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Upturn AI SWOT - About
Western Alliance Bancorporation (WAL)
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Upturn Advisory Summary
08/14/2025: WAL (1-star) is currently NOT-A-BUY. Pass it for now.
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 $96.2
1 Year Target Price $96.2
| 9 | Strong Buy |
| 5 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.53% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.11B USD | Price to earnings Ratio 10.85 | 1Y Target Price 96.2 |
Price to earnings Ratio 10.85 | 1Y Target Price 96.2 | ||
Volume (30-day avg) 15 | Beta 1.32 | 52 Weeks Range 56.52 - 96.77 | Updated Date 08/16/2025 |
52 Weeks Range 56.52 - 96.77 | Updated Date 08/16/2025 | ||
Dividends yield (FY) 1.80% | 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 2025-07-17 | When After Market | Estimate 2.01 | Actual 1.99 |
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 10.85 | Forward PE 9.89 | Enterprise Value 13292376064 | Price to Sales(TTM) 2.92 |
Enterprise Value 13292376064 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 5.07 | Enterprise Value to EBITDA - | Shares Outstanding 110369000 | Shares Floating 103158599 |
Shares Outstanding 110369000 | Shares Floating 103158599 | ||
Percent Insiders 2.64 | Percent Institutions 91.17 |
Upturn AI SWOT
Western Alliance Bancorporation
Company Overview
History and Background
Western Alliance Bancorporation was founded in 1995. It has grown through strategic acquisitions and organic expansion, focusing on serving businesses and entrepreneurs. A significant milestone was its expansion into technology and venture capital lending. The bank faced volatility in early 2023 due to broader banking sector concerns, but has since stabilized.
Core Business Areas
- Commercial Banking: Provides a full suite of banking products and services to businesses, including commercial lending, deposit services, and treasury management.
- Specialty Lending: Focuses on niche lending areas such as technology, venture capital, and real estate.
- Mortgage Services: Offers mortgage banking services through its Alliance Association Financial division.
Leadership and Structure
Kenneth A. Vecchione serves as the Chief Executive Officer. The organizational structure is typical of a regional bank, with various divisions reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Lending: Offers financing for commercial real estate projects. Market share data is difficult to pinpoint precisely due to the fragmented nature of the market. Competitors include regional and national banks such as Bank of America (BAC) and Wells Fargo (WFC).
- Market Share (%): 5
- Market Share (%): 7
- Technology and Venture Capital Lending: Provides loans and other financial services to technology companies and venture capital firms. Market share is not publicly available but Western Alliance is a significant player in this niche. Competitors include Silicon Valley Bank (defunct, assets acquired by First Citizens BancShares), Comerica (CMA), and Signature Bank (defunct, assets acquired by New York Community Bancorp).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges including interest rate volatility, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Western Alliance Bancorporation positions itself as a relationship-focused bank with expertise in specific industries, giving it a competitive advantage over larger, less specialized banks.
Total Addressable Market (TAM)
The U.S. commercial banking market is estimated to be worth trillions of dollars. Western Alliance Bancorporation is positioned to capture a small but significant share of this TAM through its specialization and regional focus.
Upturn SWOT Analysis
Strengths
- Strong niche expertise in technology and venture capital lending
- Experienced management team
- Solid credit quality
- Well-diversified loan portfolio
Weaknesses
- Concentration in specific industries makes them vulnerable to sector-specific downturns.
- Smaller geographic footprint compared to national banks
- Sensitivity to interest rate fluctuations
Opportunities
- Expansion into new geographic markets
- Further diversification of loan portfolio
- Increased adoption of digital banking solutions
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand
- Rising interest rates increasing funding costs
- Regulatory changes impacting banking operations
Competitors and Market Share
Key Competitors
- CMA
- ZION
- BOKF
Competitive Landscape
Western Alliance Bancorporation differentiates itself through its specialization and relationship-focused approach. However, it faces competition from larger, more diversified banks with greater resources.
Major Acquisitions
Bridge Bank
- Year: 2011
- Acquisition Price (USD millions): 424
- Strategic Rationale: Expanded its presence in the technology lending market and provided access to new clients and geographies.
Growth Trajectory and Initiatives
Historical Growth: Western Alliance Bancorporation has experienced significant growth over the past decade, driven by its expansion into new markets and its focus on specialty lending.
Future Projections: Analysts expect Western Alliance Bancorporation to experience moderate growth in the coming years, driven by continued demand for its specialized lending products.
Recent Initiatives: Recent initiatives include expanding its digital banking capabilities and investing in new technology platforms.
Summary
Western Alliance Bancorporation is a regional bank with strengths in niche lending markets. Recent industry turmoil caused concern, but the bank has demonstrated resilience. Key to future success will be managing interest rate risk and continuing to diversify its loan portfolio and funding sources, while monitoring competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Third-Party Financial Data Providers
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source. Financial data is based on publicly available information and is subject to change.
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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