ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Western Alliance Bancorp. ?
1
High Profitability with a Net Interest Margin of 22.75%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 14.36%
3
Positive results in Jun 25
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NII(Q) Highest at USD 697.6 MM
- CASH AND EQV(HY) Highest at USD 879 MM
4
With ROA of 0.70%, it has a fair valuation with a 1.21 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -8.47%, its profits have risen by 11% ; the PEG ratio of the company is 1
5
Below par performance in long term as well as near term
- Along with generating -8.47% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Western Alliance Bancorp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Western Alliance Bancorp. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Western Alliance Bancorp.
-7.78%
1.07
43.70%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
29.57%
EBIT Growth (5y)
13.32%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
21.02%
Pledged Shares
0
Institutional Holding
96.70%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.21
EV to EBIT
6.71
EV to EBITDA
5.88
EV to Capital Employed
1.33
EV to Sales
1.27
PEG Ratio
1.04
Dividend Yield
1.97%
ROCE (Latest)
19.87%
ROE (Latest)
11.69%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 697.6 MM
CASH AND EQV(HY)
Highest at USD 879 MM
OPERATING PROFIT(Q)
Highest at USD 277 MM
OPERATING PROFIT MARGIN(Q)
Highest at 24 %
PRE-TAX PROFIT(Q)
Highest at USD 291.3 MM
NET PROFIT(Q)
Highest at USD 230.4 MM
EPS(Q)
Highest at USD 2.07
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -1,965.6 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 78.67%
Here's what is working for Western Alliance Bancorp.
NII
Highest at USD 697.6 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Profit
Highest at USD 277 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 24 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 291.3 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 230.4 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 2.07
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 879 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Western Alliance Bancorp.
Operating Cash Flow
Lowest at USD -1,965.6 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 78.67%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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