Western Alliance Bancorporation Stock | Forecast, Price Target & Outlook 2026

Western Alliance Ban...

NYSE:WAL

$ 87,59

+ $0,10 (0,11%)

87,59 $

+$0,10 (0,11%)

End-of-day quote: 12/12/2025

Western Alliance Bancorporation Stock Value

Analysts currently give NYSE:WAL a rating of Buy.

Buy

Western Alliance Bancorporation Company Info

EPS Growth 5Y

7,56%

Market Cap

$9,52 B

Long-Term Debt

$3,32 B

Short Interest

2,98%

Annual earnings

01/29/2026

Dividend

$1,52

Dividend Yield

1,74%

Founded

1994

Industry

Financials

Country

United States

ISIN Number

US9576381092

Website

http://www.westernalliancebancorporation.com

Analyst Price Target

$100,00

14.17%

Last Update: 12/13/2025

Analysts: 16

Highest Price Target $112,00

Average Price Target $100,00

Lowest Price Target $85,00

In the last five quarters, Western Alliance Bancorporation’s Price Target has risen from $51,89 to $69,15 - a 33,26% increase. Twelve analysts predict that Western Alliance Bancorporation’s share price will increase in the coming year, reaching $100,00. This would represent an increase of 14,17%.

Top growth stocks in the financials sector (5Y.)

What does Western Alliance Bancorporation do?

Western Alliance Bancorporation operates as a bank holding company for Western Alliance Bank (WAB) that provides a full spectrum of customized loan, deposit and treasury management capabilities including funds transfer and other digital payment offerings. WAB, operates the following together with its banking divisions: Alliance Bank of Arizona (ABA), Bank of Nevada (BON), Bridge Bank (Bridge), First Independent Bank (FIB), and Torrey Pines Bank (TPB). The company also provides an array of spec...

WAB, operates the following together with its banking divisions: Alliance Bank of Arizona (ABA), Bank of Nevada (BON), Bridge Bank (Bridge), First Independent Bank (FIB), and Torrey Pines Bank (TPB).

The company also provides an array of specialized financial services to business customers across the country, including mortgage banking services through AmeriHome, treasury management services to the homeowner's association sector, and digital payment services for the class action legal industry. In addition, the company has the following non-bank subsidiaries: CSI, a captive insurance company formed and licensed under the laws of the state of Arizona and established as part of the company's overall enterprise risk management strategy and WATC, which provides corporate trust services and levered loan administration solutions.

WAL also has eight unconsolidated subsidiaries used as business trusts in connection with issuance of trust-preferred securities.

Bank Subsidiary

WAB has the following wholly owned operating subsidiaries:

WABT holds certain investment securities, municipal and non-profit loans, and leases.

WA PWI holds interests in certain limited partnerships invested primarily in low income housing tax credits and small business investment corporations.

BW Real Estate, Inc. operates as a real estate investment trust and holds certain of WAB's real estate loans and related securities.

Helios Prime, Inc. holds interests in certain limited partnerships invested in renewable energy projects.

Western Finance company purchases and originates equipment finance leases and provides mortgage banking services through its wholly owned subsidiary, AmeriHome.

Digital Settlement Technologies LLC (DST) provides digital payments services for the class action legal industry.

Market Segments

The company's reportable segments are aggregated with a focus on products and services offered, and consist of three reportable segments:

Commercial segment: This segment provides commercial banking and treasury management products and services to small and middle-market businesses, specialized banking services to sophisticated commercial institutions and investors within niche industries, as well as financial services to the real estate industry.

Consumer Related segment: This segment offers commercial banking services to enterprises in consumer-related sectors, as well as consumer banking services, such as residential mortgage banking.

Corporate & Other: This segment consists of the company's investment portfolio, Corporate borrowings and other related items.

Lending Activities

Through WAB and its banking divisions and operating subsidiaries, the company provides a variety of lending products to customers, including the loan types discussed below.

Commercial and Industrial: Commercial and industrial loans comprise 43% of the company's HFI loan portfolio as of December 31, 2024, respectively. These loans include working capital lines of credit, loans to technology companies, inventory and accounts receivable lines, mortgage warehouse lines, and other commercial loans. Equipment loans and leases, as well as loans to tax-exempt municipalities and not-for-profit organizations, are also categorized as commercial and industrial loans.

Residential: Residential loans comprise 27% of the company's loan portfolio as of December 31, 2024, respectively. The company executes flow and bulk residential loan purchases that meet the company's goals and underwriting criteria through its residential mortgage acquisition program. These loan purchases consist of both conforming and non-conforming loans. Non-conforming loan purchases are generally limited to borrowers with high FICO scores, and loans with low loan-to-value ratios.

CRE: Loans to fund the purchase or refinancing of CRE for investors (non-owner occupied) or owner occupants represent 22% of the company's loan portfolio as of December 31, 2024, respectively. These CRE loans are secured by multi-family residential properties, professional offices, industrial facilities, retail centers, hotels, and other commercial properties. Approximately 4.4% of total loans HFI consisted of CRE non-owner occupied office loans as of December 31, 2024. These office loans primarily consist of shorter-term bridge loans that enable borrowers to reposition or redevelop projects with more modern standards attractive to in-office employers in today's environment, including enhanced on-site amenities. The vast majority of these projects are located in suburban locations, with central business district and midtown exposure.

Substantially all of the company's remaining CRE loans are secured by first liens with an initial loan-to-value ratio of generally not more than 75%. As of December 31, 2024, 16% of the company's CRE loans were owner occupied. Owner occupied CRE loans are loans secured by owner occupied non-farm nonresidential properties for which the primary source of repayment (more than 50%) is the cash flow from the ongoing operations and activities conducted by the borrower who owns the property. Non-owner occupied CRE loans are CRE loans for which the primary source of repayment is rental income generated from the collateral property.

Construction and Land Development: Construction and land development loans comprise 8% of the company's loan portfolio as of December 31, 2024, respectively. This portfolio includes single family and multi-family residential projects, industrial/warehouse properties, office buildings, retail centers, medical office facilities, and residential lot developments. These loans are primarily originated to experienced local and national developers with whom the company has a satisfactory lending history.

Consumer: Limited types of consumer loans are offered to meet customer demand, and to respond to community needs. Examples of these consumer loans include home equity loans and lines of credit, home improvement loans, personal lines of credit, and loans to individuals for investment purposes.

Investment securities

As of December 31, 2024, the company's investment securities were Residential MBS issued by GSEs; U.S. Treasury securities; tax-exempt; Private label residential MBS; CLO; commercial MBS issued by GSEs; corporate debt securities; and other.

Deposit Products

The company offers a variety of deposit products, including demand deposits, checking accounts, savings accounts, money market accounts, and other types of deposit accounts, including fixed-rate, fixed maturity certificates of deposit.

In addition to the company's deposit base, it has access to other sources of funding, including FHLB and FRB advances, Federal funds purchased, repurchase agreements, and secured and unsecured lines of credit with other financial institutions.

Other Financial Products and Services

In addition to traditional commercial banking activities, the company offers other financial services to its customers, including internet banking, wire transfers, electronic bill payment and presentment, funds transfer, and other digital payment offerings, lock box services, courier, and cash management services.

Geographic Concentrations

The company's CRE business is concentrated primarily in the company's core footprint states: Arizona, California, and Nevada.

Supervision and Regulation

As a registered bank holding company, WAL is subject to inspection, examination, and supervision by the FRB, and is regulated under the BHCA. WAL is also under the jurisdiction of the SEC and is subject to the disclosure and other regulatory requirements of the Securities Act of 1933, as amended, and the Exchange Act, as administered by the SEC.

The company is a financial institution holding company within the meaning of Arizona law. WAL provides a full spectrum of deposit, lending, treasury management, and online banking products and services through WAB, its wholly-owned banking subsidiary. WAB is an Arizona chartered bank and a member of the Federal Reserve System. WAB operates the following full-service banking divisions: ABA, BON, Bridge, FIB, and TPB.

WAB is subject to the supervision of, and to regular examination by, the Arizona Department of Financial Institutions, the FRB as its primary federal regulator, and the FDIC as its deposit insurer.

WAB's deposits are insured by the FDIC up to the applicable deposit insurance limits in accordance with FDIC laws and regulations. The company also serves business customers through a national platform of specialized financial services.

WAL and WAB are also supervised by the CFPB for compliance with federal consumer financial protection laws. The company’s non-depository subsidiaries are subject to federal and state laws and regulations, including regulations of the FRB and with respect to WATC, the Office of the Comptroller of the Currency (OCC).

AmeriHome is a residential mortgage producer and servicer that operates in a heavily regulated industry. In addition to supervision by the federal banking agencies with primary jurisdiction over WAL and WAB, AmeriHome is subject to the rules, regulations and oversight of certain federal, state and local governmental authorities, including the CFPB, HUD, and GNMA, and government-sponsored enterprises in the mortgage industry, such as Federal Home Loan Mortgage Corporation (FHLMC) and Federal National Mortgage Association (FNMA).

Further, AmeriHome must comply with a large number of federal consumer protection laws and regulations, including, among others:

The Real Estate Settlement Procedures Act and Regulation X, which require lenders, mortgage brokers, or servicers to provide borrowers with pertinent and timely disclosures regarding the nature and costs of the settlement process and prohibit specific practices related thereto;

the Truth In Lending Act and Regulation Z, which require disclosures and timely information on the nature and costs of the residential mortgages and the real estate settlement process;

the Secure and Fair Enforcement for Mortgage Licensing Act, which applies to businesses and individuals engaging in the residential mortgage loan business;

the Dodd-Frank Act, the Fair Debt Collection Practices Act, the Federal Trade Commission Act, and the rules and regulations of the FTC and CFPB that prohibit unfair, abusive or deceptive acts or practices;

the Fair Credit Reporting Act (as amended by the Fair and Accurate Credit Transactions Act) and Regulation V, which address the accuracy, fairness, and privacy of information in the files of consumer reporting agencies; and

the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Homeowners Protection Act, and the Home Mortgage Disclosure Act and Regulation C, which generally disallow discrimination on a prohibited basis, provide applicants and borrowers rights with respect to credit decisioning and the residential mortgage process, and require disclosures and impose obligations on financial businesses conducting residential lending and mortgage servicing.

WATC is an OCC-chartered, non-depository national trust bank. Western Alliance Trust Company, N.A. (WATC) offers levered loan facility administration, loan administration, and securities custody products. As a national trust bank, the ability of WATC to engage in fiduciary activities is governed by federal law at 12 U.S.C. § 92a and the OCC regulations at 12 C.F.R. Part 9, as well as certain state laws to the extent not preempted by federal law and regulation.

The OCC has primary supervisory and regulatory authority over the operations of WATC. As part of this authority, WATC is required to file periodic reports with the OCC and is subject to supervision and periodic examination by the OCC. To support its supervisory function, the OCC has the authority to assess and charge fees on all national banks, including non-depository national trust banks like WATC.

WAL is a bank holding company as defined under the BHCA.

The Bank Holding Company Act of 1956, (BHCA) the Bank Merger Act, and other federal and state statutes regulate the direct and indirect acquisition of depository institutions.

Section 165 of the Dodd-Frank Act imposes enhanced prudential standards on larger banking organizations, with certain of these standards applicable to banking organizations over $10 billion, including the company and WAB.

Section 619 of the Dodd-Frank Act, commonly known as the Volcker Rule, restricts the ability of banking entities, such as WAL and WAB, from: engaging in ‘proprietary trading’ and investing in or sponsoring certain covered funds, subject to certain limited exceptions.

The company is subject to a number of federal and state laws designed to protect borrowers and promote lending to various sectors of the economy and population. These laws include the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Procedures Act, the Truth in Lending Act, the Home Mortgage Disclosure Act, the Real Estate Settlement Practices Act, various state law counterparts, and the Consumer Financial Protection Act of 2010, which is part of the Dodd-Frank Act.

Substantially all of the deposits of WAB are insured up to applicable limits by the FDIC’s DIF. The basic limit on FDIC deposit insurance is $250,000 per depositor. WAB is subject to deposit insurance assessments to maintain the DIF.

The company is subject to federal laws, including the Gramm-Leach-Bliley Act (GLBA), and certain state laws containing consumer privacy protection provisions.

History

Western Alliance Bancorporation was founded in 1994. The company was incorporated in 2014.

Western Alliance Bancorporation Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Financial services: approx. 70% Real estate financing: approx. 20% Corporate financing: approx. 10% TOP 3 markets: California: 35% Arizona: 25% Nevada: 20% Western Alliance Bancorporation generates the majority of its revenue from financial services, particularly through lending and deposit mana...

At which locations are the company’s products manufactured?

Production of Products: Not applicable Western Alliance Bancorporation is a bank holding company that offers financial services. It does not produce physical products, but provides services such as loans, deposit products, and other banking services. The company's activities focus on the financial s...

What strategy does Western Alliance Bancorporation pursue for future growth?

Strategy for Future Growth: Diversification of the Loan Portfolio Expansion of Digital Services Geographical Expansion into New Markets Western Alliance Bancorporation is pursuing a strategy focused on diversification and innovation. The company plans to further diversify its loan portfolio to min...

Which raw materials are imported and from which countries?

Western Alliance Bancorporation is a financial institution and not a production or trading company that imports raw materials or materials. Therefore, it does not import raw materials or materials from other countries. Financial institutions like Western Alliance Bancorporation focus on services suc...

How strong is the company’s competitive advantage?

Return on Equity (ROE): 16.5% (2024) Net Interest Margin: 3.8% (2024) Efficiency Ratio: 45% (2024) Western Alliance Bancorporation has a significant competitive advantage reflected in several financial metrics. The return on equity of 16.5% indicates that the company efficiently utilizes capital to...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: approx. 80% (estimated for 2025 based on historical data) Insider Purchases/Sales: No specific data available for 2025 The institutional investor share at Western Alliance Bancorporation traditionally stands at around 80%, indicating the trust of large institutional inv...

What percentage market share does Western Alliance Bancorporation have?

Market share of Western Alliance Bancorporation: Estimated 2-3% (2025) Top competitors and their market shares: JPMorgan Chase & Co. - 15% Bank of America - 13% Wells Fargo - 10% Citigroup - 8% U.S. Bancorp - 5% Truist Financial - 4% PNC Financial Services - 4% Capital One - 3%...

Is Western Alliance Bancorporation stock currently a good investment?

Total assets: $65 billion (2024) Return on equity: 14% (2024) Net interest income: $2.1 billion (2024) Western Alliance Bancorporation has demonstrated solid financial performance in recent years. The total assets of $65 billion in 2024 indicate a stable growth strategy supported by strong lending a...

Does Western Alliance Bancorporation pay a dividend – and how reliable is the payout?

Dividend Yield: 2.5% (estimated for 2025) Dividend History: Stable payouts over the last 5 years Western Alliance Bancorporation has been paying a consistent dividend in recent years. The dividend yield is currently around 2.5%, which is in the mid-range compared to other banks. The reliability of t...

Western Alliance Bancorporation Stock Value

Western Alliance Bancorporation Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Western Alliance Bancorporation do?

Western Alliance Bancorporation Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal