US · WAL
Western Alliance Bancorporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Phoenix, AZ 85004
Price · as of 2025-12-31
$80.80
Market cap 8.84B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $48.35 | -40.16% |
| Intrinsic Value(DCF) | $125.91 | +55.83% |
| Graham-Dodd Method(GD) | $83.43 | +3.25% |
| Graham Formula(GF) | $116.71 | +44.44% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $7.03 | $254.61 | $7.94 | $8.19 | $4.50 |
| 2012 | $12.06 | $35.69 | $13.46 | $12.67 | $18.32 |
| 2013 | $20.52 | $41.21 | $13.40 | $16.18 | $25.80 |
| 2014 | $25.78 | $46.44 | $23.39 | $19.57 | $43.59 |
| 2015 | $27.41 | $55.44 | $53.84 | $23.92 | $66.21 |
| 2016 | $44.33 | $71.60 | $184.53 | $28.15 | $102.98 |
| 2017 | $54.07 | $76.09 | $85.69 | $34.24 | $83.98 |
| 2018 | $38.18 | $71.18 | $57.96 | $42.78 | $116.82 |
| 2019 | $34.90 | $48.69 | $39.11 | $43.38 | $134.41 |
| 2020 | $88.97 | $51.50 | $58.53 | $41.29 | $59.48 |
| 2021 | $75.81 | $63.38 | $57.22 | $68.68 | $489.93 |
| 2022 | $45.90 | $82.33 | $82.80 | $71.11 | $531.14 |
| 2023 | $58.05 | $70.45 | $6,621.33 | $60.85 | $333.69 |
| 2024 | $75.85 | $38.25 | $3,462.75 | $68.75 | $182.47 |
| 2025 | $81.44 | $48.35 | $555.37 | $83.43 | $116.71 |
AI valuation
Our deep-learning model estimates Western Alliance Bancorporation's (WAL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $48.35
- Current price
- $80.80
- AI upside
- -40.16%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$125.91
+55.83% upside
Graham-Dodd
$83.43
+3.25% upside
Graham Formula
$116.71
+44.44% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| WAL | Western Alliance Bancorpo… | $80.80 | 8.84B | -40% | +56% | +3% | +44% | 9.07 | 1.16 | 1.68 | -7.07 | 39.23 | 1.27 | 61.10% | 22.88% | 18.37% | 13.60% | -40.11% | 1.12% | 0.87 | 0.66 | 0.56 | 0.56 | 2.52 | 2313.00% | 517.00% | -115.00% | -31.52% | -0.06 | 113.09% | 2.09% | 18.90% | 2.86% | -7.07 | 3.06 | -1.62 | 0.00 |
| BPOP | Popular, Inc. | $135.36 | 9.03B | -48% | +66% | -47% | +21% | 10.59 | 1.16 | 1.55 | -20.08 | 76.56 | 1.39 | 60.67% | 19.01% | 14.66% | 11.42% | -3.43% | 0.85% | 0.23 | 0.57 | 0.38 | 0.38 | -6.41 | 1383.00% | 1148.00% | -361.00% | 7.09% | 0.01 | -2.58% | 2.77% | 29.40% | 6.06% | -21.59 | -37.29 | -4.11 | -0.43 |
| CFG | Citizens Financial Group,… | $60.19 | 25.85B | -7% | -14% | -46% | — | 14.39 | 1.00 | 2.36 | -4.36 | 52.54 | 1.46 | 69.75% | 20.88% | 16.42% | 7.24% | -19.29% | 0.83% | 0.43 | 0.61 | 1.04 | 1.04 | -0.54 | 2739.00% | -971.00% | 841.00% | 7.73% | 0.01 | -21.46% | 3.37% | 48.50% | 17.07% | -5.05 | -5.77 | -1.05 | 0.27 |
| CFR | Cullen/Frost Bankers, Inc… | $138.22 | 8.74B | -43% | +51% | -56% | -24% | 13.85 | 1.96 | 3.08 | 4.38 | 116.98 | 1.96 | 75.04% | 26.43% | 22.21% | 15.31% | -7.45% | 1.23% | 1.04 | 1.13 | 0.21 | 0.21 | -4.77 | 1184.00% | 246.00% | -8522.00% | 1.42% | 0.01 | -1.46% | 2.92% | 40.40% | 4.68% | 4.88 | 29.57 | 1.29 | -0.52 |
| FHN | First Horizon Corporation | $23.79 | 11.71B | +134% | +2% | -36% | -24% | 12.07 | 1.34 | 2.38 | 8.84 | 31.56 | 1.64 | 67.32% | 25.70% | 19.72% | 11.13% | 15.06% | 1.18% | 0.52 | 0.82 | 0.96 | 0.95 | 2.70 | 3824.00% | 97.00% | -4869.00% | 5.29% | 0.01 | 9.46% | 2.65% | 31.90% | 10.39% | 9.22 | 18.81 | 2.37 | 0.25 |
| ONB | Old National Bancorp | $23.10 | 9.03B | +172% | +188% | -38% | +142% | 13.65 | 1.08 | 2.46 | 15.09 | 208.45 | 1.63 | 63.60% | 23.56% | 18.04% | 9.02% | 8.09% | 1.06% | 0.88 | 0.72 | 0.89 | 0.88 | 7.01 | 655.00% | 2548.00% | 767.00% | 6.98% | 0.01 | 7.42% | 2.46% | 33.60% | 3.25% | 16.88 | 23.16 | 3.98 | 0.07 |
| SSB | SouthState Corporation | $98.67 | 9.92B | -53% | +1,533% | -34% | +407% | 12.50 | 1.10 | 2.66 | 3.76 | 97.89 | 1.79 | 68.35% | 27.86% | 21.26% | 10.68% | 17.17% | 1.41% | 0.15 | 0.97 | 0.22 | 0.22 | 0.62 | 1277.00% | 5701.00% | -21383.00% | -5.43% | -0.01 | -11.58% | 2.32% | 29.00% | 4.68% | 4.20 | -8.12 | 1.17 | -0.18 |
| UMBF | UMB Financial Corporation | $115.88 | 8.8B | -15% | +12,140% | +6% | +489% | 12.72 | 1.16 | 2.01 | 11.11 | 816.59 | 1.66 | 54.41% | 20.25% | 15.81% | 12.59% | 216.32% | 1.14% | 0.49 | 0.60 | 0.01 | 0.01 | 2.69 | 156.00% | 6852.00% | -1165.00% | 1.99% | 0.00 | 53.19% | 0.00% | 0.00% | 0.00% | 13.09 | 66.30 | 2.65 | -0.80 |
| WBS | Webster Financial Corpora… | $72.13 | 11.63B | -51% | -9% | -37% | +22% | 11.41 | 1.21 | 2.59 | -2.06 | 32.38 | 1.82 | 60.80% | 28.49% | 22.67% | 10.77% | 34.14% | 1.23% | 0.45 | 0.83 | 0.41 | 0.41 | 3.13 | 3524.00% | 613.00% | -3839.00% | 7.37% | 0.02 | 28.70% | 2.33% | 26.60% | 7.52% | -2.06 | -3.07 | -0.59 | -0.18 |
| WTFC | Wintrust Financial Corpor… | $144.06 | 9.65B | -37% | +5% | -17% | +23% | 11.92 | 1.35 | 2.32 | 6.30 | 98.35 | 1.54 | 62.19% | 26.44% | 19.48% | 12.11% | 24.04% | 1.21% | 0.62 | 0.74 | 0.14 | 0.14 | 3.33 | 1212.00% | 666.00% | 3421.00% | 8.68% | 0.02 | 24.88% | 1.72% | 20.60% | 5.92% | 6.80 | 8.91 | 1.80 | -0.41 |
| ZION | Zions Bancorporation, Nat… | $57.28 | 8.46B | -30% | -15% | -22% | -23% | 9.51 | 1.19 | 1.73 | -4.36 | 44.43 | 1.40 | 67.05% | 23.77% | 18.18% | 13.51% | -19.67% | 1.01% | 0.64 | 0.75 | 6.04 | 6.04 | 3.02 | 2141.00% | -98.00% | -666.00% | 11.47% | 0.36 | -21.47% | 3.12% | 29.70% | 3.60% | -4.79 | -5.74 | -1.14 | 0.49 |
About Western Alliance Bancorporation
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 in Commercial, Consumer Related, and Corporate & Other 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; and treasury management and residential mortgage products and services. It also offers 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 provides other financial services, such as internet banking, wire transfers, electronic bill payment and presentment, lock box services, courier, and cash management services. Further, it 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 holds certain real estate loans and related securities. The company operates 36 branch locations, as well as loan production offices. Western Alliance Bancorporation was founded in 1994 and is headquartered in Phoenix, Arizona.
- CEO
- Kenneth A. Vecchione
- Employees
- 3.56K
- Beta
- 1.32
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($125.91 ÷ $80.80) − 1 = +55.83% (DCF, example).