WESTERN ALLIANCE BANCORP(NYSE:WAL) stock Fundamental Analysis

Fundamental Rating

Overall WAL gets a fundamental rating of 3 out of 10. We evaluated WAL against 405 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.

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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.

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

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

WAL has a Return On Assets (0.88%) which is comparable to the rest of the industry.

With a decent Return On Equity value of 10.57%, WAL is doing good in the industry, outperforming 77.44% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.88%
ROE	10.57%
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 has a Profit Margin of 23.48%. This is comparable to the rest of the industry: WAL outperforms 55.64% of its industry peers.

In the last couple of years the Profit Margin of WAL has declined.

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)	23.48%
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.

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.

Compared to 1 year ago, WAL has a worse debt to assets ratio.

2.2 Solvency

WAL has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.

WAL's Debt to Equity ratio of 0.36 is on the low side compared to the rest of the industry. WAL is outperformed by 70.18% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.36
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.5%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for WAL have decreased strongly by -10.36% in the last 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.

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)-10.36%

EPS 3Y-6.09%

EPS 5Y8.21%

EPS Q2Q%2.09%

Revenue 1Y (TTM)20.71%

Revenue growth 3Y17.42%

Revenue growth 5Y23.39%

Sales Q2Q%22.9%

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 19.72% yearly.

WAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.99% yearly.

EPS Next Y24.02%

EPS Next 2Y22.27%

EPS Next 3Y19.72%

EPS Next 5YN/A

Revenue Next Year7.95%

Revenue Next 2Y8.98%

Revenue Next 3Y8.99%

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.12 indicates a correct valuation of WAL.

Compared to the rest of the industry, the Price/Earnings ratio of WAL is on the same level as its industry peers.

WAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.

With a Price/Forward Earnings ratio of 9.77, the valuation of WAL can be described as very reasonable.

Based on the Price/Forward Earnings ratio, WAL is valued a bit cheaper than the industry average as 74.44% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.68, WAL is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.12
Fwd PE	9.77

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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.

A more expensive valuation may be justified as WAL's earnings are expected to grow with 19.72% in the coming years.

PEG (NY)0.5

PEG (5Y)1.48

EPS Next 2Y22.27%

EPS Next 3Y19.72%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.69%, WAL has a reasonable but not impressive dividend return.

WAL's Dividend Yield is slightly below the industry average, which is at 3.18.

Compared to the average S&P500 Dividend Yield of 2.27, WAL is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.69%

5.2 History

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)N/A

Div Incr Years5

Div Non Decr Years5

5.3 Sustainability

WAL pays out 24.86% of its income as dividend. This is a sustainable payout ratio.

DP24.86%

EPS Next 2Y22.27%

EPS Next 3Y19.72%

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WESTERN ALLIANCE BANCORP

NYSE:WAL (2/21/2025, 8:04:00 PM)

After market: 87.04 0 (0%)

87.04

-2.69 (-3%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-27 2025-01-27/amc

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

Inst Owners91.41%

Inst Owner Change-86.93%

Ins Owners2.26%

Ins Owner Change0.56%

Market Cap9.58B

Analysts84.44

Price Target106.44 (22.29%)

Short Float %4.63%

Short Ratio4.59

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.69%

Yearly Dividend1.57

Dividend Growth(5Y)N/A

DP24.86%

Div Incr Years5

Div Non Decr Years5

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

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-3.1%

Min EPS beat(2)-5.47%

Max EPS beat(2)-0.72%

EPS beat(4)2

Avg EPS beat(4)-0.72%

Min EPS beat(4)-5.47%

Max EPS beat(4)2.5%

EPS beat(8)3

Avg EPS beat(8)0.24%

EPS beat(12)5

Avg EPS beat(12)0.22%

EPS beat(16)9

Avg EPS beat(16)5.47%

Revenue beat(2)2

Avg Revenue beat(2)2.22%

Min Revenue beat(2)0.84%

Max Revenue beat(2)3.6%

Revenue beat(4)3

Avg Revenue beat(4)0.82%

Min Revenue beat(4)-3.39%

Max Revenue beat(4)3.6%

Revenue beat(8)5

Avg Revenue beat(8)-1.55%

Revenue beat(12)7

Avg Revenue beat(12)-1.08%

Revenue beat(16)10

Avg Revenue beat(16)-0.39%

PT rev (1m)0.86%

PT rev (3m)5.98%

EPS NQ rev (1m)-1.13%

EPS NQ rev (3m)-1.13%

EPS NY rev (1m)-2.2%

EPS NY rev (3m)-1.85%

Revenue NQ rev (1m)-0.45%

Revenue NQ rev (3m)-0.45%

Revenue NY rev (1m)-0.98%

Revenue NY rev (3m)-0.38%

Valuation

		Industry Rank	Sector Rank
PE	12.12
Fwd PE	9.77
P/S	3.19
P/FCF	N/A
P/OCF	N/A
P/B	1.44
P/tB	1.91
EV/EBITDA	N/A

EPS(TTM)7.18

EY8.25%

EPS(NY)8.9

Fwd EY10.23%

FCF(TTM)-16.93

FCFYN/A

OCF(TTM)-16.16

OCFYN/A

SpS27.3

BVpS60.64

TBVpS45.46

PEG (NY)0.5

PEG (5Y)1.48

Profitability

		Industry Rank	Sector Rank
ROA	0.88%
ROE	10.57%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.48%
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	0.36
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	100.84%
Cap/Sales	2.81%
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

WACC12.5%

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)-10.36%

EPS 3Y-6.09%

EPS 5Y8.21%

EPS Q2Q%2.09%

EPS Next Y24.02%

EPS Next 2Y22.27%

EPS Next 3Y19.72%

EPS Next 5YN/A

Revenue 1Y (TTM)20.71%

Revenue growth 3Y17.42%

Revenue growth 5Y23.39%

Sales Q2Q%22.9%

Revenue Next Year7.95%

Revenue Next 2Y8.98%

Revenue Next 3Y8.99%

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-9605.73%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-1527.85%

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