16)-0.04%
PT rev (1m)0.08%
PT rev (3m)2.35%
EPS NQ rev (1m)-9.18%
EPS NQ rev (3m)-14.27%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)-0.77%
Revenue NQ rev (1m)1.26%
Revenue NQ rev (3m)4.89%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)4.32%
Valuation
Industry RankSector Rank
PE 7.71
Fwd PE 6.46
P/S 2.09
P/FCF N/A
P/OCF N/A
P/B 0.97
P/tB 1.34
EV/EBITDA N/A
EPS(TTM)8.73
EY12.96%
EPS(NY)10.43
Fwd EY15.48%
FCF(TTM)-25.42
FCFYN/A
OCF(TTM)-24.38
OCFYN/A
SpS32.26
BVpS69.65
TBVpS50.15
PEG (NY)0.4
PEG (5Y)0.67
Graham Number116.97
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 12.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.98%
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-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 107.22%
Cap/Sales 3.22%
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-Score4
WACC16.14%
ROIC/WACCN/A
Cap/Depr(3y)125.81%
Cap/Depr(5y)170.49%
Cap/Sales(3y)3.41%
Cap/Sales(5y)3.87%
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 Y19.46%
EPS Next 2Y17.47%
EPS Next 3Y16.4%
EPS Next 5YN/A
Revenue 1Y (TTM)12.09%
Revenue growth 3Y11.72%
Revenue growth 5Y23.41%
Sales Q2Q%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 1Y1.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2.3%
OCF growth 3YN/A
OCF growth 5YN/A

WESTERN ALLIANCE BANCORP / WAL Fundamental Analysis 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 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 7.71 and the Price/Book (PB) ratio is 0.97.


How financially healthy is WESTERN ALLIANCE BANCORP?

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