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Upturn AI SWOT - About
Western Alliance Bancorporation (WAL)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: WAL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $90.73
Year Target Price $90.73
| 9 | Strong Buy |
| 5 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.78% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.61B USD | Price to earnings Ratio 10.67 | 1Y Target Price 90.73 |
Price to earnings Ratio 10.67 | 1Y Target Price 90.73 | ||
Volume (30-day avg) 15 | Beta 1.28 | 52 Weeks Range 56.78 - 97.20 | Updated Date 06/30/2025 |
52 Weeks Range 56.78 - 97.20 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 1.96% | Basic EPS (TTM) 7.31 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.54% | Operating Margin (TTM) 38.07% |
Management Effectiveness
Return on Assets (TTM) 1.01% | Return on Equity (TTM) 12.09% |
Valuation
Trailing PE 10.67 | Forward PE 9.01 | Enterprise Value 10784151552 | Price to Sales(TTM) 2.82 |
Enterprise Value 10784151552 | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 4.39 | Enterprise Value to EBITDA - | Shares Outstanding 110404000 | Shares Floating 103203049 |
Shares Outstanding 110404000 | Shares Floating 103203049 | ||
Percent Insiders 2.66 | Percent Institutions 90.07 |
Analyst Ratings
Rating 4 | Target Price 90.73 | Buy 5 | Strong Buy 9 |
Buy 5 | Strong Buy 9 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Western Alliance Bancorporation
Company Overview
History and Background
Western Alliance Bancorporation was founded in 1994. It initially focused on serving niche markets and rapidly expanded through strategic acquisitions and organic growth, becoming a leading provider of specialized banking services.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate, technology, and healthcare companies.
- Mortgage Services: Offers residential mortgage banking services through its subsidiary, AmeriHome Mortgage Company, LLC.
- Private Banking: Provides specialized financial services to high-net-worth individuals and families.
Leadership and Structure
Kenneth Vecchione serves as the CEO. The organizational structure includes various divisions focused on commercial banking, mortgage banking, and other specialized financial services. The leadership team consists of experienced professionals in banking and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Lending: Provides financing for commercial real estate projects. Competitors include regional and national banks like Bank of America (BAC), JPMorgan Chase (JPM), and Wells Fargo (WFC). No specific market share data available for this specific product.
- Technology and Innovation Banking: Offers specialized banking services to technology and innovation companies. Competitors include Silicon Valley Bank (now part of First Citizens BancShares (FCNCA)), Comerica (CMA), and Signature Bank (SBNY, defunct).
- Mortgage Origination: Offers mortgage origination services nationwide. Competitors include Rocket Companies (RKT), United Wholesale Mortgage (UWMC), and PennyMac Financial Services (PFSI).
Market Dynamics
Industry Overview
The banking industry is characterized by increasing competition, regulatory scrutiny, and technological advancements. Economic conditions and interest rate fluctuations significantly impact profitability.
Positioning
Western Alliance Bancorporation is positioned as a specialized lender focused on niche markets, differentiating itself through expertise and personalized service. This allows them to command higher margins and grow in specific segments.
Total Addressable Market (TAM)
The TAM for commercial banking and specialized lending is significant, estimated in the trillions of dollars. WAL is positioned to capture a specific portion of this TAM through its niche focus and expertise.
Upturn SWOT Analysis
Strengths
- Strong specialization in niche markets
- Experienced management team
- Solid organic growth track record
- Above-average profitability
Weaknesses
- Concentration in specific sectors makes it vulnerable to industry downturns
- Reliance on interest rate spreads for profitability
- Higher cost of funds compared to larger banks.
Opportunities
- Expansion into new niche markets
- Increased adoption of digital banking solutions
- Strategic acquisitions to expand market presence
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes and compliance costs
- Economic downturn impacting loan quality
- Rising interest rates.
Competitors and Market Share
Key Competitors
- PACW
- CMA
- FCNCA
Competitive Landscape
Western Alliance differentiates itself through its specialization in niche markets and personalized service. While smaller than some competitors, its expertise and agility provide a competitive advantage.
Major Acquisitions
AmeriHome Mortgage Company, LLC
- Year: 2021
- Acquisition Price (USD millions): 1025
- Strategic Rationale: Expanded mortgage banking capabilities and diversified revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Western Alliance has demonstrated strong historical growth through both organic expansion and strategic acquisitions. Their focus on niche markets has allowed them to outperform larger competitors in specific segments.
Future Projections: Analysts project continued growth for Western Alliance, driven by their specialized lending capabilities and expansion into new markets. Earnings growth is expected to remain robust.
Recent Initiatives: Recent initiatives include expanding their digital banking platform, targeting specific high-growth industries, and strengthening their capital position.
Summary
Western Alliance is a specialized bank with a strong focus on niche markets, allowing it to maintain above-average profitability. Its experienced management team and history of strategic acquisitions have fueled consistent growth. However, its reliance on specific sectors makes it vulnerable to industry downturns, and increasing competition poses a threat. Maintaining a strong capital position and diversifying revenue streams will be crucial for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is based on estimates and may not be precise. Financial data 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 3562 | |
Full time employees 3562 | |||
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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