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Upturn AI SWOT - About
WAL 
Western Alliance Bancorporation (WAL)
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Upturn Advisory Summary
10/13/2025: WAL (1-star) is a SELL. SELL since 4 days. Simulated Profits (-5.49%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
15 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $102.62
1 Year Target Price $102.62
| 9 | Strong Buy |
| 5 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -0.26% | Avg. Invested days 32 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.70B USD | Price to earnings Ratio 10.36 | 1Y Target Price 102.62 |
Price to earnings Ratio 10.36 | 1Y Target Price 102.62 | ||
Volume (30-day avg) 15 | Beta 1.34 | 52 Weeks Range 56.52 - 96.77 | Updated Date 10/13/2025 |
52 Weeks Range 56.52 - 96.77 | Updated Date 10/13/2025 | ||
Dividends yield (FY) 2.02% | Basic EPS (TTM) 7.61 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 2.07 | Actual - |
Profitability
Profit Margin 27.12% | Operating Margin (TTM) 40.78% |
Management Effectiveness
Return on Assets (TTM) 1.02% | Return on Equity (TTM) 12.42% |
Valuation
Trailing PE 10.36 | Forward PE 8.22 | Enterprise Value 12889191424 | Price to Sales(TTM) 2.79 |
Enterprise Value 12889191424 | Price to Sales(TTM) 2.79 | ||
Enterprise Value to Revenue 5.17 | Enterprise Value to EBITDA - | Shares Outstanding 110368816 | Shares Floating 103157509 |
Shares Outstanding 110368816 | Shares Floating 103157509 | ||
Percent Insiders 2.64 | Percent Institutions 90.91 |
Upturn AI SWOT
Western Alliance Bancorporation
Company Overview
History and Background
Western Alliance Bancorporation was founded in 1994. It began as a collection of smaller banks focused on serving businesses and entrepreneurs in the western United States. It has grown through organic expansion and strategic acquisitions, becoming a significant regional bank known for its expertise in specialized industries.
Core Business Areas
- Commercial Banking: Provides a range of banking services including lending, deposit accounts, and cash management solutions to businesses of various sizes across multiple industries.
- Mortgage Banking: Offers mortgage banking services, including loan origination, sales, and servicing.
- Public and Nonprofit Finance: Provides tailored financial services to governmental entities, educational institutions and nonprofit organizations.
- Technology and Innovation: Offers specialized banking services and lending solutions to technology and innovation companies.
Leadership and Structure
Kenneth Vecchione serves as the Chief Executive Officer. The organizational structure consists of various business units and support functions overseen by a senior management team and a Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loan products, including term loans, lines of credit, and equipment financing. Market share data varies by specific sector and geography; WAB is focused on growing market share in targeted sectors. Competitors include larger national banks like JPMorgan Chase, Bank of America, and regional banks like Comerica Bank and Zions Bancorporation.
- Deposit Accounts: Provides a range of deposit accounts including checking, savings, and money market accounts. Competitors include all banks offering similar deposit products.
- Treasury Management Services: Offers cash management solutions, including online banking, payment processing, and fraud prevention services. Competitors include large national banks and fintech companies like Fiserv and Jack Henry.
Market Dynamics
Industry Overview
The banking industry is highly competitive and influenced by factors like interest rates, regulatory changes, and economic conditions. The industry is currently facing challenges due to increased regulatory scrutiny and potential for economic slowdown.
Positioning
Western Alliance Bancorporation is positioned as a relationship-focused bank specializing in serving niche markets and industries. Its competitive advantage lies in its expertise in these specialized sectors and its ability to provide customized solutions.
Total Addressable Market (TAM)
The total addressable market for commercial banking in the US is several trillion dollars. Western Alliance Bancorporation is positioned to capture a portion of this TAM by focusing on specialized sectors.
Upturn SWOT Analysis
Strengths
- Strong expertise in niche industries
- Relationship-focused approach
- Proven track record of growth
- Solid risk management practices
- Efficient operations
Weaknesses
- Geographic concentration in the Western US
- Reliance on specific industries
- Higher cost of funding compared to larger banks
- Potential sensitivity to interest rate changes
Opportunities
- Expansion into new geographic markets
- Further development of specialized services
- Increased adoption of digital banking solutions
- Potential acquisitions of smaller banks or fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting key industries
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PacWest Bancorp (PACW)
- Comerica Bank (CMA)
- Zions Bancorporation (ZION)
- Bank of America (BAC)
- JPMorgan Chase & Co. (JPM)
Competitive Landscape
Western Alliance Bancorporation faces competition from larger national banks and smaller regional banks. Its competitive advantage is its focus on specialized industries and personalized service. However, it has less capital and resources compared to larger banks.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires the latest financial reports.
Future Projections: Future Projections requires the latest financial reports.
Recent Initiatives: Recent Initiatives requires the latest financial reports.
Summary
Western Alliance Bancorporation is a regional bank focused on specialized industries. Its strengths lie in its industry expertise and relationship-based approach. Its weaknesses include its geographic concentration and sensitivity to industry-specific risks. Investors should watch out for increasing competition and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Analyst Estimates
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Western Alliance Bancorporation
Exchange NYSE | Headquaters Phoenix, AZ, United States | ||
IPO Launch date 2005-06-30 | CEO, President & Director Mr. Kenneth A. Vecchione | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3655 | |
Full time employees 3655 | |||
Western Alliance Bancorporation operates as the bank holding company for Western Alliance Bank that provides various banking products and related services primarily in Arizona, California, and Nevada. It operates through Commercial and Consumer Related segments. The company offers deposit products, including checking, savings, and money market accounts, as well as fixed-rate and fixed maturity certificates of deposit accounts; demand deposits; and treasury management and residential mortgage products and services. It also provides commercial and industrial loan products, such as working capital lines of credit, loans to technology companies, inventory and accounts receivable lines, mortgage warehouse lines, equipment loans and leases, and other commercial loans; commercial real estate loans, which are secured by multi-family residential properties, professional offices, industrial facilities, retail centers, hotels, and other commercial properties; construction and land development loans for single family and multi-family residential projects, industrial/warehouse properties, office buildings, retail centers, medical office facilities, and residential lot developments; and consumer loans. In addition, the company offers other financial services, such as internet banking, wire transfers, electronic bill payment and presentment, funds transfer and other digital payment offerings, lock box services, courier, and cash management services. Further, the company holds certain investment securities, municipal and non-profit loans, and leases; invests primarily in low-income housing tax credits and small business investment corporations; and certain real estate loans and related securities. Western Alliance Bancorporation was founded in 1994 and is headquartered in Phoenix, Arizona.
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