(WAL) Western Alliance - Ratings and Ratios
Deposit, Commercial, Real-Estate, Mortgage, Treasury
WAL EPS (Earnings per Share)
WAL Revenue
Description: WAL Western Alliance
Western Alliance Bancorporation is a bank holding company that provides a range of banking products and services, primarily in Arizona, California, and Nevada, through its Commercial and Consumer Related segments. The companys diverse offerings include deposit products, commercial and industrial loans, commercial real estate loans, and consumer loans, as well as digital banking services and cash management solutions.
From a financial perspective, Western Alliance Bancorporation has demonstrated a strong performance, with key performance indicators (KPIs) such as Return on Equity (RoE) standing at 12.34%, indicating a decent return for shareholders. To further analyze the companys financial health, other relevant KPIs could include the Net Interest Margin (NIM), Efficiency Ratio, and Loan-to-Deposit Ratio. For instance, a high NIM would suggest that the company is generating significant income from its lending activities, while a low Efficiency Ratio would indicate effective cost management.
Additionally, the companys investment activities, such as investments in low-income housing tax credits and small business investment corporations, contribute to its overall revenue. The holding of certain investment securities, municipal and non-profit loans, and leases also diversify its income streams. To gain a deeper understanding of the companys financial position, it would be essential to examine metrics such as the Allowance for Loan Losses (ALL) to Total Loans, which can provide insight into the companys credit risk management.
Overall, Western Alliance Bancorporations strong presence in the regional banking market, combined with its diversified product offerings and robust financial performance, make it an attractive option for investors seeking exposure to the banking sector. To make a more informed investment decision, it would be crucial to analyze the companys financial statements, managements discussion and analysis, and industry trends.
WAL Stock Overview
| Market Cap in USD | 8,703m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2005-06-30 |
WAL Stock Ratings
| Growth Rating | 4.99% |
| Fundamental | 38.7% |
| Dividend Rating | 67.2% |
| Return 12m vs S&P 500 | -24.0% |
| Analyst Rating | 4.53 of 5 |
WAL Dividends
| Dividend Yield 12m | 1.85% |
| Yield on Cost 5y | 4.49% |
| Annual Growth 5y | 10.48% |
| Payout Consistency | 100.0% |
| Payout Ratio | 20.7% |
WAL Growth Ratios
| Growth Correlation 3m | 39.7% |
| Growth Correlation 12m | -20.9% |
| Growth Correlation 5y | -8.6% |
| CAGR 5y | 11.48% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.15 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.52 |
| Sharpe Ratio 12m | -0.69 |
| Alpha | -29.78 |
| Beta | 1.343 |
| Volatility | 62.51% |
| Current Volume | 1425k |
| Average Volume 20d | 1090.4k |
| Stop Loss | 75.4 (-4.4%) |
| Signal | -0.95 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (846.2m TTM) > 0 and > 6% of Revenue (6% = 309.6m TTM) |
| FCFTA -0.04 (>2.0%) and ΔFCFTA -2.67pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1353 % (prev -1289 %; Δ -64.19pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.04 (>3.0%) and CFO -3.70b <= Net Income 846.2m (YES >=105%, WARN >=100%) |
| Net Debt (4.12b) to EBITDA (1.18b) ratio: 3.50 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.06 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (109.6m) change vs 12m ago 0.46% (target <= -2.0% for YES) |
| Gross Margin 60.49% (prev 59.58%; Δ 0.91pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.17% (prev 5.88%; Δ 0.28pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.56 (EBITDA TTM 1.18b / Interest Expense TTM 1.88b) >= 6 (WARN >= 3) |
Altman Z'' -4.91
| (A) -0.81 = (Total Current Assets 4.42b - Total Current Liabilities 74.25b) / Total Assets 86.72b |
| (B) 0.06 = Retained Earnings (Balance) 5.17b / Total Assets 86.72b |
| (C) 0.01 = EBIT TTM 1.05b / Avg Total Assets 83.65b |
| (D) 0.09 = Book Value of Equity 6.82b / Total Liabilities 79.32b |
| Total Rating: -4.91 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 38.66
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -33.91% = -5.0 |
| 3. FCF Margin -73.42% = -7.50 |
| 4. Debt/Equity 0.97 = 2.05 |
| 5. Debt/Ebitda 3.50 = -2.31 |
| 6. ROIC - WACC (= -1.51)% = -1.89 |
| 7. RoE 12.34% = 1.03 |
| 8. Rev. Trend 88.73% = 6.65 |
| 9. EPS Trend -47.49% = -2.37 |
What is the price of WAL shares?
Over the past week, the price has changed by -4.26%, over one month by -11.47%, over three months by -2.22% and over the past year by -11.69%.
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 74.17 USD . This means that WAL is currently overvalued and has a potential downside of -5.92%.
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 | 102.6 | 30.2% |
| Analysts Target Price | 102.6 | 30.2% |
| ValueRay Target Price | 82.8 | 5% |
Last update: 2025-10-15 03:57
WAL Fundamental Data Overview
P/E Trailing = 10.3614
P/E Forward = 8.2169
P/S = 2.7887
P/B = 1.3835
P/EG = 1.84
Beta = 1.343
Revenue TTM = 5.16b USD
EBIT TTM = 1.05b USD
EBITDA TTM = 1.18b USD
Long Term Debt = 6.73b USD (from longTermDebt, last quarter)
Short Term Debt = 3.14b USD (from shortTermDebt, last quarter)
Debt = 6.89b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.12b USD (from netDebt column, last quarter)
Enterprise Value = 11.17b USD (8.70b + Debt 6.89b - CCE 4.42b)
Interest Coverage Ratio = 0.56 (Ebit TTM 1.05b / Interest Expense TTM 1.88b)
FCF Yield = -33.91% (FCF TTM -3.79b / Enterprise Value 11.17b)
FCF Margin = -73.42% (FCF TTM -3.79b / Revenue TTM 5.16b)
Net Margin = 16.40% (Net Income TTM 846.2m / Revenue TTM 5.16b)
Gross Margin = 60.49% ((Revenue TTM 5.16b - Cost of Revenue TTM 2.04b) / Revenue TTM)
Gross Margin QoQ = 61.87% (prev 61.06%)
Tobins Q-Ratio = 0.13 (Enterprise Value 11.17b / Total Assets 86.72b)
Interest Expense / Debt = 6.63% (Interest Expense 456.8m / Debt 6.89b)
Taxrate = 18.37% (53.5m / 291.3m)
NOPAT = 856.5m (EBIT 1.05b * (1 - 18.37%))
Current Ratio = 0.06 (Total Current Assets 4.42b / Total Current Liabilities 74.25b)
Debt / Equity = 0.97 (Debt 6.89b / totalStockholderEquity, last quarter 7.11b)
Debt / EBITDA = 3.50 (Net Debt 4.12b / EBITDA 1.18b)
Debt / FCF = -1.09 (negative FCF - burning cash) (Net Debt 4.12b / FCF TTM -3.79b)
Total Stockholder Equity = 6.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 846.2m / Total Assets 86.72b)
RoE = 12.34% (Net Income TTM 846.2m / Total Stockholder Equity 6.86b)
RoCE = 7.72% (EBIT 1.05b / Capital Employed (Equity 6.86b + L.T.Debt 6.73b))
RoIC = 7.08% (NOPAT 856.5m / Invested Capital 12.09b)
WACC = 8.60% (E(8.70b)/V(15.59b) * Re(11.12%) + D(6.89b)/V(15.59b) * Rd(6.63%) * (1-Tc(0.18)))
Discount Rate = 11.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.41%
Fair Price DCF = unknown (Cash Flow -3.79b)
EPS Correlation: -47.49 | EPS CAGR: -6.87% | SUE: -0.08 | # QB: 0
Revenue Correlation: 88.73 | Revenue CAGR: 19.36% | SUE: 0.66 | # QB: 0
Additional Sources for WAL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle