WAL Fundamental Analysis - WESTERN ALLIANCE BANCORP

Fundamental Rating

WAL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. WAL has a bad profitability rating. Also its financial health evaluation is rather negative. WAL is not priced too expensively while it is growing strongly. Keep and eye on this one!

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year WAL was profitable.

WAL had a negative operating cash flow in the past year.

Each year in the past 5 years WAL has been profitable.

The reported operating cash flow has been mixed in the past 5 years: WAL reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of WAL (0.96%) is better than 60.97% of its industry peers.

WAL has a Return On Equity of 11.71%. This is amongst the best in the industry. WAL outperforms 80.87% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.96%
ROE	11.71%
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

The Profit Margin of WAL (25.37%) is better than 61.22% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	25.37%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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

WAL has a Debt/Equity ratio of 0.51. This is a neutral value indicating WAL is somewhat dependend on debt financing.

WAL has a worse Debt to Equity ratio (0.51) than 77.30% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.51
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC14.56%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 5.99% over the past year.

The Earnings Per Share has been growing by 8.21% on average over the past years. This is quite good.

Looking at the last year, WAL shows a quite strong growth in Revenue. The Revenue has grown by 13.33% in the last year.

WAL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.39% yearly.

EPS 1Y (TTM)5.99%

EPS 3Y-6.09%

EPS 5Y8.21%

EPS Q2Q%21.05%

Revenue 1Y (TTM)13.33%

Revenue growth 3Y17.42%

Revenue growth 5Y23.39%

Sales Q2Q%9.6%

3.2 Future

The Earnings Per Share is expected to grow by 17.47% on average over the next years. This is quite good.

WAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.40% yearly.

EPS Next Y17.91%

EPS Next 2Y20.52%

EPS Next 3Y17.47%

EPS Next 5YN/A

Revenue Next Year9.24%

Revenue Next 2Y9.74%

Revenue Next 3Y9.4%

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 Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.30 indicates a reasonable valuation of WAL.

Based on the Price/Earnings ratio, WAL is valued a bit cheaper than the industry average as 64.29% of the companies are valued more expensively.

WAL is valuated cheaply when we compare the Price/Earnings ratio to 27.76, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 8.25, the valuation of WAL can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of WAL indicates a somewhat cheap valuation: WAL is cheaper than 78.57% of the companies listed in the same industry.

WAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.21.

		Industry Rank	Sector Rank
PE	11.3
Fwd PE	8.25

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.

A more expensive valuation may be justified as WAL's earnings are expected to grow with 17.47% in the coming years.

PEG (NY)0.63

PEG (5Y)1.38

EPS Next 2Y20.52%

EPS Next 3Y17.47%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

WAL has a Yearly Dividend Yield of 1.78%. Purely for dividend investing, there may be better candidates out there.

WAL's Dividend Yield is slightly below the industry average, which is at 3.59.

Compared to the average S&P500 Dividend Yield of 2.44, WAL is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.78%

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

5.3 Sustainability

WAL pays out 21.51% 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.

DP21.51%

EPS Next 2Y20.52%

EPS Next 3Y17.47%

More info and screens

Find the best dividend stocks

Show peers with best dividend

WESTERN ALLIANCE BANCORP

NYSE:WAL (10/7/2025, 8:04:00 PM)

After market: 86.25 +0.25 (+0.29%)

-1.42 (-1.62%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-17 2025-07-17/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners90.5%

Inst Owner Change0%

Ins Owners2.25%

Ins Owner Change-0.12%

Market Cap9.49B

Analysts84

Price Target101.73 (18.29%)

Short Float %4.84%

Short Ratio4.79

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.78%

Yearly Dividend1.61

Dividend Growth(5Y)26.7%

DP21.51%

Div Incr Years5

Div Non Decr Years5

Ex-Date08-14 2025-08-14 (0.38)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.3%

Min EPS beat(2)-0.51%

Max EPS beat(2)1.11%

EPS beat(4)2

Avg EPS beat(4)-0.7%

Min EPS beat(4)-5.47%

Max EPS beat(4)2.05%

EPS beat(8)4

Avg EPS beat(8)-0.58%

EPS beat(12)5

Avg EPS beat(12)-0.33%

EPS beat(16)8

Avg EPS beat(16)0.42%

Revenue beat(2)0

Avg Revenue beat(2)-1.41%

Min Revenue beat(2)-2.74%

Max Revenue beat(2)-0.09%

Revenue beat(4)2

Avg Revenue beat(4)0.26%

Min Revenue beat(4)-2.74%

Max Revenue beat(4)3.04%

Revenue beat(8)5

Avg Revenue beat(8)1.02%

Revenue beat(12)6

Avg Revenue beat(12)-1.39%

Revenue beat(16)9

Avg Revenue beat(16)-0.71%

PT rev (1m)3.97%

PT rev (3m)8.49%

EPS NQ rev (1m)0.11%

EPS NQ rev (3m)-9.94%

EPS NY rev (1m)0%

EPS NY rev (3m)-3%

Revenue NQ rev (1m)0.1%

Revenue NQ rev (3m)1.87%

Revenue NY rev (1m)0.06%

Revenue NY rev (3m)1.43%

Valuation

		Industry Rank	Sector Rank
PE	11.3
Fwd PE	8.25
P/S	2.89
P/FCF	N/A
P/OCF	N/A
P/B	1.33
P/tB	1.75
EV/EBITDA	N/A

EPS(TTM)7.61

EY8.85%

EPS(NY)10.43

Fwd EY12.13%

FCF(TTM)-34.32

FCFYN/A

OCF(TTM)-33.54

OCFYN/A

SpS29.77

BVpS64.46

TBVpS49.08

PEG (NY)0.63

PEG (5Y)1.38

Profitability

		Industry Rank	Sector Rank
ROA	0.96%
ROE	11.71%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.37%
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

ROICexcg growth 3YN/A

ROICexcg 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-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.51
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	94.43%
Cap/Sales	2.63%
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

WACC14.56%

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)5.99%

EPS 3Y-6.09%

EPS 5Y8.21%

EPS Q2Q%21.05%

EPS Next Y17.91%

EPS Next 2Y20.52%

EPS Next 3Y17.47%

EPS Next 5YN/A

Revenue 1Y (TTM)13.33%

Revenue growth 3Y17.42%

Revenue growth 5Y23.39%

Sales Q2Q%9.6%

Revenue Next Year9.24%

Revenue Next 2Y9.74%

Revenue Next 3Y9.4%

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-467.47%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-412.3%

OCF growth 3YN/A

OCF growth 5YN/A

WESTERN ALLIANCE BANCORP (WAL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens