Western Alliance (WAL) Stock Price & Analysis
WAL Stock Chart & Stats
- Day’s Range
- MXN 780.30 - MXN 780.30
- 52-Week Range
- MXN 780.30 - MXN 780.30
- Previous Close
- MXN 780.30
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- MXN 156.41B
- Enterprise Value
- MXN 15.05B
- Total Cash (Recent Filing)
- MXN 25.57B
- Total Debt (Recent Filing)
- MXN 6.81B
- Price to Earnings (P/E)
- 8.3
- Beta
- 0.00
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 46.89
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.06%
Bulls Say, Bears Say
Bulls Say
Profitable Revenue Growth
Solid revenue expansion and healthy profitability indicate that Western Alliance continues to convert its relationship-based banking franchise into earnings. Although growth has moderated from earlier peaks, sustained mid-20% operating profitability and positive returns provide a durable base for reinvestment and capital generation.
Improving Asset Quality
Declining nonaccrual loans, lower net charge-offs, and stronger reserve coverage reduce pressure on future credit costs. Continued resolution of identified problem credits would improve earnings visibility and support confidence that the commercial loan portfolio is moving toward more stable long-term performance.
Deposit And Fee Momentum
The bank is improving funding economics while expanding commercial deposits and fee income, strengthening revenue diversification beyond loan spreads. Lower-cost deposit channels and higher treasury-management activity can support net interest income and recurring fees across changing rate environments.
Bears Say
Weak Cash Conversion
Persistent negative operating and free cash flow indicate that reported earnings have not consistently translated into cash generation. For a bank, changing loan, deposit, and securities balances can affect cash flows, but the recurring pattern still reduces flexibility and limits internally funded capacity.
Reduced Growth Outlook
Lower deposit and loan growth expectations imply a more constrained expansion path over the coming quarters. Planned deposit optimization explains part of the revision, but slower balance-sheet growth can limit net interest income growth and make future earnings more dependent on pricing and fee execution.
Capital And Credit Pressure
Sequentially lower capital ratios alongside higher OREO and special mention loans show that balance-sheet risk remains meaningful despite improving headline credit metrics. Loan growth, buybacks, higher rates, and potential reserve builds could continue to consume capital and constrain strategic flexibility.
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Western Alliance Stock Smart Score
Company Description
Western Alliance
Western Alliance Bancorporation serves as the holding entity for Western Alliance Bank, offering a broad spectrum of banking products and related financial services, with its primary operations centered in Arizona, California, and Nevada. The company structures its business across Commercial, Consumer Related, and Corporate & Other segments. Its deposit offerings include checking, savings, and money market accounts, as well as fixed-rate and fixed-maturity certificates of deposit. Additionally, it delivers treasury management and residential mortgage services. The company's lending activities are diverse, encompassing commercial and industrial loans such as working capital lines of credit, financing for technology companies, inventory and accounts receivable lines, mortgage warehouse facilities, and equipment loans and leases. Western Alliance also provides commercial real estate loans, secured by properties like multi-family residential units, professional offices, industrial sites, retail centers, and hotels. Its construction and land development loans support projects ranging from single and multi-family residential developments to industrial/warehouse facilities, office buildings, retail spaces, medical offices, and residential lot developments. Consumer loan products are also available. Beyond core banking, Western Alliance offers a variety of other financial services, including internet banking, wire transfers, electronic bill payment and presentment, lock box services, courier services, and comprehensive cash management solutions. Furthermore, the company holds various investment securities, municipal and non-profit loans, and leases, and makes strategic investments in low-income housing tax credits and small business investment corporations, alongside real estate loans and related securities. Founded in 1994 and based in Phoenix, Arizona, Western Alliance Bancorporation operates a network of 36 branch locations and several loan production offices.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Kenneth A. Vecchione
- Employees
- 3,769
- Website
- www.westernalliancebancorporation.com
- Address
- One East Washington Street, Phoenix, AZ, 85004, US
Western Alliance (WAL) Earnings & Revenues
WAL Company Deck
WAL Earnings Call
Earnings Call SentimentPositive
The call was strongly constructive. Management reported broad improvement in asset quality, earnings, commercial banking deposits, deposit costs, reserve coverage, capital return, and profitability, while raising noninterest income guidance and lowering deposit-cost guidance. The principal challenges were reduced deposit and loan growth guidance, mortgage-market softness, seasonal Q4 margin pressure, higher operating expenses, and modest sequential declines in capital metrics. Overall, the highlights significantly outweighed the lowlights.
View all MX:WAL earnings summariesWAL Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 10 | 0 | 4 |
| Technical Analysis | 2 | 0 | 0 |
| Moving Averages | 8 | 0 | 4 |












