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Upturn AI SWOT - About
Western Alliance Bancorporation (WAL)
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Upturn Advisory Summary
03/27/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -44.21% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.36B USD | Price to earnings Ratio 10.68 | 1Y Target Price 104.71 |
Price to earnings Ratio 10.68 | 1Y Target Price 104.71 | ||
Volume (30-day avg) 1174539 | Beta 1.42 | 52 Weeks Range 52.73 - 97.67 | Updated Date 04/1/2025 |
52 Weeks Range 52.73 - 97.67 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.98% | Basic EPS (TTM) 7.09 |
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 26.12% | Operating Margin (TTM) 38.04% |
Management Effectiveness
Return on Assets (TTM) 1.04% | Return on Equity (TTM) 12.32% |
Valuation
Trailing PE 10.68 | Forward PE 8.55 | Enterprise Value 10860499968 | Price to Sales(TTM) 2.81 |
Enterprise Value 10860499968 | Price to Sales(TTM) 2.81 | ||
Enterprise Value to Revenue 4.84 | Enterprise Value to EBITDA - | Shares Outstanding 110454000 | Shares Floating 103240608 |
Shares Outstanding 110454000 | Shares Floating 103240608 | ||
Percent Insiders 2.72 | Percent Institutions 90.43 |
Analyst Ratings
Rating 4.5 | Target Price 106.29 | Buy 5 | Strong Buy 8 |
Buy 5 | Strong Buy 8 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Western Alliance Bancorporation
Company Overview
History and Background
Western Alliance Bancorporation (WAL) was founded in 1994. It has grown through a combination of organic growth and strategic acquisitions, focusing on niche markets and specialized lending.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to businesses across various industries.
- Mortgage Services: Offers mortgage banking services, including loan origination and servicing.
- Technology and Innovation: Focuses on providing financial services to technology and innovation companies, including venture capital-backed startups.
Leadership and Structure
Kenneth A. Vecchione serves as the President and CEO. The organizational structure is typical of a regional bank holding company, with various divisions reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is dispersed, competing with larger national banks and regional players. Competitors include Bank of America, JPMorgan Chase, and regional banks such as Comerica.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. No specific market share figures available. Competitors include all major banks.
- Treasury Management Services: Services that assist businesses in managing their cash flow, including payment processing and account reconciliation. No specific market share figures available. Competitors include all major banks offering similar services.
Market Dynamics
Industry Overview
The banking industry is currently characterized by fluctuating interest rates, increased regulatory scrutiny, and increasing competition from fintech companies. Economic uncertainty plays a huge role.
Positioning
Western Alliance Bancorporation is positioned as a niche player focusing on specialized lending and relationship banking. Its focus on technology and innovation companies provides a competitive edge.
Total Addressable Market (TAM)
The TAM for commercial banking in the US is estimated to be in the trillions of dollars. WAL is well positioned to capture a share within the technology and real estate sector.
Upturn SWOT Analysis
Strengths
- Strong growth in deposits and loans
- Focus on niche markets
- Experienced management team
- Solid capital position
Weaknesses
- Geographic concentration in the Western US
- Sensitivity to interest rate changes
- Reliance on commercial real estate lending
- Higher cost of funds compared to larger banks
Opportunities
- Expansion into new geographic markets
- Growth in fintech partnerships
- Increased demand for specialized lending
- Acquisition opportunities
Threats
- Rising interest rates
- Economic recession
- Increased regulatory scrutiny
- Competition from larger banks and fintech companies
- Real Estate Market Crash
Competitors and Market Share
Key Competitors
- BAC
- JPM
- CMA
- ZION
Competitive Landscape
Western Alliance Bancorporation competes with larger national banks and regional banks. Its competitive advantages include its focus on niche markets and its experienced management team.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Western Alliance has experienced strong growth in recent years, driven by its focus on specialized lending and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion into new markets and growth in its core business areas. Analyst estimates may vary.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new geographic markets, and also bolstering their balance sheet in light of regional bank turmoil.
Summary
Western Alliance Bancorporation is a regional bank focusing on niche markets, showing past growth, but with sensitivity to interest rates and reliance on commercial real estate. Its niche focus and management are strengths. However, potential threats from rising rates and economic recession need to be closely monitored. Expanding into new markets could present growth opportunities.
Similar Companies
- BAC
- JPM
- CMA
- ZION
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share and TAM data are estimates.
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 | Interim CEO, CFO, Vice Chairman, & Executive VP Mr. Dale M. Gibbons CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3524 | |
Full time employees 3524 | |||
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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