(WAL) Western Alliance - Ratings and Ratios
Deposits, Commercial Loans, Real Estate Loans, Treasury Services, Mortgages
WAL EPS (Earnings per Share)
WAL Revenue
Description: WAL Western Alliance November 04, 2025
Western Alliance Bancorporation (NYSE: WAL) is a bank holding company headquartered in Phoenix, Arizona, that operates Western Alliance Bank across Arizona, California, and Nevada. The business is split into Commercial and Consumer segments, offering a full suite of deposit products (checking, savings, money-market, CDs, demand deposits) and treasury-management services, as well as a broad array of loan products ranging from working-capital lines and technology-company financing to commercial-real-estate, construction, and consumer loans.
Beyond traditional banking, the firm holds investment securities, municipal and non-profit loans, and participates in low-income-housing tax-credit projects and Small Business Investment Company (SBIC) investments. These ancillary assets add diversification but also introduce exposure to policy-driven credit risk, especially in the affordable-housing sector.
Key recent metrics (as of Q3 2024) include a net interest margin of roughly 3.6%-slightly above the regional-bank average of 3.4%-and loan growth of 7% YoY, driven primarily by commercial-real-estate and technology-sector lending. Deposit balances have risen 5% YoY, reflecting continued inflows amid a high-interest-rate environment, while the loan-to-deposit ratio sits near 78%, indicating a relatively conservative funding profile.
Sector-wide, regional banks like WAL are sensitive to Federal Reserve policy cycles; the current 5.25%–5.50% policy rate supports net interest income but also pressures credit quality in rate-sensitive commercial-real-estate portfolios. Monitoring the Fed’s stance on inflation and any potential easing in 2025 will be critical to assessing WAL’s earnings trajectory.
For a deeper quantitative assessment, you may find ValueRay’s platform useful for modeling WAL’s risk-adjusted returns.
WAL Stock Overview
| Market Cap in USD | 8,524m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2005-06-30 |
WAL Stock Ratings
| Growth Rating | -7.83% |
| Fundamental | 41.4% |
| Dividend Rating | 65.8% |
| Return 12m vs S&P 500 | -21.0% |
| Analyst Rating | 4.53 of 5 |
WAL Dividends
| Dividend Yield 12m | 1.90% |
| Yield on Cost 5y | 3.25% |
| Annual Growth 5y | 10.48% |
| Payout Consistency | 100.0% |
| Payout Ratio | 19.5% |
WAL Growth Ratios
| Growth Correlation 3m | -61.8% |
| Growth Correlation 12m | -24.5% |
| Growth Correlation 5y | -11.1% |
| CAGR 5y | 3.94% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.05 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.17 |
| Sharpe Ratio 12m | -0.58 |
| Alpha | -26.20 |
| Beta | 1.343 |
| Volatility | 43.13% |
| Current Volume | 840k |
| Average Volume 20d | 1280.8k |
| Stop Loss | 77.1 (-3.6%) |
| Signal | 0.28 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (899.8m TTM) > 0 and > 6% of Revenue (6% = 303.5m TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -0.64pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1490 % (prev -1262 %; Δ -227.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.03 (>3.0%) and CFO -2.63b <= Net Income 899.8m (YES >=105%, WARN >=100%) |
| Net Debt (-1.05b) to EBITDA (1.20b) ratio: -0.87 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.07 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (109.8m) change vs 12m ago 0.27% (target <= -2.0% for YES) |
| Gross Margin 62.89% (prev 59.30%; Δ 3.59pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.92% (prev 6.13%; Δ -0.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.43 (EBITDA TTM 1.20b / Interest Expense TTM 1.85b) >= 6 (WARN >= 3) |
Altman Z'' -5.09
| (A) -0.83 = (Total Current Assets 5.76b - Total Current Liabilities 81.11b) / Total Assets 90.97b |
| (B) 0.06 = Retained Earnings (Balance) 5.37b / Total Assets 90.97b |
| (C) 0.01 = EBIT TTM 797.1m / Avg Total Assets 85.53b |
| (D) 0.09 = Book Value of Equity 7.10b / Total Liabilities 83.28b |
| Total Rating: -5.09 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 41.42
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -36.09% = -5.0 |
| 3. FCF Margin -53.33% = -7.50 |
| 4. Debt/Equity 0.64 = 2.30 |
| 5. Debt/Ebitda -0.87 = 2.50 |
| 6. ROIC - WACC (= -4.83)% = -6.04 |
| 7. RoE 12.79% = 1.07 |
| 8. Rev. Trend 81.50% = 6.11 |
| 9. EPS Trend -20.56% = -1.03 |
What is the price of WAL shares?
Over the past week, the price has changed by +3.41%, over one month by -6.99%, over three months by +2.88% and over the past year by -9.88%.
Is Western Alliance a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of WAL is around 71.66 USD . This means that WAL is currently overvalued and has a potential downside of -10.41%.
Is WAL a buy, sell or hold?
- Strong Buy: 9
- Buy: 5
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the WAL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 100.5 | 25.6% |
| Analysts Target Price | 100.5 | 25.6% |
| ValueRay Target Price | 81 | 1.3% |
WAL Fundamental Data Overview November 04, 2025
P/E Trailing = 9.5612
P/E Forward = 8.2169
P/S = 2.6726
P/B = 1.3835
P/EG = 1.84
Beta = 1.343
Revenue TTM = 5.06b USD
EBIT TTM = 797.1m USD
EBITDA TTM = 1.20b USD
Long Term Debt = 3.32b USD (from longTermDebt, last fiscal year)
Short Term Debt = 3.86b USD (from shortTermDebt, last quarter)
Debt = 4.71b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.05b USD (from netDebt column, last quarter)
Enterprise Value = 7.47b USD (8.52b + Debt 4.71b - CCE 5.76b)
Interest Coverage Ratio = 0.43 (Ebit TTM 797.1m / Interest Expense TTM 1.85b)
FCF Yield = -36.09% (FCF TTM -2.70b / Enterprise Value 7.47b)
FCF Margin = -53.33% (FCF TTM -2.70b / Revenue TTM 5.06b)
Net Margin = 17.79% (Net Income TTM 899.8m / Revenue TTM 5.06b)
Gross Margin = 62.89% ((Revenue TTM 5.06b - Cost of Revenue TTM 1.88b) / Revenue TTM)
Gross Margin QoQ = 69.39% (prev 61.87%)
Tobins Q-Ratio = 0.08 (Enterprise Value 7.47b / Total Assets 90.97b)
Interest Expense / Debt = 10.09% (Interest Expense 475.1m / Debt 4.71b)
Taxrate = 16.99% (53.3m / 313.8m)
NOPAT = 661.7m (EBIT 797.1m * (1 - 16.99%))
Current Ratio = 0.07 (Total Current Assets 5.76b / Total Current Liabilities 81.11b)
Debt / Equity = 0.64 (Debt 4.71b / totalStockholderEquity, last quarter 7.40b)
Debt / EBITDA = -0.87 (Net Debt -1.05b / EBITDA 1.20b)
Debt / FCF = 0.39 (negative FCF - burning cash) (Net Debt -1.05b / FCF TTM -2.70b)
Total Stockholder Equity = 7.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 899.8m / Total Assets 90.97b)
RoE = 12.79% (Net Income TTM 899.8m / Total Stockholder Equity 7.04b)
RoCE = 7.70% (EBIT 797.1m / Capital Employed (Equity 7.04b + L.T.Debt 3.32b))
RoIC = 5.21% (NOPAT 661.7m / Invested Capital 12.70b)
WACC = 10.04% (E(8.52b)/V(13.23b) * Re(10.96%) + D(4.71b)/V(13.23b) * Rd(10.09%) * (1-Tc(0.17)))
Discount Rate = 10.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.50%
Fair Price DCF = unknown (Cash Flow -2.70b)
EPS Correlation: -20.56 | EPS CAGR: -7.57% | SUE: 0.32 | # QB: 0
Revenue Correlation: 81.50 | Revenue CAGR: 9.82% | SUE: 0.48 | # QB: 0
Additional Sources for WAL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle