(WAL) Western Alliance - Ratings and Ratios
Deposits, Commercial Loans, Real Estate Loans, Treasury Services, Mortgages
Dividends
| Dividend Yield | 1.88% |
| Yield on Cost 5y | 2.97% |
| Yield CAGR 5y | 10.48% |
| Payout Consistency | 100.0% |
| Payout Ratio | 20.1% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 44.4% |
| Value at Risk 5%th | 64.3% |
| Relative Tail Risk | -11.98% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.12 |
| Alpha | -26.93 |
| CAGR/Max DD | 0.17 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.504 |
| Beta | 1.491 |
| Beta Downside | 1.616 |
| Drawdowns 3y | |
|---|---|
| Max DD | 77.31% |
| Mean DD | 22.08% |
| Median DD | 18.36% |
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.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (899.8m TTM) > 0 and > 6% of Revenue (6% = 303.5m TTM) |
| FCFTA -0.04 (>2.0%) and ΔFCFTA -1.33pp (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 -0.04 (>3.0%) and CFO -3.23b <= Net Income 899.8m (YES >=105%, WARN >=100%) |
| Net Debt (-1.05b) to EBITDA (1.22b) ratio: -0.86 <= 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 0.60 (EBITDA TTM 1.22b / Interest Expense TTM 1.85b) >= 6 (WARN >= 3) |
Altman Z'' -5.07
| (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 1.10b / Avg Total Assets 85.53b |
| (D) 0.09 = Book Value of Equity 7.10b / Total Liabilities 83.28b |
| Total Rating: -5.07 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 43.56
| 1. Piotroski 4.0pt |
| 2. FCF Yield -42.09% |
| 3. FCF Margin -65.69% |
| 4. Debt/Equity 0.64 |
| 5. Debt/Ebitda -0.86 |
| 6. ROIC - WACC (= -3.07)% |
| 7. RoE 12.79% |
| 8. Rev. Trend 89.35% |
| 9. EPS Trend -33.62% |
What is the price of WAL shares?
Over the past week, the price has changed by +1.37%, over one month by +4.63%, over three months by -5.73% and over the past year by -7.88%.
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 | 100.2 | 20.9% |
| Analysts Target Price | 100.2 | 20.9% |
| ValueRay Target Price | 83.3 | 0.5% |
WAL Fundamental Data Overview November 27, 2025
P/E Trailing = 9.7886
P/E Forward = 7.6161
P/S = 2.8047
P/B = 1.227
P/EG = 1.84
Beta = 1.369
Revenue TTM = 5.06b USD
EBIT TTM = 1.10b USD
EBITDA TTM = 1.22b USD
Long Term Debt = 3.58b USD (from longTermDebt, last quarter)
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 = 7.90b USD (8.95b + Debt 4.71b - CCE 5.76b)
Interest Coverage Ratio = 0.60 (Ebit TTM 1.10b / Interest Expense TTM 1.85b)
FCF Yield = -42.09% (FCF TTM -3.32b / Enterprise Value 7.90b)
FCF Margin = -65.69% (FCF TTM -3.32b / 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 = 0.09 (Enterprise Value 7.90b / Total Assets 90.97b)
Interest Expense / Debt = 10.09% (Interest Expense 475.1m / Debt 4.71b)
Taxrate = 16.99% (53.3m / 313.8m)
NOPAT = 915.7m (EBIT 1.10b * (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 = -0.86 (Net Debt -1.05b / EBITDA 1.22b)
Debt / FCF = 0.32 (negative FCF - burning cash) (Net Debt -1.05b / FCF TTM -3.32b)
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 = 10.39% (EBIT 1.10b / Capital Employed (Equity 7.04b + L.T.Debt 3.58b))
RoIC = 7.37% (NOPAT 915.7m / Invested Capital 12.43b)
WACC = 10.43% (E(8.95b)/V(13.65b) * Re(11.51%) + D(4.71b)/V(13.65b) * Rd(10.09%) * (1-Tc(0.17)))
Discount Rate = 11.51% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.50%
Fair Price DCF = unknown (Cash Flow -3.32b)
EPS Correlation: -33.62 | EPS CAGR: -2.23% | SUE: 0.32 | # QB: 0
Revenue Correlation: 89.35 | Revenue CAGR: 21.20% | SUE: 0.48 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.31 | Chg30d=-0.020 | Revisions Net=+0 | Analysts=13
EPS next Year (2026-12-31): EPS=10.39 | Chg30d=+0.021 | Revisions Net=+5 | Growth EPS=+23.9% | Growth Revenue=+9.0%
Additional Sources for WAL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle