WESTERN ALLIANCE BANCORP(NYSE:WAL) stock Fundamental Analysis

Fundamental Rating

Overall WAL gets a fundamental rating of 4 out of 10. We evaluated WAL against 398 industry peers in the Banks industry. WAL may be in some trouble as it scores bad on both profitability and health. WAL is growing strongly while it is still valued neutral. This is a good combination!

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1. Profitability

1.1 Basic Checks

In the past year WAL was profitable.

In the past year WAL has reported a negative cash flow from operations.

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

In multiple years WAL reported negative operating cash flow during the last 5 years.

1.2 Ratios

WAL's Return On Assets of 0.96% is fine compared to the rest of the industry. WAL outperforms 63.07% of its industry peers.

With an excellent Return On Equity value of 11.55%, WAL belongs to the best of the industry, outperforming 80.15% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.96%
ROE	11.55%
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

WAL's Profit Margin of 24.51% is in line compared to the rest of the industry. WAL outperforms 57.04% of its industry peers.

WAL's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for WAL so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	24.51%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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 more shares outstanding

WAL has more shares outstanding than it did 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 0.50. This is a neutral value indicating WAL is somewhat dependend on debt financing.

The Debt to Equity ratio of WAL (0.50) is worse than 76.38% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.5
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC15.64%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for WAL have decreased by -2.42% in the last 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 very strong growth in Revenue. The Revenue has grown by 20.71%.

Measured over the past years, WAL shows a very strong growth in Revenue. The Revenue has been growing by 23.39% on average per year.

EPS 1Y (TTM)-2.42%

EPS 3Y-6.09%

EPS 5Y8.21%

EPS Q2Q%4.07%

Revenue 1Y (TTM)20.71%

Revenue growth 3Y17.42%

Revenue growth 5Y23.39%

Sales Q2Q%8.15%

3.2 Future

The Earnings Per Share is expected to grow by 20.00% on average over the next years. This is a very strong growth

Based on estimates for the next years, WAL will show a quite strong growth in Revenue. The Revenue will grow by 8.53% on average per year.

EPS Next Y22.73%

EPS Next 2Y21.63%

EPS Next 3Y20%

EPS Next 5YN/A

Revenue Next Year7.85%

Revenue Next 2Y8.79%

Revenue Next 3Y8.53%

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.

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4. Valuation

4.1 Price/Earnings Ratio

WAL is valuated reasonably with a Price/Earnings ratio of 9.01.

Compared to the rest of the industry, the Price/Earnings ratio of WAL indicates a rather cheap valuation: WAL is cheaper than 83.17% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of WAL to the average of the S&P500 Index (28.33), we can say WAL is valued rather cheaply.

A Price/Forward Earnings ratio of 6.15 indicates a rather cheap valuation of WAL.

93.72% of the companies in the same industry are more expensive than WAL, based on the Price/Forward Earnings ratio.

WAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.37, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.01
Fwd PE	6.15

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 20.00% in the coming years.

PEG (NY)0.4

PEG (5Y)1.1

EPS Next 2Y21.63%

EPS Next 3Y20%

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5. Dividend

5.1 Amount

WAL has a Yearly Dividend Yield of 2.34%. Purely for dividend investing, there may be better candidates out there.

The stock price of WAL dropped by -29.09% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.

WAL's Dividend Yield is slightly below the industry average, which is at 3.66.

Compared to an average S&P500 Dividend Yield of 2.51, WAL has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.34%

5.2 History

On average, the dividend of WAL grows each year by 26.70%, which is quite nice.

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

22.82% 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.

DP22.82%

EPS Next 2Y21.63%

EPS Next 3Y20%

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WESTERN ALLIANCE BANCORP

NYSE:WAL (4/22/2025, 8:04:00 PM)

Premarket: 67.12 +1.78 (+2.72%)

65.34

+0.46 (+0.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/amc

Earnings (Next)07-16 2025-07-16/amc

Inst Owners91.41%

Inst Owner Change0.19%

Ins Owners2.26%

Ins Owner Change1.81%

Market Cap7.22B

Analysts84.44

Price Target105.86 (62.01%)

Short Float %5.44%

Short Ratio4.84

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.34%

Yearly Dividend1.61

Dividend Growth(5Y)26.7%

DP22.82%

Div Incr Years5

Div Non Decr Years5

Ex-Date02-14 2025-02-14 (0.38)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-1.71%

Min EPS beat(2)-5.47%

Max EPS beat(2)2.05%

EPS beat(4)2

Avg EPS beat(4)-0.41%

Min EPS beat(4)-5.47%

Max EPS beat(4)2.5%

EPS beat(8)4

Avg EPS beat(8)0.59%

EPS beat(12)6

Avg EPS beat(12)0.42%

EPS beat(16)9

Avg EPS beat(16)2.79%

Revenue beat(2)2

Avg Revenue beat(2)1.94%

Min Revenue beat(2)0.84%

Max Revenue beat(2)3.04%

Revenue beat(4)4

Avg Revenue beat(4)2.43%

Min Revenue beat(4)0.84%

Max Revenue beat(4)3.6%

Revenue beat(8)6

Avg Revenue beat(8)-0.67%

Revenue beat(12)8

Avg Revenue beat(12)-0.72%

Revenue beat(16)10

Avg Revenue beat(16)-0.52%

PT rev (1m)-0.55%

PT rev (3m)0.31%

EPS NQ rev (1m)-1.24%

EPS NQ rev (3m)-8.09%

EPS NY rev (1m)-1.04%

EPS NY rev (3m)-3.22%

Revenue NQ rev (1m)-0.03%

Revenue NQ rev (3m)-1.76%

Revenue NY rev (1m)-0.09%

Revenue NY rev (3m)-0.93%

Valuation

		Industry Rank	Sector Rank
PE	9.01
Fwd PE	6.15
P/S	2.28
P/FCF	N/A
P/OCF	N/A
P/B	1.08
P/tB	1.47
EV/EBITDA	N/A

EPS(TTM)7.25

EY11.1%

EPS(NY)10.62

Fwd EY16.26%

FCF(TTM)-25.58

FCFYN/A

OCF(TTM)-24.83

OCFYN/A

SpS28.63

BVpS60.72

TBVpS44.55

PEG (NY)0.4

PEG (5Y)1.1

Profitability

		Industry Rank	Sector Rank
ROA	0.96%
ROE	11.55%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.51%
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-Score3

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.5
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	70.72%
Cap/Sales	2.65%
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

WACC15.64%

ROIC/WACCN/A

Cap/Depr(3y)130.62%

Cap/Depr(5y)142.97%

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)-2.42%

EPS 3Y-6.09%

EPS 5Y8.21%

EPS Q2Q%4.07%

EPS Next Y22.73%

EPS Next 2Y21.63%

EPS Next 3Y20%

EPS Next 5YN/A

Revenue 1Y (TTM)20.71%

Revenue growth 3Y17.42%

Revenue growth 5Y23.39%

Sales Q2Q%8.15%

Revenue Next Year7.85%

Revenue Next 2Y8.79%

Revenue Next 3Y8.53%

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-538.02%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-734.45%

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